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Beginning plan year 2025, Georgia transitioned to a State-based Exchange (SBE); however, agents can still quote, enroll, and manage clients in Georgia using HealthSherpa.
To enroll clients in Georgia, make sure you:
Hold an active Georgia health insurance license
Complete Georgia Access certification
Activate your Georgia Access Agent Portal account
How to complete Georgia Access certification
Agents are required to complete Georgia Access certification and pass the exam to be eligible to enroll consumers in Georgia. Plan year 2026 training will be available starting July 31, 2025.
You will need to sign in to your Georgia Access Certification Platform account or create an account before starting training.
You can check your Georgia Access certification status on the Georgia Access Agent Listings page.
You can learn more about the types of training, how much time to set aside for training, and more, on the Georgia Access Agents page.
Certification requirements vary by state. Georgia Access certification only applies for applications written for the State of Georgia. If you wish to sell ACA plans for additional states, you’ll need to complete the marketplace certification required by the respective state(s). Learn more here.
Once you have completed your Georgia Access Certification, you will receive an email from Georgia Access that includes instructions to activate your Georgia Access Agent Portal account. Please complete this activation to ensure that your AOR is properly applied to applications you submit for Georgia clients.
Webinar: HealthSherpa & Georgia Access
This recording is from our webinar on October 9th 2024 and covers what agents could expect on HealthSherpa for plan year 2025, a live demonstration of our platform, and live Q&A discussion.
HealthSherpa & Georgia Access training deck
Frequently asked questions
What consumer authorization is required for Georgia?
To enhance consumer security and protect application integrity, agents enrolling ACA clients in Georgia will need to take an additional step to access or submit applications.
Starting July 21, 2025, you will need to request and obtain a one-time authorization from consumers in Georgia before interacting with their application unless the consumer is already in your book. How it works:
When required, HealthSherpa will send a one-time passcode (OTP) to the consumer via SMS, voice call, or email. The contact info used is what’s listed on the consumer’s application.
The consumer shares that code with you
You enter the code into HealthSherpa
On success, you’ll be redirected to the next step in the application
This step is required at Search & Claim for Georgia Access applications
This step is not required for:
New applications
Your existing clients in your dashboard
If your consumer does not have access to their listed phone or email, you’ll need to go through the Georgia Access Partner Support at 888-312-4237..
What if I am getting an EDE access error?
If you see an error like “User unauthorized to access EDE for Georgia Access,” please:
Confirm your NPN is on the Georgia Access Agent Certification List.
If it is not on that list, verify that:
You typed your NPN properly into the Georgia Access LMS when you completed training.
Your licensure in SIRCON is valid
You have completed Georgia Access Training
Your Georgia Access Agent Portal account is active. You can find information about your Agent Portal registration here.
If everything looks accurate and you are still experiencing issues, contact Georgia Access Partner Support at 888-312-4237 or edesupport@georgiaaccess.ga.gov. You may also check back the next day to rule out a timing issue.
When did Georgia Access become available as an SBE?
Georgia launched Georgia Access as a full SBE on November 1, 2024 for plan year 2025 applications and beyond.
Window Shopping for plan year 2025 for Georgia Access began on October 28th, 2024. At that time, agents started seeing plans for the upcoming plan year on HealthSherpa when they shopped.
Can I use HealthSherpa to enroll clients in Georgia?
Yes. Agents are able to enroll clients in Georgia using HealthSherpa for Agents as they have in previous plan years.
You may use the same HealthSherpa for Agents account for both Marketplace enrollments and Georgia Access enrollments.
Your clients in Georgia will appear alongside clients in other Marketplace states.
If you only sell in Georgia, you will not need to integrate your FFM account, but you will need to use multi-factor authentication.
HealthSherpa is an EDE vendor working with Georgia Access to provide direct access to Exchange shopping and enrollment.
Will I need to use a separate platform to enroll Georgia clients?
No. Agents are able to enroll clients in Georgia using HealthSherpa for Agents just as they have in previous plan years.
Will my Georgia book of business live inside HealthSherpa for Agents?
Yes, your book of business will remain as it is currently. If you used HealthSherpa to service your Georgia clients in past plan years, those clients will continue to appear in your HealthSherpa account.
Will my existing book of business on the FFM be transferred to the Georgia Access SBE?
Georgia Access attempted to migrate agents’ clients from the FFM to Georgia Access. If this migration was successful, you should also see your clients when you log in to your Georgia Access account.
For PY25, if you did not see your book of business in your Georgia Access account, the migration by Georgia Access may have failed. In these instances, you still saw your clients in HealthSherpa, but needed to actively renew them to remain the agent of record.
When is Window Shopping?
Georgia has not yet announced when Window Shopping will begin for plan year 2026. Georgia opened Window Shopping for plan year 2025 on Monday, October 28, 2024.
The State of Georgia releases PUFs for plans within the state on their own schedule outside of CMS. As they now run their own exchange, they approve those with carriers and disseminate to appropriate web brokers and EDE partners in the same way that CMS does.
Will subsidy levels in Georgia be different than FFM subsidy levels?
No. Because subsidy eligibility is set at the federal level. Georgia will utilize the same Federal Poverty Guidelines as the FFM. Learn more about the 2025 FPL chart here.
When should I contact CMS and when should I contact Georgia Access?
To keep it simple, anything related to PY24 plans should be directed to CMS, and anything related to PY25 and beyond, QHPs, and agent licensing should be directed to Georgia Access.
Will Georgia Access have DRD?
No, the Georgia Access agent portal is only accessible through EDE. This means DRD will not be supported by any EDE entity including HealthSherpa.
Will non-resident agents be able to write and renew clients in Georgia?
Georgia Access has not put restrictions on residency with their licensure and certification. If you are licensed with the State of Georgia and certified with Georgia Access, you will be able to write or renew for Georgia clients through HealthSherpa regardless of residency.
Are both FFM certification and GA certification required to write in GA?
If you wish to sell only in Georgia for PY2026, you need to complete Georgia Access certification for PY2026 and do not need to complete FFM certification for PY2026. Note: If you do not complete FFM certification for PY2026, CMS will revoke your access to PY2025 FFM applications once CMS processes role revocations for PY2025 (role revocations typically take place in late October).
If you wish to sell in other states for PY2026, certification required can vary by state and is often determined by the type of marketplace used in the the state:
View the marketplace types by state here.
If you wish to sell in states utilizing a “State-based marketplace using the federal platform” or the “Federally-facilitated marketplace” complete your annual FFM certification.
Select HealthSherpa’s FFM training during your MLMS training step
If you wish to sell in states utilizing a “State-based marketplace” complete the unique certification(s) required by the respective state(s).
Go here to locate the state(s) you wish to sell within. Note there is a link to each state’s respective exchange in bullet three.
Will NPN Override still be available for Georgia Access?
Yes. HealthSherpa’s NPN Override functionality will still be available in Georgia. Agents must continue to follow any state appointment and certification laws, including being appointed with the relevant carriers where required.
Can consumers disagree to share data with Georgia Medicaid?
According to Georgia Access, no, consumers must agree to share data with Georgia Medicaid as a part of their eligibility determination.
How is Georgia Access handling ICHRA?
ICHRA questions will continue to be included in Georgia applications.
Are there any differences for payment options for GA Access?
No. The Georgia Access transition does not have any impact here; Carriers with payment integration will continue to have that as their primary payment redirect connection.
What will the renewal process look like for Georgia Access?
The renewals process for Georgia will work in the same way it did when Georgia utilized the FFM. Learn more about the renewal flows available on HealthSherpa here.
Active renewals are encouraged to ensure NPN accuracy, provide consumers the opportunity to make any necessary updates to their plan, and ensure they have suitable coverage for the upcoming plan year.
Why is my NPN showing as a blank AOR on renewal applications?
This could be because your Georgia Access agent portal account has not yet been activated. Once you have completed your Georgia Access Certification, you will receive an email from Georgia Access that includes instructions to activate your Georgia Access Agent Portal account. Please complete this activation to ensure that your AOR is properly applied to applications you submit for Georgia clients. If you encounter any issues with activation, contact the Georgia Access Contact Center at 888-312-4237.
How do I enable EDE if I'm only certified with Georgia and am not FFM certified?
If you are not FFM certified, but are certified to sell within one of the supported ACA state-based marketplace (e.g. Georgia), you will need to reach out to Agent Support. Agent Support will be able to manually complete identity verification so that you may proceed.
Additional resources
Agents should direct questions about enrollment, application, and policy issues to Georgia Access at Agents@GeorgiaAccess.ga.gov. More information about Georgia Access can be found on the Georgia Access website.
Visit https://oci.georgia.gov/agents-agency-licensing for information on Georgia licensing requirements and the application process.
Visit https://www.sircon.com/georgia to apply for a license, check the status of a license or application, and update contact information.