Legislators and private health insurance carriers alike are working to better this trend, but there are still Georgia insurance regulations to contend with, including the following:
- Although guaranteed renewability is in effect, access to individual health insurance can be denied due to health status.
- Pre-existing condition exclusions can extend up to two years before a policy is put into effect.
- Health insurance premiums can be raised at the time of renewal due to health status, age or medical condition.
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Families of limited income will find health insurance opportunities through Georgia's Division of Public Health. Medicaid offers coverage to residents living under the poverty limit, while PeachCare for Kids, the state's S-CHIP offering, provides children of such families with comprehensive medical care.
For those whose income puts them entirely out of reach of state aid, there are still many health insurance options, including the following:
- Medical discount plans: These are private insurance plans that offer consumers up to 40% off medical costs. Premiums for this plan start at $19.95/month for each person.
- Association medical plans: For CPAs, teachers, community group members and the like, an association plan will offer group insurance coverage at a lower cost than individual insurance.
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