Moving from Florida to Georgia? The 60-day window to enroll, what changes at the state line and the 2027 price in each state, before and after the tax credit.
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Licensed Independent Agent · NPN #22052447 · 23 States
Short answer: about 52,400 people moved from Florida to Georgia in 2024, by the Census Bureau’s estimate. A Florida plan stops being an option once Georgia is home: you pick a Georgia plan on Georgia Access within 60 days of the move, then end the Florida plan through HealthCare.gov. The benchmark Silver for a 40-year-old is $733 a month in Georgia, against $738 in Florida.
In 2024 Georgia drew more people from Florida than any other state did: about 52,371 of the 506,246 people who left Florida for another state, 10% of them, by the Census Bureau’s estimate. The next most common destinations were Texas, North Carolina and New York.
Florida’s own 2027 marketplace has 11 insurers, with PPO plans in 67 of 67 counties. Florida’s 2027 benchmark Silver for a 40-year-old is $738, above the U.S. average of $704.
Below the 2027 line, $63,840 for one person, the benchmark Silver plan costs the same share of income in every state: the credit grows or shrinks to cover the price difference. At $80,000, over the line, there is no credit, and the full Florida or Georgia price applies.
| Income, one person, age 40 | Benchmark in Florida | Benchmark in Georgia |
|---|---|---|
| $35,000 | $219 | $219 |
| $50,000 | $426 | $426 |
| $80,000 | $738 | $733 |
A month, after the 2027 premium tax credit, for the benchmark plan. Cheaper plans cost less than this after the credit, because the credit is a fixed dollar amount.
It covers emergencies anywhere, and it is the coverage that qualifies you: at least one day in the 60 days before the move. Use the time to price Georgia for the ZIP you are moving to.
Sixty days, counted from the move. Georgia Access may open it up to 60 days early; ask before the move.
On Georgia Access, by the last day of the month, and it starts on the 1st.
Through HealthCare.gov.
Age 40 in Georgia, before health questions. The private plan covers less than an ACA plan and asks about your health; the marketplace price is before any tax credit.
Moving from Florida to Georgia?
Send the Georgia ZIP you are moving to. A licensed agent prices the plans there and gives you the dates. Free, no obligation.
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all 23 states for movers · moving to Georgia · the move planner, set to Florida and Georgia.
The insurance company pays the agent, never you, and the premium is the same either way.
One licensed agent, NPN #22052447, who sells marketplace and private plans, so you hear about both.
Your ZIP code is the only thing needed to see what is available where you live.
For emergencies, yes: every ACA plan covers emergency care in any state at in-network cost-sharing. For routine care it depends on the network, and once Georgia is home the Florida plan has to be replaced within 60 days of the move.
In most cases 60 days from the move date, if you had coverage for at least one day in the 60 days before. A plan picked by the last day of a month starts on the 1st of the next.
At full price, yes: the 2027 benchmark Silver for a 40-year-old is $733 a month in Georgia and $738 in Florida (KFF). Below the tax-credit line, the benchmark costs the same share of income in both.
No. Enroll in Georgia first and end the Florida plan through HealthCare.gov once the new one starts, so there is no gap.
General information, not a quote or an offer of coverage. Private plans are medically underwritten: they ask health questions, can decline or exclude a condition, are not ACA coverage and get no tax credit. Daniel Griffin, licensed independent agent, NPN #22052447, is not tied to any single carrier and not affiliated with the U.S. government.
Send the Georgia ZIP you are moving to. A licensed agent lines up the Georgia plans, checks your doctors and gives you the dates for your move. It costs nothing, and you deal with a licensed agent, not a call center.
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Enter the Georgia ZIP code you are moving to. A licensed agent prices the Georgia plans for that address and the private plans that can start any month.
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“I run my own business and my time is valuable. Daniel handled everything — compared the private options, explained what I was actually getting, and had me covered fast. Way better experience than trying to navigate it myself.”