· Under Georgia law, small employers can be charged more, within limits, based on the health status and claims of the group. Even within these limits, premiums can be significantly higher if someone in your group has a serious health condition. In addition, your group plans can increase based on other factors, such as the age, gender, geographic area, industry type and size of your group. However, insurers cannot charge higher premiums based on the genetic information of those in your group.

For large groups with more than 50 eligible employees, Georgia does not limit premium variation or increases, except that large groups also cannot be charged more based on genetic information.

If you have questions about your group health plan premiums, contact the Office of the Insurance Commissioner