Individual health insurance marketplace
Open enrollment for the Individual Health Insurance Marketplace is the chance for you and your family to get a new health insurance plan. Before you enroll, it’s important to compare plans and consider if your Atrium Health Floyd and Harbin Clinic doctors are covered in your plan.
Prepare for the changes coming this year
Open enrollment for the Health Insurance Marketplace runs Nov. 1, to Jan. 15, 2026. To ensure you have coverage starting Jan. 1, 2026, you will need to enroll no later than Dec. 15, 2025. We’re here to help make sure you’re prepared for the changes coming this year.
Here are a few things to have completed before enrollment begins to help make the process easier:
- Gather your papers. Pay stubs and tax returns make it easier to confirm eligibility and keep any tax credits.
- Double-check your eligibility by Dec. 15, 2025, for Jan. 1, 2026 coverage. Even if your premium is currently $0, you’ll still need to confirm so nothing changes on you unexpectedly.
- Keep in mind that premiums might go up if tax credits (subsidies) aren’t renewed. Additionally, consider all alternative coverage options so your plan balances out-of-pocket care costs with monthly premiums.
- Look over your 2026 plan choices. Pick one that works for you and make sure it includes your Atrium Health Floyd and Harbin Clinic doctors.
Key dates
Open enrollment begins:
November 1
Open enrollment ends:
January 15
Coverage begins:
January 1
if enrolled by December 15
February 1
if enrolled by January 15
Application checklist
Use this list to gather information you’ll need and find steps you may need to take to enroll in a health care insurance plan.
Get the checklist (PDF)
Review options
Review your insurance options, find out if you’re eligible for tax credits to help pay for your coverage and then enroll in an insurance plan.
Enrollment assistance
Call Atrium Health at 336-713-9360 to get more information about how to enroll or to schedule an appointment with one of our Enrollment Assisters.
Which plans include Atrium Health Floyd and Harbin Clinic in their networks?
For 2026, the following plans sold on the Individual Health Insurance Marketplace include Atrium Health Floyd doctors and hospitals in their networks:
Atrium Health Floyd (northwest Georgia area):*
- Alliant SoloCare plans
- Ambetter Insurance plans
- Anthem Pathway plans (Atrium Health Floyd Polk Medical Center only)
- CareSource
- Oscar Health
Atrium Health Floyd (northeast Alabama area):*
- Alliant SoloCare plans
- Ambetter insurance plans
Harbin Clinic:
- Alliant plans
- Anthem Pathway plans
- Oscar Health
*Not all plans are available in every county within the area. Please check with the individual plan to confirm benefits and in-network providers.
Introducing Oscar Health
What is health care coverage through the marketplace (also called the Individual Insurance Marketplace)?
The Marketplace is part of the Affordable Care Act and offers health insurance for people who don’t have coverage through an employer, Medicare or Medicaid. It’s an online resource where you can shop for, compare and enroll in or update a health insurance plan. You can also see if you’re eligible for savings.
What if I need emergency care?
If you have a medical emergency, you should go to the closest emergency department. Our hospitals provide services to all patients seeking treatment for an emergency medical condition, regardless of their health insurance plan or ability to pay for emergency services.
Why choose a plan that includes Atrium Health Floyd and Harbin Clinic?
If you already have an Atrium Health Floyd and Harbin Clinic doctor or hospital you prefer, you may want to pick a health insurance plan that includes them. This lets you continue seeing the same providers while better managing your health care costs. In addition to your doctor and hospital, you get a seamless connection to Atrium Health Floyd and Harbin Clinic's care options. A few highlights include:
- Primary care from the region’s largest network of providers, including family medicine and internal medicine
- Exceptional specialty care, including a certified chest pain center for heart care
- The region’s largest network of behavioral health and substance use services
- Convenient on-demand care options such as urgent care and video visits
- Peace of mind that when you get care from Atrium Health Floyd and Harbin Clinic, you can more easily keep your out-of-pocket costs down
How to enroll or change plans
For more information or to change your plan:
- Visit Healthcare.gov
- Talk with your health insurance agent
Note: This website does not solicit or otherwise advertise insurance but is intended for your educational purposes only. Atrium Health Floyd and Harbin Clinic is not a licensed health insurance agency. Atriumhealthfloydharbin.org is a non-government website operated by Atrium Health Floyd and Harbin Clinic.
Frequently asked questions about the individual marketplace
Open enrollment is a federally mandated time when you can enroll in or make changes to a health plan.
Changes are often made to plans available on the health insurance marketplace. These changes may affect which providers, hospitals and other health services are included in a plan’s network, as well as the costs you will be responsible for paying.
A network is a group of doctors and hospitals that participates in a health insurance plan. Usually, your out-of-pocket costs are lower if you seek care from doctors and hospitals that belong to your health insurance plan’s network.
Most health insurance plans have networks of doctors, hospitals, pharmacies and other health care providers. Depending on the type of health coverage you choose, your care may only be covered if you go to an in-network provider. If staying with your current doctors is important to you, be sure to check if they’re included before deciding.
Health insurance helps you pay for your care. It’s impossible to predict what your medical bills will be each year. Having coverage gives you the peace of mind that you are protected from very high medical expenses.
Studies show that people with health insurance are much more likely than those without it to use preventive health services and necessary prescription drugs. They are also less likely to incur medical debts.
Out-of-pocket costs are your total expenses for medical care that are not paid by your health insurance plan.
Whether you’re applying for the first time or already have an individual health insurance plan that you need to update, you can visit Healthcare.gov for a full listing of plans by state and a checklist of documents you need.
You can also call our Enrollment Assisters at 336-713-9360, or talk with your local health insurance agent.