Buying insurance calls in Georgia

Georgia is a one-party consent state working from a single Eastern-time clock, and it now runs its own ACA exchange rather than relying on the federal platform, a change worth knowing if you sell ACA leads there.

Health coverage through Georgia Access

Georgia now runs its own state-based ACA marketplace, Georgia Access, rather than using HealthCare.gov. Multiple carriers participate statewide, though the number of plan choices varies widely by county, with metro Atlanta counties seeing far more carrier competition than rural south Georgia. Agents handling ACA calls from Georgia consumers should point them to Georgia Access directly, since its enrollment calendar and plan listings run separately from the federal marketplace.

The calling clock in Georgia

All of Georgia is in the Eastern time zone and observes daylight saving time, with no internal split. The federal called-party-local-time window runs 8:00 a.m. to 9:00 p.m. Eastern. A desk on Central time should plan for that window opening and closing an hour earlier than its own clock, and a Pacific desk should expect it to close at 6:00 p.m. its own time.

Recording calls with Georgia consumers

Georgia is a one-party consent state for audio recordings of phone calls and in-person conversations that originate in a private place. A participant in the call can consent on their own behalf, which means a Georgia buyer's agent does not need to notify the other party before recording. If a call also reaches someone in a stricter all-party consent state, the safer approach is to follow that state's rule for that leg of the call.

This page is general information, not legal advice. Confirm recording consent, telemarketing timing and licensing requirements with your own counsel and with the Georgia Office of Commissioner of Insurance and Safety Fire.

Licensing and the Georgia insurance regulator

Insurance in Georgia is regulated by the Georgia Office of Commissioner of Insurance and Safety Fire, commonly reached through the Office of Insurance and Safety Fire Commissioner at oci.georgia.gov. Georgia's insurance commissioner is an elected statewide position. The office licenses resident and non-resident producers alongside its role in fire safety regulation. Any agent taking Callmart calls into Georgia needs the license their product requires.

Buying calls into Georgia's Atlanta, Columbus and Savannah markets

• Atlanta metro counties tend to have the deepest carrier competition for ACA plans on Georgia Access.
• Columbus, Augusta and Savannah are major population centers outside metro Atlanta.
• Screened inbound calls start at $25 per call; CTV calls start at $50 per call.
• Business approval is required before buying, but an account carries no spending commitment.

Team structure for an Atlanta-based agency

An Atlanta agency working Georgia Access leads alongside national campaigns benefits from splitting the finance and reporting roles from the agents actually on the phone, so a manager can watch team call activity without every agent seeing wallet balances. Per-member daily spending allowances and the per-campaign on and off toggle give an owner control over how aggressively a Columbus or Savannah sub-team can buy relative to the core Atlanta desk.

Recorded calls are available for buyers to review, useful for confirming an agent correctly pointed a Georgia Access question to the state exchange rather than HealthCare.gov, and any call that did not match its campaign can be submitted as a dispute.

Athens-Clarke County, Sandy Springs and Roswell round out the metro Atlanta area's largest communities, and buyers targeting the region generally do not need a separate setup for each city; the same statewide Georgia campaign covers all of them.

Common questions