PeachCare for Kids provides affordable health insurance for Georgia children under 19 whose families earn too much for Medicaid but can’t afford private insurance.
In 2026, families earning up to 247% of the Federal Poverty Level (up to $81,510 annually for a family of 4) qualify for comprehensive medical, dental, and vision coverage with premiums as low as $0-$35 per month.
Quick facts about PeachCare for Kids 2026:
- Income limit: Up to 247% FPL ($81,510 yearly for family of 4)
- Cost: Free for children under 6; $10-$35/month for ages 6-18
- Coverage: Medical, dental, vision, prescriptions, mental health services
- Application: Apply online at Georgia Gateway in under 30 minutes
- Approval time: Up to 45 days from complete application submission
- Key requirement: Child must be Georgia resident, under 19, and currently uninsured
What Is PeachCare for Kids in Georgia?
PeachCare for Kids is Georgia’s children’s health insurance program. It helps low-to-middle-income families get health coverage for their children.
This program serves families who earn too much for Medicaid but can’t afford private insurance.
PeachCare is Georgia’s version of the federal SCHIP program. It provides comprehensive medical, dental, and vision care for eligible children.
Is PeachCare for Kids Medicaid or something different?
No, PeachCare for Kids is not Medicaid. They are two separate programs with different rules.
Key differences:
- Medicaid: For families with the lowest incomes
- PeachCare for Kids: For families earning up to 247% of the Federal Poverty Level
Both programs offer similar health benefits. However, PeachCare requires monthly premiums for some children. Medicaid typically does not charge premiums.
Who runs PeachCare for Kids in Georgia?
The Georgia Department of Community Health (DCH) manages the program.
For day-to-day operations, Georgia uses private Care Management Organizations (CMOs). In 2026, families choose from these providers:
- Amerigroup
- CareSource
- Peach State Health Plan
These CMOs handle doctor networks and medical claims.
What ages are covered under PeachCare for Kids?
PeachCare covers children from birth through age 18.
When a child turns 19, they lose eligibility. They must then switch to adult coverage options like Georgia Access or Georgia Pathways to Coverage.
Who Is Eligible for PeachCare for Kids in 2026?
PeachCare serves uninsured Georgia children under age 19. Eligibility depends on household income and citizenship status. Your child may qualify even if they don’t qualify for Medicaid.
Basic eligibility requirements for 2026
All children must meet these four requirements:
- Age: Under 19 years old
- Residency: Live in Georgia
- Citizenship: U.S. citizen or eligible immigrant (refugee, asylee, or lawful permanent resident)
- Uninsured: No other health insurance coverage
Parents’ citizenship status does not affect their child’s eligibility.
Income eligibility and Federal Poverty Level (FPL) limits
Income must be at or below 247% of the Federal Poverty Level.
Income is calculated using your Modified Adjusted Gross Income (MAGI). The FPL updates each February, but the 247% limit stays the same.
Cost sharing in 2026:
- Premiums and co-pays resumed in late 2024
- Costs are on a sliding scale
- Family costs capped at 5% of yearly income
What happens if my child no longer qualifies for Medicaid in 2026?
Your child transitions automatically to PeachCare for Kids.
If income rises above Medicaid’s limit (usually 149% FPL) but stays under 247% FPL, Georgia Gateway switches coverage automatically. No new application needed.
Is my child eligible if I’m enrolled in Georgia Pathways to Coverage?
Yes, your child can still qualify for PeachCare or Medicaid.
Georgia Pathways only covers adults ages 19–64 with income up to 100% FPL. If you qualify for Pathways, your income is likely low enough for your child to get Medicaid instead.
Can state employees apply for PeachCare for Kids in 2026?
Usually no if you have access to state insurance.
Children eligible for the State Health Benefit Plan (SHBP) generally cannot get PeachCare. This applies even if you don’t enroll in SHBP.
Does the 3-month insurance waiting period still apply in 2026?
Yes, in most cases.
Children must be uninsured for two months before applying. Exceptions exist for involuntary coverage loss.
Source: Georgia Department of Community Health
PeachCare for Kids 2026 Income Limits (By Family Size)
Income limits are based on the Federal Poverty Level (FPL). Your Modified Adjusted Gross Income (MAGI) must be at or below 247% FPL.
What percentage of the Federal Poverty Level is used for PeachCare?
PeachCare uses 247% of the Federal Poverty Level.
Georgia applies a 5% income disregard. This raises the real limit to roughly 252% FPL. Always apply if your income is close to the limit.
2026 PeachCare income limits by household size
The table shows 2026 guidelines released January 15, 2026:
| Family Size | 100% FPL | Annual Limit (247%) | Monthly Limit |
|---|---|---|---|
| 2 | $21,640 | $53,450 | $4,454 |
| 3 | $27,320 | $67,480 | $5,623 |
| 4 | $33,000 | $81,510 | $6,792 |
| 5 | $38,680 | $95,539 | $7,961 |
| 6 | $44,360 | $109,569 | $9,130 |
How Modified Adjusted Gross Income (MAGI) is calculated
MAGI is similar to your tax return income.
Household size includes the tax filer and all dependents. Larger families get higher income limits.
What income counts — and what doesn’t?
Counts toward income:
- Wages, salary, and tips
- Self-employment income (after expenses)
- Unemployment benefits
Does NOT count:
- SSI benefits
- Child support
- Veterans’ benefits
What if my income changes during the year?
Report changes within 30 days.
Log into Georgia Gateway or call 1-877-423-4746. Lower income may qualify you for Medicaid. Higher income adjusts premiums at renewal.
Source: U.S. Department of Health and Human Services
How Much Does PeachCare for Kids Cost in 2026?
Most families pay little or nothing for PeachCare. Children under 6 get free coverage. Older children may have small monthly premiums based on income.
Monthly premiums for children under age 6
Free coverage for all children under 6.
No premiums. No co-pays. This applies regardless of family income.
Monthly premiums for children age 6 and older
Premiums range from $10 to $35 per month.
The exact cost depends on your income and household size. Premiums resumed October 1, 2024.
Maximum premium caps for families with multiple children
You never pay for more than two children.
Premium structure:
| Child’s Age | 1 Child | Family Max (2+ Children) |
|---|---|---|
| Under 6 | Free | Free |
| 6 to 18 | $10–$35/month | $15–$70/month |
Who qualifies for $0 premiums in 2026?
Three groups get completely free coverage:
- All children under age 6
- Foster children and children in state custody
- American Indian/Alaska Native children (federally recognized tribes)
PeachCare for Kids co-pays explained
Co-pays apply only to children age 6 and older. Fees are small—typically $0.50 to $12.50.
Services and costs:
- Doctor visits: Small co-pay for sick visits
- Specialist care: Small co-pay applies
- Prescriptions: Small co-pay (generics cost less)
- Emergency services: Free for true emergencies
- Preventive care: Free (checkups, vaccines, screenings)
- Dental and vision: Free for routine exams and cleanings
Cost protection: Total yearly costs (premiums + co-pays) cannot exceed 5% of household income.
Source: Georgia Department of Community Health – PeachCare Costs
What Does PeachCare for Kids Cover in 2026?
PeachCare provides comprehensive health coverage for children. Benefits meet or exceed most private insurance plans. Coverage includes medical, dental, vision, and mental health services.
Medical care and hospital services
Full medical coverage includes:
- Doctor visits: Sick visits, specialist care, chronic condition management
- Hospitalization: Inpatient stays, surgeries, emergency room visits
- Maternity care: Prenatal and postpartum care for enrolled teens
Preventive care and well-child checkups
The Health Check program covers all preventive services at no cost.
Free preventive services:
- Annual well-child visits
- All required immunizations
- Hearing and vision screenings
- Lead toxicity testing
These services help meet school enrollment requirements.
Dental coverage for children
Dental benefits exceed many private plans.
Covered services:
- Two cleanings and exams per year
- X-rays, fillings, and extractions
- Braces for ages 10–20 (when medically necessary, not cosmetic)
Vision exams and eyeglasses
Eye care is fully covered.
- Routine vision exams
- Prescription eyeglasses (frames and lenses)
- Replacements allowed (typically one pair per year)
Mental health services and counseling
Comprehensive behavioral health coverage includes:
- Individual and family therapy
- Counseling and assessments
- Substance abuse treatment
Services are coordinated through your Care Management Organization.
Prescription medications
Generic and brand-name drugs are covered.
Children age 6+ may have small co-pays ($0.50–$2.00) based on drug tier.
Vaccines, school physicals, and back-to-school requirements
All school-required services are free:
- Immunizations for school and daycare
- Annual physicals
- Required health screenings
Source: Georgia Department of Community Health – Benefits
PeachCare for Kids Health Plans & Doctors (2026)
You must choose a Care Management Organization (CMO) for your child. All three plans offer the same medical benefits. They differ only in extra perks.
What is a Care Management Organization (CMO)?
A CMO administers your child’s health benefits.
They manage your doctor network and process claims. All CMOs provide identical core coverage required by Georgia.
Amerigroup vs CareSource vs Peach State Health Plan
The three 2026 health plans:
- Wellpoint (formerly Amerigroup): Offers free school supplies and tutoring
- CareSource: Non-profit plan with fitness center partnerships and healthy rewards
- Peach State Health Plan: Provides free Boys & Girls Club memberships
Value-added benefits comparison:
| Benefit | Wellpoint | CareSource | Peach State |
|---|---|---|---|
| Youth programs | Boys & Girls Club | Girl/Boy Scouts | Boys & Girls Club |
| Rewards | Gift cards | Up to $90 | Quarterly raffles |
| Education | School supplies | Job support | GED scholarships |
| Health extras | Dental kits | Gym memberships | $20 OTC allowance |
Which PeachCare plans are available in my county?
Georgia has six managed care regions.
Peach State and Wellpoint are available statewide. CareSource serves most counties but not all.
Check your county at the Georgia Families website.
Six regions:
- Region 1: North (Dalton, Rome)
- Region 2: Atlanta metro
- Region 3: Central (Macon)
- Region 4: East (Augusta)
- Region 5: Southeast (Savannah)
- Region 6: Southwest (Albany, Columbus)
How to choose or change your child’s primary care doctor
Choosing your plan and doctor:
You have 30 days after approval to choose. If you don’t choose, the state assigns one.
Switching plans:
You can switch during your first 90 days. After that, you’re locked in for one year.
Changing doctors:
You can change your doctor anytime. No waiting period needed. Contact your plan directly.
Keep your address updated in Georgia Gateway to avoid losing coverage.
Source: Georgia Families – Health Plans
How to Apply for PeachCare for Kids in 2026
Applying is straightforward and free. Georgia Gateway is the fastest method. One application covers both Medicaid and PeachCare.
Applying online through Georgia Gateway
Fastest option: Apply online at gateway.ga.gov
Three simple steps:
- Create account: Set up User ID and password
- Start application: Select “Apply for Benefits” then choose “Medical Assistance”
- Upload documents: Take photos of required papers and upload directly
You can track your application status 24/7 online.
Applying by phone, mail, or in person
Three other ways to apply:
- Phone: Call DFCS at 1-877-423-4746 or PeachCare at 1-877-427-3224
- Mail: Download form from DCH website and mail to: RSM Group, P.O. Box 786, Alma, GA 31510
- In person: Visit your local DFCS office or Right from the Start office
Wait times vary for phone applications.
Can I apply through Georgia Access in 2026?
No. Use Georgia Gateway for PeachCare applications.
Georgia Access is only for private marketplace plans. If your income is too high for PeachCare, you may be referred to Georgia Access.
Documents needed to apply for PeachCare
Gather these before applying:
- Child’s identity: Birth certificate, passport, or green card
- Income proof: Last 4 weeks of pay stubs, W-2, or tax returns (self-employed)
- Social Security numbers: For child and applying parent
- Current insurance info: Policy numbers if applicable
Missing documents is the top reason for delays.
Parents’ citizenship is not required.
Source: Georgia Gateway
PeachCare for Kids Renewal & Redetermination in 2026
PeachCare renewal happens once every 12 months on your child’s coverage anniversary. It’s not tied to open enrollment periods.
How annual PeachCare renewal works
Georgia tries to renew your coverage automatically using tax and labor data.
Renewal timeline:
- 45 days before deadline: Notice sent. State tries automatic renewal (“Ex Parte”)
- 15 days before: Final reminder if you haven’t responded
- Deadline day: Coverage ends if info not received
- 90 days after: Reinstatement period with retroactive coverage if eligible
If automatic renewal fails, you receive a renewal packet.
How to renew PeachCare using Georgia Gateway
Four steps to renew online:
- Log in at gateway.ga.gov
- Check status: Look for “Renew Benefits” button (appears in yellow banner)
- Verify income: Upload pay stubs if requested
- Submit: Decision mailed within 30 days
Online renewal is the fastest method.
2026 income verification deadlines
You have 14 days to upload documents after a specific request.
Required income proof:
- Last 4 weeks of pay stubs
- Employer letter
Missing this 14-day deadline can end coverage.
How to check your renewal or redetermination window
Find your renewal date on your Georgia Gateway dashboard.
Look under “My Benefits” section. Your renewal month matches your original application anniversary.
Important: Open enrollment (Nov 1–Jan 15) is only for private plans. PeachCare renewal is year-round based on your individual anniversary.
Source: Georgia Department of Community Health – Renewals
PeachCare for Kids vs Other Georgia Health Coverage Options (2026)
You cannot choose between Medicaid and PeachCare. Your income determines which program you get. You can choose between PeachCare and employer insurance.
PeachCare for Kids vs Medicaid
Both programs use the same health plans and cover the same services. The main differences are cost and income limits.
Key differences:
| Feature | Medicaid | PeachCare |
|---|---|---|
| Monthly cost | Free | $10–$35 (free under 6) |
| Co-pays | None | Yes (age 6+ only) |
| Transportation | Non-emergency rides included | Not covered |
| Income limit | Lower (up to 149% FPL) | Higher (up to 247% FPL) |
Medicaid serves lower-income families. PeachCare serves working families with moderate income.
PeachCare vs employer-sponsored insurance
PeachCare is almost always more affordable than job-based insurance.
Cost advantages:
- No deductible (coverage starts immediately)
- Maximum 5% of income yearly cap
- Lower monthly premiums
Important rules:
- Waiting period: If you drop employer coverage voluntarily, your child must be uninsured for two months
- State employees: Children eligible for State Health Benefit Plan cannot get PeachCare
Exceptions apply for involuntary job loss.
When Georgia Access marketplace plans may be a better option
Use Georgia Access only if your income exceeds 247% FPL.
Important facts:
- If your child qualifies for PeachCare, they cannot get Georgia Access subsidies
- Mixed families work well: parents on Georgia Access, children on PeachCare
- Only apply to Georgia Access after formal PeachCare denial
This strategy saves the most money for many families.
Source: Georgia Access
Frequently Asked Questions About PeachCare for Kids (2026)
Is PeachCare for Kids free in Georgia?
Are newborns automatically eligible for PeachCare?
Can my child have PeachCare if they had insurance before?
Is there still a waiting period after dropping employer insurance?
Can undocumented parents apply for PeachCare for eligible children?
Does PeachCare affect immigration status or public charge?
Can my child see a doctor while PeachCare eligibility is pending?
Are foster children automatically eligible?
Are American Indian or Alaska Native children exempt from premiums?
How long does PeachCare approval take in 2026?
Key Takeaways for Georgia Parents Applying for PeachCare in 2026
PeachCare bridges the gap between Medicaid and private insurance. It offers comprehensive, affordable coverage for working families. Success depends on understanding income limits and staying current with renewals.
Who benefits most from PeachCare for Kids
Three groups get the most value:
- “Gap” families: Households earning between 138% and 247% FPL (family of 4 earning $40,000–$80,000)
- Self-employed parents: Families with fluctuating income and no employer insurance
- Children with chronic needs: The 5% income cap makes frequent therapy or medication affordable
These families save thousands compared to private insurance.
Common mistakes families should avoid
Three critical errors to prevent:
- Missing first premium payment: Unlike Medicaid, coverage doesn’t start until you pay. Pay immediately upon approval.
- Ignoring renewal mail: You have only 14 days to respond when the state requests information. Missing this ends coverage.
- Using wrong portal: Apply and renew only at Georgia Gateway, not Georgia Access (unless formally denied PeachCare).
Where to get official help and updates
Save these official contacts:
- PeachCare hotline: 1-877-427-3224 (program questions)
- Georgia Gateway/DFCS: 1-877-423-4746 (application support)
- Payment website: peachcaremypayments.bill2pay.com
- Mailing address: PeachCare for Kids, P.O. Box 786, Alma, GA 31510
- Online portal: gateway.ga.gov
For the most current information, always check the official Georgia Department of Community Health website.
