ATLANTA, Ga. (Atlanta News First) — Besides hosting the nation’s most intensely watched midterm elections, a host of new Georgia laws will also go into effect next year, many on Jan. 1, 2026.

Here are some of the most notable :

MONEY, INSURANCE AND WARRANTIES

Georgia’s flat state income tax will again decrease as part of an effort to lower it to 4.99% by January 2027.

Who it impacts:

Individual taxpayers

Employers, payroll/reporting agents

Every Georgia taxpayer is now allowed to create one catastrophe savings account .

Who it impacts:

Individual taxpayers who want to save for disaster-related losses

Financial institutions and insurers

The Georgia Health Insurance Affordability and Consumer Protection Act requires the state insurance commissioner to create an “in

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