Best Cheap Health Insurance in Georgia for 2027
Kaiser Permanente sells the best health insurance in Georgia because its plans have excellent coverage and the company has great customer service. Silver plans from Kaiser start at $759 per month before discounts.
Find Cheap Health Insurance Quotes in Georgia
Best and cheapest health insurance in Georgia
- Want the best company? Kaiser Permanente, $759/mo
- Need the cheapest rates? Ambetter, $558/mo
- Want a cheap Bronze plan? Alliant, $452/mo
Cheapest health insurance companies in Georgia
Ambetter has the cheapest individual health insurance in Georgia, with Silver plans starting at $558 per month before discounts.
- Ambetter has the cheapest Silver plan in Georgia for about half the population. It's the cheapest option in many big cities, including Columbus, Augusta and Macon.
- Kaiser Permanente has the cheapest rates for about 4 in 10 Georgia residents, including those in the Atlanta area.
- If you need even cheaper rates, choose a lower level of coverage, such as a Bronze plan. Alliant sells the cheapest Bronze plans in Georgia, with rates starting at $452 per month.
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Affordable health insurance in Georgia
Company |
Cost
| |
|---|---|---|
| Ambetter | $558-$960 | |
| Antidote | $576-$1,021 | |
| Alliant | $620-$1,100 | |
| Anthem | $696-$1,247 | |
| CareSource | $706-$992 | |
| Kaiser Permanente | $759-$900 | |
| Oscar | $778-$1,047 | |
Monthly rates are a range of the cheapest to most expensive Silver plans available from each company. Plan options depend on where you live. Rates are for a 40-year-old and represent the price for a plan before discounts.
Data-powered research on Georgia health insurance
Cheapest Bronze plans in Georgia: Alliant
Alliant sells the cheapest Bronze plans in Georgia, with rates as low as $452 per month.
Bronze plans cost less than Silver plans but require you to pay for more of your doctor bills. However, Bronze plans are relatively popular. About 4 in 10 people who get a plan on Georgia Access, the state's health insurance marketplace, choose a Bronze plan. And because rates are going up, more people may choose Bronze plans to help keep their costs down.
If you do decide to get a Bronze plan, make sure you have enough savings to cover at least your deductible. If you can, try to have enough to cover your out-of-pocket maximum, in case anything major happens. That way, the amount you still have to pay toward your medical bills won't cause you too much financial stress.
Best health insurance companies in Georgia
Kaiser Permanente is the best health insurance company in Georgia because it has excellent coverage and customer service. Its Silver plans start at $759 per month.
Kaiser has a perfect 5-out-of-5 star rating on Georgia Access, which means that people rate the plans highly for coverage, quality of the medical care and service. Kaiser owns and operates its own hospitals and medical centers, and works with affiliated hospitals, as well as its insurance plans, which means it can be easier to get appointments, have procedures done and get medical tests.
But the downside is that you won't have as much flexibility about your medical care. You only have coverage at Kaiser's medical centers or with its partner medical systems, like Emory and Piedmont, unless you have an emergency.
Best-rated health insurance companies in GA
Company |
ACA rating
|
VP rating
|
|---|---|---|
| Kaiser Permanente | 5.0/5
Star Fill
| 4.0/5
Star Fill
|
| Ambetter | 3.0/5
Star Fill
| 4.0/5
Star Fill
|
| Oscar | 2.0/5
Star Fill
| 4.0/5
Star Fill
|
| Anthem | 3.0/5
Star Fill
| 3.5/5
Star Fill
|
| Alliant | 2.3/5
Star Fill
| 3.5/5
Star Fill
|
| CareSource | 2.0/5
Star Fill
| 3.5/5
Star Fill
|
| Antidote | N/A | 3.0/5
Star Fill
|
ValuePenguin chose the best companies after reviewing ACA ratings from HealthCare.gov and state marketplaces. However, the best company for your specific situation depends on where you live, your budget and your medical needs. Comparing plans helps you find the best company for you.
Find Cheap Health Insurance Quotes in Georgia
If you want the flexibility to go to any doctor and still have some coverage, Alliant may be a good option. Alliant is the only company in Georgia that sells a type of plan, called a PPO plan, that lets you go outside the plan's network and still pay at least some of your medical bills. PPO plans can be a good option if you travel often or just want the option to choose your doctors.
How much do health insurance plans cost in Georgia?
Health insurance in Georgia costs an average of $814 per month for a Silver plan, but you could pay an estimated average of $89 per month if you can get discounts based on your income.
- Your age is a big factor that influences your health insurance quotes.
- In Georgia, 40-year-olds pay 28% more than 21-year-olds for the same Silver policy.
- The largest rate increases come as you enter middle age. On average, a 60-year-old in Georgia pays more than twice as much as a 40-year-old for any level of coverage. That's because you're more likely to develop health issues and need more medical care as you get older.
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Health insurance discounts in Georgia for 2027
You could get a health insurance plan in Georgia for an average of $89 per month, if you get discounts because of your income, called "subsidies."
- Who can get subsidies? You need to make between $15,960 and $63,840 in a year as a single person ($33,000 and $132,000 for a family of four). The less you make, the higher your subsidy. However, if you can get Medicaid coverage, you can't get subsidies.
- How do subsidies work? You can use your subsidy for any Bronze, Silver, Gold or Platinum plan that you get through Georgia Access. You can choose to have your subsidy applied directly to your monthly rate, or you can pay full price for coverage and get your subsidy as a lump sum when you file your taxes.
- How much do you save? Use ValuePenguin's subsidy calculator to find out how much you'll pay for health insurance after discounts.
Cheap Georgia health insurance plans by city
Kaiser Permanente has the cheapest rates for people in Atlanta, with Silver plans starting at $759 per month.
Health insurance plans and quotes change depending where you live. Ambetter has the cheapest rates for about half of people in Georgia. Even though Kaiser Permanente is only available in 13% of Georgia's counties, it's the cheapest option for about 4 in 10 Georgians.
- In Atlanta, Kaiser Permanente has the most affordable health insurance, with Silver plans costing as little as $759 per month. Kaiser is also the cheapest option in Sandy Springs and Roswell.
- In Columbus, Augusta and Macon, Ambetter has the cheapest rates. Silver plans from Ambetter start at $700 per month in Columbus, $763 per month in Augusta and $650 per month in Macon.
Cheapest health insurance company by GA county for 2027
County | Avg. rate | Cheapest co. | Cheapest rate |
|---|---|---|---|
| Appling | $850 | Ambetter | $745 |
| Atkinson | $723 | Ambetter | $590 |
| Bacon | $761 | Ambetter | $593 |
| Baker | $774 | Ambetter | $612 |
| Baldwin | $811 | Ambetter | $662 |
| Banks | $796 | Alliant | $717 |
| Barrow | $889 | Ambetter | $759 |
| Bartow | $939 | Anthem | $813 |
| Ben Hill | $711 | Ambetter | $558 |
| Berrien | $711 | Ambetter | $558 |
| Bibb | $793 | Ambetter | $650 |
| Bleckley | $797 | Ambetter | $650 |
| Brantley | $761 | Ambetter | $593 |
| Brooks | $676 | Ambetter | $558 |
| Bryan | $837 | Antidote | $735 |
| Bulloch | $810 | Antidote | $735 |
| Burke | $905 | Ambetter | $763 |
| Butts | $939 | Anthem | $813 |
| Calhoun | $777 | Ambetter | $612 |
| Camden | $696 | Ambetter | $593 |
| Candler | $850 | Ambetter | $745 |
| Carroll | $944 | Antidote | $861 |
| Catoosa | $749 | Alliant | $652 |
| Charlton | $696 | Ambetter | $593 |
| Chatham | $833 | Ambetter | $732 |
| Chattahoochee | $840 | Ambetter | $700 |
| Chattooga | $752 | Ambetter | $649 |
| Cherokee | $928 | Ambetter | $774 |
| Clarke | $864 | Ambetter | $759 |
| Clay | $777 | Ambetter | $612 |
| Clayton | $925 | Kaiser Permanente | $759 |
| Clinch | $711 | Ambetter | $558 |
| Cobb | $926 | Kaiser Permanente | $759 |
| Coffee | $723 | Ambetter | $590 |
| Colquitt | $676 | Ambetter | $558 |
| Columbia | $863 | Ambetter | $763 |
| Cook | $711 | Ambetter | $558 |
| Coweta | $913 | Ambetter | $786 |
| Crawford | $797 | Ambetter | $650 |
| Crisp | $820 | Ambetter | $612 |
| Dade | $754 | Ambetter | $673 |
| Dawson | $796 | Alliant | $717 |
| Decatur | $664 | Ambetter | $558 |
| DeKalb | $935 | Kaiser Permanente | $759 |
| Dodge | $787 | Ambetter | $650 |
| Dooly | $797 | Ambetter | $650 |
| Dougherty | $777 | Ambetter | $612 |
| Douglas | $932 | Ambetter | $774 |
| Early | $664 | Ambetter | $558 |
| Echols | $711 | Ambetter | $558 |
| Effingham | $810 | Antidote | $735 |
| Elbert | $863 | Ambetter | $759 |
Cheapest Silver plan with rates for a 40-year-old
Find Cheap Health Insurance Quotes in Georgia
Best health insurance plans by level of coverage
To find the best health insurance for you, think about your monthly budget and how much medical care you need.
Lower plan tiers, such as Catastrophic and Bronze, have cheaper monthly rates but higher costs when you visit the doctor or get a prescription filled. The higher plan tiers, Gold and Platinum, have the most expensive monthly rates but usually the lowest out-of-pocket costs when you go to pay for medical care. Silver plans sit in the middle, which is why they're a good option for most people.
Platinum plans: Best for people with ongoing medical issues
| Platinum plans pay for about 90% of your medical care. |
Platinum plans cost an average of $966 per month in Georgia.
Platinum plans have the highest average rates of all the plan tiers, but they also cover the highest share of medical costs. If you have a chronic, complex or expensive health issue that requires many doctor visits and tests, a Platinum plan can be a good idea. You'll pay more each month, but you'll likely save overall since the plan will pay a higher share of your bills.
Gold plans: Best for people with frequent medical needs
| Gold plans pay for about 80% of your medical care. |
Gold plans cost an average of $883 per month in Georgia.
Gold plans cost less than Platinum plans, but they still pay for a large portion of your medical bills. If you go to the doctor often, a Gold plan might be worth it. A Gold plan could also be a good idea if you're generally healthy but have an expensive treatment coming up, like a surgery.
Silver plans: Best for most people
| Silver plans pay for about 70% of your medical care. |
Silver plans cost an average of $814 per month in Georgia.
Silver plans strike a balance between affordable monthly quotes and modest out-of-pocket costs. They're a good choice for most people since they have moderate deductibles and out-of-pocket maximums if you become sick or get injured. But, the monthly costs shouldn't be too much of a burden for the average household. Silver plans are the most popular plan tier in Georgia. More than half of people who buy a plan on Georgia Access choose a Silver plan.
Bronze plans: Best for generally healthy people with emergency savings
| Bronze plans pay for about 60% of your medical care. |
Bronze plans cost an average of $665 per month in Georgia.
Bronze plans have affordable rates but require you to pay for more of your medical bills. They can be a good idea if you're mostly healthy and on a budget. But you should make sure you have savings in the bank. That way, if you get seriously sick or hurt, you can afford to pay your share of the medical bills.
Catastrophic plans: Best as a last resort
Catastrophic plans cost an average of $629 per month in Georgia.
Catastrophic plans have the lowest monthly rates for health insurance of any plan tier, but they also have the least amount of coverage. If you get sick or injured, you will have to pay a very high deductible of $12,000 before your policy pays out for more care. Catastrophic plans aren't the best idea for most people, unless they can't afford anything else.
You can only buy a Catastrophic plan if you're under the age of 30 or if you qualify for a hardship or affordability exemption. These are usually only given to people who would struggle to afford a higher plan tier.
Carefully consider the full cost of a Catastrophic plan before you buy. The high out-of-pocket costs mean they're rarely a good choice, especially if you qualify for a marketplace subsidy, which Catastrophic plans aren't eligible for.
Cheap or free health insurance plans in Georgia if you have a low income
If you have a low income and can't afford health insurance or health care, there are a few options that can make things more affordable.
Medicaid in Georgia
Medicaid is a government-sponsored health insurance program for people with low incomes. Georgia has not expanded Medicaid for residents under the Affordable Care Act (ACA). That means along with having a low income, you need to meet one of these requirements:
- You're pregnant
- You're 18 or younger
- You're 65 or older
- You're blind
- You have a qualifying disability
- You need nursing home care
- You have breast or cervical cancer
You may also qualify for Medicaid in Georgia if you have a foster or adopted child. Families leaving the Temporary Assistance for Needy Families (TANF) program may also qualify, along with low-income families that have children under the age of 19. You may also be eligible for Medicaid in Georgia even if you don't meet the income and asset requirements if you have high medical bills.
Georgia also runs its own free health insurance program, called Georgia Pathways to Coverage, for people between age 19 and 64 who otherwise can't get Medicaid. You have to make up to around $16,000 per year as a single person or $33,000 per year as a family of four and not be able to get any other type of Medicaid coverage. You also have to complete 80 hours of "qualifying activities" each month, such as a full- or part-time job, on-the-job training, caretaking or community service.
Medicaid eligibility in Georgia can be complex. The Georgia Medicaid website suggests that you apply even if you don't think you'll qualify based on the above criteria.
PeachCare for Kids
Children in Georgia can get free health care through a program called PeachCare for Kids if their parents earn a low income.
PeachCare for Kids is the name for Georgia's Children's Health Insurance Program (CHIP). CHIP and Medicaid are similar in that both programs offer free health insurance for children. But, you can get CHIP at a higher income level than you can for Medicaid.
PeachCare for Kids covers services beyond what a regular health policy might pay for, such as dental and vision coverage.
Use cost-sharing reductions for cheaper medical care
If you buy a Silver plan, you might be able to get discounts that lower what you have to pay for medical care. These are called cost-sharing reductions. The less you make each year, the less you could pay for health care.
To qualify, you have to make between $15,960 and $39,900 per year if you're single or between $33,000 and $82,500 per year as a family of four.
Are health insurance rates going up in GA in 2027?
The average cost of health insurance went up by 15% in Georgia between 2026 and 2027, across all plan tiers.
Platinum plans had the highest increase, at 19% more for 2027 than in 2026. Silver plans, the most popular plan tier in the state, cost 12% more this year compared to last. The average cost of a Silver health plan in Georgia increased 107% over the last five years.
Plan tier |
1-year change
|
5-year change
|
|---|---|---|
| Catastrophic | 17% | 146% |
| Bronze | 14% | N/A |
| Silver | 12% | 107% |
| Gold | 14% | 115% |
| Platinum | 19% | 91% |
Monthly rates are the average of each plan tier for a 40-year-old. Your rates will depend on where you live in the state and what company you choose. The 5-year rate change for Bronze plans is not available because of a change in the data.
Why is health insurance expensive in Georgia in 2027?
Health insurance rates are going up in Georgia in 2027 mostly because of rising health care costs, including increased costs for prescriptions.
When health care costs go up, health insurance companies have to pay more when you go to the doctor or fill a prescription. To account for that, companies charge everyone higher rates.
The rising cost of prescription drugs is one of the main factors pushing up the cost of health insurance. In particular, GLP-1 drugs such as Ozempic and Wegovy are causing health insurance rates to increase because these drugs are both expensive and popular.
How to prepare for higher rates in 2027
- Compare quotes from several companies on Georgia Access to get the best quotes. Each company charges its own rates, and rates vary even within a company. Comparing plans helps you find one that's right for your budget and medical needs.
- Consider getting a health savings account (HSA) if you choose a high-deductible health plan (HDHP), a Bronze plan or a Catastrophic plan. HSAs let you put away money in a special account that's just for medical costs, so you can save for your deductible, out-of-pocket maximum, copays and prescription costs.
- See if you can get Medicaid, which may be an option for Georgia residents who have a low income and meet another program requirement, such as being pregnant, a parent, age 65 or older or having a qualifying disability.
Essential health benefits every Georgia Access plan offers
In Georgia, if you don't have health insurance through your employer, you can buy Affordable Care Act plans, also called "Obamacare" plans, from the state's marketplace site, Georgia Access. No matter what plan tier you choose, you'll have coverage for at least 10 medical situations:
- Doctor visits
- Preventive and wellness care
- Emergency care
- Hospital stays
- Prescription medications
- Lab services
- Pregnancy, maternity and newborn care
- Pediatric care
- Mental health and substance use care
- Rehab services
Lower-tier plans pay for less of your medical care, while higher-tier plans pay for more of it, but you're covered for the same medical situations. So for example, if you need blood work done, you'll pay more out-of-pocket for lab services if you have a Bronze plan than if you had a Gold plan.
Short-term health insurance plans in Georgia
In Georgia, if you're facing a gap in your regular health insurance coverage, you can buy a short-term health insurance policy. You can get these plans at any time during the year, but they typically offer less coverage than marketplace plans.
Pros of short-term health insurance plans in Georgia
Cons of short-term health insurance plans in Georgia
Health insurance enrollment by income level in Georgia
About 6 in 10 people with a Georgia Access plan make less than $21,597 per year.
More than 8 in 10 Georgians with marketplace coverage make under about $31,300 per year. People who make less money are also going to be more financially burdened when rates go up, because they have less wiggle room in their budgets.
Income | % of total enrollment |
|---|---|
| Less than $15,650 | 6% |
| $15,650 to $21,597 | 56% |
| $21,598 to $23,475 | 9% |
| $23,476 to $31,300 | 13% |
| $31,301 to $39,125 | 5% |
| $39,126 to $46,950 | 3% |
| $46,951 to $62,600 | 4% |
| $62,601 to $78,250 | 1% |
| $78,251 or more | 1% |
| Other/Unknown | 3% |
Enrollment in 2026 marketplace plans made during the 2025-2026 Open Enrollment period. Total may not be 100% because of rounding.
Frequently asked questions
What's the best health insurance in Georgia?
Kaiser Permanente scores highest for customer satisfaction and plan quality in Georgia, according to ValuePenguin's insurance experts and the state's marketplace. Plus, Kaiser Permanente has the cheapest quotes for about 4 in 10 people in Georgia, including those in the Atlanta metro area.
How much is health insurance in Georgia per month?
In Georgia, a Silver health insurance plan costs $814 per month on average for a 40-year-old. It's important to remember that your age, where you live and the plan tier and company you choose will all influence your
How do I get health insurance in Georgia?
Shopping for coverage through the state health insurance marketplace, Georgia Access, is the best way to get health insurance in Georgia. Georgia Access lets you compare quotes from several companies at once. Plus, you can easily see what discounts you'll be eligible for based on your income.
Methodology
Georgia health insurance rate data for 2027 is from Georgia Access. ValuePenguin used the data to find average rates for different plan tiers, geographic locations and family sizes.
Rates
Rates are based on a 40-year-old with a Silver plan, unless otherwise noted. Rates for Bronze plans include regular and Expanded Bronze plans when the plans are available. The 5-year rate change for Bronze plans isn't available in all states due to a change in how rates are calculated. Your costs and plan options will vary; plans aren't always available in all parts of a state or county.
Subsidies
The cost of health insurance after subsidies is based on Centers for Medicare & Medicaid Services (CMS) data for enrollees who qualified for advance premium tax credits (APTCs) on HealthCare.gov or a state marketplace during the 2026 open enrollment period. Rates include all metal tiers. Information about state subsidies, when available, was sourced from state marketplaces.
Ratings
ValuePenguin's experts rank companies based on cost, coverage options, customer satisfaction and unique value. Ratings are out of 5 stars.
ACA ratings show how the company performs for medical care, member experience and plan administration. This 2027 plan quality data from CMS is based on member experience from 2026. Ratings are not available for new plans or plans with low enrollment.
More sources
Enrollment trends, including plan selections by tier and enrollment by income, are from CMS data for the 2026 open enrollment period.
Other sources include S&P Global Capital IQ, KFF and the National Association of Insurance Commissioners (NAIC).
About the Author
Senior Writer
Cate Deventer is a Senior Writer who specializes in health insurance, Medicare, auto and home insurance. She's been a licensed insurance agent since 2011.
She started her insurance career working as a customer service agent for State Farm. She later moved to an independent agency, where she worked with several insurance companies and hundreds of clients. She quoted policies, filed claims and answered insurance questions. In 2021, she pivoted her career and began writing about insurance for Bankrate. She moved to ValuePenguin in 2023 and began writing about health insurance and Medicare.
Cate has a passion for helping readers choose insurance to fit their needs. She enjoys knowing that her research and knowledge help people choose insurance products that make a positive difference in their lives.
How insurance helped Cate
Cate used her health insurance knowledge to navigate a surgery in 2023. Understanding how her policy worked let her focus on recovery instead of worrying about bills.
Expertise
- Health insurance
- Medicare & Medicaid
- Auto insurance
- Home insurance
- Life insurance
Credentials
- Licensed Life, Accident & Health Insurance Agent
- Licensed Property & Casualty Insurance Agent
Referenced by
- CBS
- NBC
- Wall Street Journal
Education
- BA, Theatre, Purdue University
- BA, English, Indiana University
Editorial note: The content of this article is based on the author's opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.
