Ambetter provides the cheapest overall health insurance in Georgia, with an average monthly premium of $493. Availability may vary, so check out Aetna, CareSource Georgia Co., Oscar Health Plan of Georgia and Cigna for affordable health plans.
Cheapest Health Insurance in Georgia: Affordable Plans for 2025
Updated: October 22, 2025
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Key Takeaways
Ambetter provides Georgia's most affordable health insurance with a MoneyGeek score of 99 out of 100.
Aetna, CareSource, Alliant and Oscar provide solid alternatives when Ambetter isn't available.
To find the cheapest health insurance for you, decide on a coverage level within your budget, check subsidy eligibility and compare plans from several companies.
Most Affordable Health Insurance Companies in Georgia
| Ambetter | $493 | $5,921 | $7,804 |
| Oscar | $496 | $5,949 | $8,930 |
| Aetna | $526 | $6,314 | $8,819 |
| Alliant | $535 | $6,425 | $9,200 |
| CareSource | $559 | $6,705 | $9,217 |
| Cigna | $592 | $7,104 | $9,280 |
| Anthem (BCBS) | $596 | $7,147 | $9,260 |
| Kaiser Permanente | $614 | $7,369 | $8,959 |
| UnitedHealthcare | $672 | $8,062 | $9,333 |
*These plans reflect rates for 40-year-olds who are not considered low-income.
Cheapest Health Insurance Provider in Georgia: Ambetter
Ambetter
MoneyGeek Score:
99/ 100
Overview
Ambetter serves 149 counties across Georgia for 2025, giving you the state's widest geographic access to affordable coverage. You'll pay $493 monthly for Silver HMO plans at age 40, and the top scores for MOOP and affordability mean you'll face lower total costs than competitors. Virtual care connects you with licensed providers 24/7 for common issues like respiratory infections and skin conditions. The Walgreens partnership cuts 20% off health products. At the same time, My Health Pays rewards you for healthy behaviors. Beginning January 2025, the Premier Network continues with your trusted doctors and hospitals.
Cheapest Georgia Health Insurance Plans by Profile
While we've summarized the cheapest companies for most in Georgia, the cheapest plan for you will differ widely depending on your desired coverage tier and age. Below are the cheapest companies by category for most in the area:
| Children (0-14) | Ambetter | $295 | $3,544 | $7,804 |
| Teens (18) | Ambetter | $353 | $4,230 | $7,804 |
| Young Adults (26) | Ambetter | $395 | $4,744 | $7,804 |
| Adults (40) | Ambetter | $493 | $5,921 | $7,804 |
| People with Depression (40) | Oscar | $496 | $5,949 | $8,930 |
| People with Low Back Pain (40) | Aetna | $526 | $6,314 | $8,819 |
| Cheapest PPO (40) | Alliant | $543 | $6,511 | $9,200 |
| People needing Pain Management (40) | CareSource | $559 | $6,705 | $9,217 |
| People with High BP & High Cholesterol (40) | Cigna | $592 | $7,104 | $9,280 |
| Seniors (60) | Ambetter | $1,048 | $12,574 | $7,804 |
Cheapest Health Insurance Plans by City in Georgia
While Ambetter is the cheapest provider overall, Anthem (BCBS), Alliant, Cigna and Kaiser Permanente lead in affordability and availability for silver plans in most cities, offering a great balance of cost and coverage. Below, you can review which company and plan are most affordable in Atlanta and Augusta, two of the largest cities in Georgia.
Data filtered by:
Atlanta
Adults
| Cigna | $648 | $7,776 |
How to Find the Cheapest Health Insurance in Georgia
Follow these steps to find affordable health insurance in Georgia:
- 1Determine what coverage plan you need and can afford
Depending on your personal health circumstances and income, the type of coverage plan and tier you need will differ widely. To decide how much health insurance you should get, calculate how much income you can put aside for monthly premiums, consider your health and determine your risk for injury or disease based on your location, age and habits.
- 2Find out your subsidy eligibility
For individuals with incomes between $15,650 and $62,600, premium tax credits can offer 40% to 100% cost reductions. Additionally, those earning below 250% of the Federal Poverty Level ($39,125) can qualify for cost-sharing reductions, lowering out-of-pocket expenses by up to 73%.
- 3Consider federal programs if old enough
If you are old enough, you should also consider Medicare/Medicaid programs, Medicare Advantage plans and Medicare Supplement plans in the state. These plans are often cheaper than traditional options and allow more flexibility with coverage choices.
- 4Review prescription formularies
Review prescription coverages for medications you regularly take. Some insurers place common medications on lower tiers with reduced copays compared to competitors, potentially saving you hundreds annually.
- 5Compare plans during Open Enrollment
Open Enrollment lasts from November 1 to January 15, but you may also qualify for Special Enrollment if you've lost your job, have gotten divorced or have had a child. Make sure to consider types of coverage, customer ratings, costs and availability with medical providers.
MONEYGEEK TIP: MAKE SURE TO APPLY PROMPTLY
Apply for coverage at least five days before the deadline to avoid technical issues. Have your income documentation, Social Security numbers and immigration documents ready when applying to ensure a smooth enrollment process.
Most Affordable Health Insurance in Georgia: Bottom Line
Ambetter , CareSource Georgia Co., Aetna, Oscar Health Plan of Georgia and Cigna are the most affordable health insurance companies in Georgia. While we recommend these affordable options, you should compare as many plan types and tier quotes as possible from multiple companies to get the best deal.
Cheap Georgia Health Insurance: FAQ
Below are frequently asked questions about finding affordable health insurance in Georgia:
What is the cheapest health insurance in Georgia?
Ambetter offers the cheapest health insurance in Georgia, with silver plans starting at $493 for 40-year-olds. However, Aetna, CareSource Georgia Co., Oscar Health Plan of Georgia or Cigna could suit your needs based on income and preferences.
What are the downsides of a cheap health insurance plan?
Cheap health insurance plans often mean higher out-of-pocket costs during health care visits due to lower upfront premiums. Premium plans provide greater coverage and drastically reduce out-of-pocket maximums.
Do I qualify for subsidies on health insurance in Georgia?
People earning between $15,650 and $62,600 annually qualify for premium tax credits, which can reduce costs by 40% to 100%. Additionally, those earning below 250% of the Federal Poverty Level ($39,125) can qualify for cost-sharing reductions, which can lower out-of-pocket expenses by up to 73%.
When can I enroll in health insurance in Georgia?
Open Enrollment lasts from November 1 to January 15, but you may also qualify for Special Enrollment if you've lost your job, divorced or had a child.
How We Decided the Cheapest Health Insurance Companies in Georgia
MoneyGeek obtained data directly from the Centers for Medicare and Medicaid Services (CMS) on available health insurance plans in Georgia based on consumers aged 18, 26, 40, 50 and 60.
We considered the cheapest overall to be those with the lowest monthly premium costs for 40-year-olds, as most in the state are near this age demographic, and for simplicity. However, cheaper plans tend to have higher out-of-pocket maximums and deductibles, meaning you may pay more if you receive care.
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About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.