Best Health Insurance in Georgia (2026)

Key Takeaways

Ambetter offers the best health insurance in Georgia, with balanced monthly premiums, deductibles and maximum out-of-pocket (MOOP) costs across its plan options.

Alliant offers the cheapest health insurance in Georgia, but its deductibles are higher than average.

Compare quotes from at least three Georgia providers to find coverage matching your needs and budget.

Best Health Insurance Companies in Georgia

Ambetter is the best health insurance company in Georgia. Other leading providers include Kaiser, Oscar, Alliant and Caresource.


Ambetter	$656	$8,476	$6,212	4.5	Clear Silver HMO $7000 $50 with $0 Insulin Options
Kaiser Foundation Health Plan of Georgia, Inc.	$706	$9,163	$4,750	4.4	KP GA Silver HMO $6000 $50
Oscar	$637	$9,506	$5,181	4.3	Silver Elite Saver Plus HMO $0 $70
Alliant Health Plans, Inc.	$622	$9,244	$5,853	4.3	SoloCare Vitruvian Plus Silver HMO $6500 40%
Caresource	$692	$9,600	$5,400	4.1	Healthy Heart Silver HMO 5000 $30 $0 Chronic Care Services
Anthem	$757	$9,946	$4,596	4.1	Anthem Silver Blue Value HMO 6000 $10 $0 Virtual PCP $0 Select Drugs
UnitedHealthcare	$1,030	$10,330	$3,160	4.0	UHC Copay Focus Silver HMO $0 $40
Cigna Healthcare	$937	$10,025	$4,600	3.8	Connect myDiabetesCare Silver HMO $2700 $15

*Our picks are the best health insurance options for 40-year-olds looking for Silver-tier HMO plans.

Ambetter

MoneyGeek Rating

4.5/ 5

4.9/5Affordability

2.7/5Deductible

5/5MOOP

Average Monthly Rate
$656
Average MOOP
$8,476
Average Deductible
$6,212

pros
- Ranks among top providers in Georgia for overall value
- Gold plans offer low $1,096 deductibles for better coverage
- Available across Bronze, Silver and Gold tiers
cons
- Limited to HMO network structures only
- High deductibles on Bronze and Silver plans exceed $6,000
Ambetter provides HMO coverage across all metal tiers in Georgia. A 40-year-old pays around $643 monthly for Bronze coverage, $656 for Silver and $699 for Gold plans. Bronze plans carry high deductibles of about $7,250 that match the out-of-pocket maximums. Gold plans offer lower $1,096 deductibles with $7,723 MOOP limits. Premiums rise with age; a 60-year-old pays considerably more across all tiers. Catastrophic plans are available for people under 30 or those with hardship exemptions.

Ambetter health insurance plans in Georgia:

Data filtered by:


Choice Bronze HSA HMO $7250 0% + Vision + Adult Dental	$643	HMO	Bronze	$7,250	$7,250	No
Choice Bronze HSA HMO $7250 0% + Vision + Adult Dental	$613	HMO	Bronze	$7,250	$7,250	Yes
Choice Bronze HSA HMO $7250 0%	$627	HMO	Bronze	$7,250	$7,250	Yes
Clear Bronze HMO $9000 0%	$565	HMO	Bronze	$9,000	$9,000	Yes
Clear Bronze HMO $9000 0% + Vision + Adult Dental	$577	HMO	Bronze	$9,000	$9,000	Yes
Standard Expanded Bronze HMO $7500 $50	$578	HMO	Bronze	$10,000	$7,500	Yes
Standard Expanded Bronze HMO $7500 $50 + Vision + Adult Dental	$591	HMO	Bronze	$10,000	$7,500	Yes
Everyday Bronze HMO $8450 $40	$576	HMO	Bronze	$10,150	$8,450	Yes
Everyday Bronze HMO $8450 $40 + Vision + Adult Dental	$588	HMO	Bronze	$10,150	$8,450	Yes

Kaiser Permanente

MoneyGeek Rating

4.3/ 5

4.8/5Affordability

3.5/5Deductible

3.9/5MOOP

Average Monthly Rate
$706
Average MOOP
$9162
Average Deductible
$4750

pros
- Ranks second overall among Georgia health insurance providers
- Gold plans feature $1,250 deductibles for manageable upfront costs
- Strong MOOP limit performance statewide
- Plan options available across Bronze, Silver, Gold and Catastrophic tiers
cons
- Limited to HMO network structure only
- Bronze plans carry high $6,500 deductibles
Kaiser offers HMO coverage across all metal tiers in Georgia. A 40-year-old pays around $571 monthly for Bronze coverage with a $6,500 deductible. Silver plans cost about $706 monthly with $4,750 deductibles, while Gold plans run $750 monthly with lower $1,250 deductibles and $9,000 out-of-pocket maximums. Premiums rise with age; 60-year-olds pay between $1,213 and $1,593 monthly depending on the metal tier. Catastrophic plans are available for people under 30 or those with hardship exemptions, starting at $429 monthly.

Georgia health insurance plans from Kaiser:

Data filtered by:


KP GA Bronze HMO $6500 40% HSA	$571	HMO	Bronze	$7,500	$6,500	Yes
KP GA Bronze HMO $5500 $60 Virtual Complete	$578	HMO	Bronze	$9,100	$5,500	Yes
KP GA Bronze HMO $7500 $50	$592	HMO	Bronze	$10,000	$7,500	Yes

Oscar

MoneyGeek Rating

4.3/ 5

5/5Affordability

3.1/5Deductible

3.3/5MOOP

Average Monthly Rate
$637
Average MOOP
$9,506
Average Deductible
$5,181

pros
- Ranks second in Georgia for affordability across metal tiers
- Gold plans feature $1,500 deductibles for reasonable cost-sharing
- Coverage options available across Bronze, Silver and Gold tiers
cons
- Offers HMO plans only, limiting network flexibility
- Bronze plans carry high $10,150 maximum out-of-pocket limits
Oscar offers HMO coverage across multiple metal tiers in Georgia. A 40-year-old pays about $497 monthly for Bronze coverage, $637 for Silver and $697 for Gold plans. Gold tier deductibles are just $1,500, with $8,350 out-of-pocket maximums. Premiums rise with age; a 60-year-old pays $1,114 for Bronze, $1,352 for Silver and $1,479 for Gold coverage. Catastrophic plans are available for people under 30 or those with hardship exemptions.

Oscar options in Georgia:

Data filtered by:


Bronze Elite Saver Plus HMO $0 $50	$546	HMO	Bronze	$10,600	$0	Yes
Bronze Classic 4700 HMO $4700 $70	$526	HMO	Bronze	$9,600	$4,700	Yes
Bronze Simple Diabetes HMO $5500 $50	$524	HMO	Bronze	$10,150	$5,500	Yes
Bronze Simple Breathe Easy with Enhanced COPD Benefits HMO $5500 $50	$524	HMO	Bronze	$10,150	$5,500	Yes
Bronze Simple 2 HMO $9150 10%	$497	HMO	Bronze	$10,150	$9,150	Yes
Buena Salud Bronce Estandar Clasico HMO $7500 $50	$517	HMO	Bronze	$10,000	$7,500	Yes
Bronze Classic Standard HMO $7500 $50	$517	HMO	Bronze	$10,000	$7,500	Yes
Bronze Classic Saver Plus HMO $8000 $0	$517	HMO	Bronze	$10,150	$8,000	Yes

Best Health Insurance in Georgia by Category

Georgia health insurance premiums vary by age and plan type. Silver-tier monthly costs range from $444 to $1,393 across major providers.

By Age:

Teens (18): Ambetter HMO plans cost $469 monthly, Alliant HMO plans cost $444 and Alliant PPO plans cost $461.
Young adults (26): Ambetter HMO coverage runs $526 monthly, Alliant HMO plans cost $498, while Alliant PPO coverage costs $517.
Adults (40): Ambetter HMO plans cost $656 monthly, Alliant HMO plans cost $622 and Alliant PPO plans cost $646.
Seniors (60): Ambetter charges $1,393 monthly for HMO plans, Alliant charges $1,320 for HMO coverage and Alliant charges $1,371 for PPO plans.

By Plan Type:

PPO: Alliant is Georgia's only PPO provider, charging 40-year-olds $646 monthly with a $5,833 deductible and $9,233 MOOP.
HMO: Ambetter offers HMO coverage for 40-year-olds at $656 monthly with a $6,212 deductible and $8,476 MOOP.

Compare Georgia Health Insurance Providers

Monthly premiums, deductibles and MOOP vary across Georgia insurers. Filter by age, metal level, plan type and HSA eligibility to compare costs.

Data filtered by:


Ambetter	$656	HMO	Silver	$8,476	$6,212	40	No
Kaiser Foundation Health Plan of Georgia, Inc.	$706	HMO	Silver	$9,163	$4,750	40	No
Oscar	$637	HMO	Silver	$9,506	$5,181	40	No
Alliant Health Plans, Inc.	$622	HMO	Silver	$9,244	$5,853	40	No
Caresource	$692	HMO	Silver	$9,600	$5,400	40	No
Anthem	$757	HMO	Silver	$9,946	$4,596	40	No
UnitedHealthcare	$1,030	HMO	Silver	$10,330	$3,160	40	No
Cigna Healthcare	$937	HMO	Silver	$10,025	$4,600	40	No

How to Choose the Best Health Insurance in Georgia

Choosing health insurance in Georgia means weighing premiums against deductibles, network access and coverage limits.

1
Assess your health care needs
Review your current medications, planned procedures and doctor visit frequency to determine your coverage level. Past medical expenses indicate future costs; chronic conditions requiring regular specialist visits in Atlanta or ongoing prescriptions affect annual health care spending and deductible selection.
2
Compare multiple insurance quotes
Request rates from at least three Georgia health insurance companies. Blue Cross Blue Shield of Georgia, Kaiser Permanente and Ambetter operate statewide with different pricing structures. Compare premiums, deductibles and coverage limits across carriers.
3
Check provider networks
Verify your preferred doctors, specialists and hospitals accept the plans you're considering. Out-of-network care costs more and often requires full payment upfront. Major hospital systems, such as Emory in DeKalb County or Piedmont, don't accept every plan; confirm network participation before enrolling.
4
Review cost-sharing details
Higher deductibles lower monthly premiums but increase upfront costs when you need care. Your out-of-pocket maximum caps annual expenses, even during major medical events. Balance monthly affordability with potential surgery or emergency care expenses at facilities in Savannah or Columbus.
5
Evaluate plan types
HMOs, PPOs, EPOs and POS plans each offer different trade-offs. HMOs require referrals but cost less. PPOs offer flexibility to see specialists without approval at higher premiums. EPOs and POS plans provide moderate costs with some network restrictions that can limit provider choices in smaller cities like Augusta.
6
Explore federal programs
Subsidies and Medicare plans offer affordable coverage for qualifying individuals. If you have low income, a qualifying disability or are 65 or older, explore Medicare Advantage and Medicare Supplement options. These programs often provide better coverage at lower costs than individual market plans.

How Much Does Health Insurance Cost in Georgia?

HMO plans offer the cheapest Bronze coverage in Georgia at $551 monthly and are the only option for the Platinum tier at $837. PPO plans provide the most affordable Silver and Gold coverage at $646 and $739, respectively, though they don't offer Bronze plans.

PPO plans cost more than HMOs but allow you to see specialists without referrals. EPO and POS plans have limited availability in Georgia. Most residents choose between HMO and PPO coverage.


HMO	$551	$726	$766	$837
PPO	No Data	$646	$739	$844

*Rates are averages for 40-year-olds in Georgia. Your rates will vary based on your age and location.

Best Health Insurance in Georgia: Bottom Line

Ambetter, Kaiser and Oscar rank as Georgia's top health insurance providers for 2026. Ambetter leads by balancing reasonable premiums with manageable out-of-pocket expenses, while Alliant offers the cheapest monthly rates but comes with higher deductibles and maximum costs.

Best Georgia Health Insurance: FAQ

Georgia health insurance questions cover enrollment deadlines, state coverage requirements and coordinating multiple plans:

How do I get health insurance in Georgia?

Georgia residents can purchase health insurance through Georgia's official health insurance marketplace, directly from insurance companies or through licensed brokers. Open enrollment is from November 1 through January 15. Special enrollment periods are available after qualifying life events like marriage, job loss or relocation. Employer-sponsored group health plans provide another coverage option.

Are you required to have health insurance in Georgia?

Georgia doesn't require health insurance, and you won't face penalties for being uninsured. Without coverage, you pay the full price for medical care out of pocket. A hospital visit can cost several thousand dollars.

Can you have multiple health insurance plans in Georgia?

Yes, you can have multiple health insurance plans in Georgia. Through coordination of benefits, your primary plan pays first and your secondary plan covers remaining eligible expenses. This arrangement occurs when both spouses have employer-sponsored coverage or when combining Medicare with supplemental insurance.

Our Review Methodology

Georgia's health insurance marketplace features mostly HMO plans. We focused our rankings on cost factors that matter most to consumers. Monthly premiums received the heaviest weight since they represent your biggest ongoing expense.

Our Scoring System

We evaluated three cost factors:

Monthly premium (60%): Your recurring monthly payment. Plans with lower premiums score higher.
Maximum out-of-pocket (20%): The yearly spending cap that protects you from major medical bills. Lower limits earn better scores.
Deductible (20%): What you pay before your plan starts covering costs. Lower deductibles receive higher scores.

Scores get adjusted based on each filter combination. We use Silver-tier HMO plans as our benchmark. The top performer gets a 5.0 score, and other providers are ranked compared to that standard.

Sample Consumer Profile

Our research covers all 2026 Georgia plans for people ages 18, 26, 40, 50 and 60. Pricing shows rates for 40-year-olds unless we note otherwise. We reviewed every metal tier: Catastrophic, Bronze, Expanded Bronze, Silver, Gold and Platinum.

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.

Read Full Bio »

Best Health Insurance in Georgia (2026)

Best Health Insurance Companies in Georgia

Best Health Insurance in Georgia by Category

Compare Georgia Health Insurance Providers

How to Choose the Best Health Insurance in Georgia

How Much Does Health Insurance Cost in Georgia?

Best Health Insurance in Georgia: Bottom Line

Best Georgia Health Insurance: FAQ

How do I get health insurance in Georgia?

Are you required to have health insurance in Georgia?

Can you have multiple health insurance plans in Georgia?

Our Review Methodology

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