Best Georgia Health Insurance (2023 Plans)

MoneyGeek’s study found that Friday Health Plans is the best overall health insurance provider in Georgia, earning a MoneyGeek score of 69 out of 100. This company shines in affordability and claims management — it is the least expensive company in this comparison group while upholding the most claims.

We analyzed data from 101 Silver HMO plans and 10 PPO plans in Georgia to determine the winner of this category.

Oscar is the best health insurance provider in Georgia for low out-of-pocket costs, scoring 79 out of 100 with MoneyGeek. The company also performs better than average for affordability and claims denial, offering cheaper premium rates and approving more insurance claims than similar providers.

For this category, we analyzed 65 Gold HMO plans, 7 Gold PPO plans and 4 Platinum PPO plans.

Friday Health Plans provides the best affordable health insurance in Georgia, receiving a MoneyGeek score of 81 out of 100.

For this category, we weighted premium affordability more heavily in our scoring. Remember that plans with lower monthly premiums tend to have higher out-of-pocket costs. This trade-off might be worth it if you don’t anticipate needing much care.

We surveyed 10 Silver PPO plans and 101 Silver HMO plans to determine the company winner and plan recommendations for this category.

Scoring 80 out of 100 with MoneyGeek, the best health insurance for Georgia residents with low income is from Friday Health Plans.

Our low-income category analysis only scored health insurance companies that offer plans with cost-sharing reductions (CSRs) and favored low monthly premiums. This amounted to 93 Silver HMO and 10 Silver PPO plans in Georgia.

CSRs are discounts that lessen your MOOP and deductible if your income falls below 250% of the federal poverty level (FPL), helping you avoid the typical trade-off of higher out-of-pocket expenses for lower premiums. Whereas a standard Silver plan pays about 70% of health care costs, cost-sharing is higher for CSR plans. For individuals in Georgia, for example:

• Annual income between $27,180 and $33,975 (201–250% of FPL) qualifies for a plan that pays about 73% of health costs
• Annual income between $20,385 and $27,180 (151–200% of FPL) qualifies for a plan that pays about 87% of health costs
• Annual income below $20,385 (up to 150% of FPL) qualifies for a plan that pays about 94% of health costs

Note that these brackets shift depending on the number of people in your household.

With a MoneyGeek score of 66 out of 100, Kaiser Permanente has the best health insurance for young adults in Georgia.

To find the best companies for young adults, we scored providers selling Bronze or Catastrophic plans, which tend to have the cheapest premiums but the highest out-of-pocket costs. Catastrophic plans are only available to those under 30 years old.

For this category, we rated the following numbers of plan tiers and types in Georgia:

• Bronze: 18 HMO plans
• Expanded Bronze: 62 HMO plans
• Catastrophic: 7 HMO plans

Health insurance providers can offer different plan types. Here are the best providers for all plan types available in Georgia:

• HMO: Friday Health Plans (MoneyGeek score 74 out of 100)
• PPO: Alliant (MoneyGeek score 100 out of 100)

Note that we limited our recommendations to Silver plans. This metal tier balances costs and coverage, making it ideal for the average person who wants adequate health care coverage at an affordable cost.

In Georgia, there are 101 HMO Silver plans and 10 PPO Silver plans.

National General Accident & Health ranks as the best short term health insurance provider in Georgia, with a MoneyGeek score of 95 out of 100. Short-term health insurance is best suited for those looking to fill temporary gaps in coverage, as it doesn’t offer all the essential health benefits that Affordable Care Act (ACA) compliant plans do.

The best health insurance provider in Georgia for you will depend on your budget and health care needs — how much are you interested in paying each month versus when you receive care? The following advice can help when shopping for health insurance.

Adults 65 and older or with a qualifying illness or disability may be eligible for Medicare. This federal health insurance program subsidizes qualified individuals' health care services. Medicare has three parts:

• Part A (Hospital Insurance): Covers in-patient hospital stays, some home health care, nursing facilities and hospice care.
• Part B (Medical Insurance): Covers out-patient care like doctor’s visits and preventive services.
• Part C (Prescription drug coverage): Helps cover the cost of prescribed medication.

We also have resources on finding the best Medicare Advantage and best Medicare Supplement plans in Georgia.

Another federal program, Medicaid, provides health coverage for people with income below a state-specified threshold. In Georgia, you may qualify for Medicaid if your household income is at or below 133% of the Federal Poverty Level (FPL) for your household size. You may also get Georgia Medicaid if you are pregnant or have a disability.

It’s common to wonder about cost and availability when shopping for health insurance plans. Here we answer some frequently asked questions.