Kaiser Permanente is the best Medicare Advantage company in Georgia for 2027, with a 4.5-star median CMS rating and $7,558 in median maximum annual cost exposure, though its plans are available in only 18 counties. Clover Health ranks second, with the highest median CMS rating at 5.0 stars and serving 151 counties, but its $9,850 median cost exposure is higher. HealthSpring has the lowest median cost exposure at $7,150, while Humana serves all 159 Georgia counties and has the most plans among the top insurers, with 26.
Best Medicare Advantage Plans in Georgia (2027)
Updated: October 27, 2026
Advertising & Editorial Disclosure
Best Medicare Advantage Companies in Georgia
| Overall rating based on cost, quality, benefits and availability. | Median annual premium plus median out-of-pocket maximum. | Median CMS quality rating across the carrier’s plans. | Number of Georgia counties where plans are offered. | Number of Medicare Advantage plans offered in Georgia. | |
|---|---|---|---|---|---|
Kaiser Permanente | 4.4 | $7,558 | 4.5 | 18 | 7 |
Clover Health | 4.3 | $9,850 | 5.0 | 151 | 4 |
Wellcare | 4.2 | $8,800 | 3.5 | 142 | 9 |
Devoted Health | 4.2 | $8,900 | 4.0 | 133 | 10 |
Humana | 4.1 | $9,850 | 4.0 | 159 | 26 |
HealthSpring | 4.0 | $7,150 | 3.0 | 45 | 14 |
Georgia Medicare Advantage Market Overview
Georgia has 94 non-SNP Medicare Advantage plans from 10 carriers across 24 CMS contracts for 2027. The median county has 40 plans available, and 89% of plans charge no additional monthly premium beyond Part B. Plan availability varies by county, so you should compare your local options.
The median maximum out-of-pocket (MOOP) limit for Georgia Medicare Advantage plans is $9,850, with limits ranging from $3,400 to $9,850. Plan quality also varies, with an average CMS rating of 3.80 out of 5 stars and only 38% of rated contracts earning 4 stars or higher. These differences make it important to compare costs, provider networks and quality ratings when choosing a plan.
Non-SNP Medicare Advantage plans | 94 | Plan options vary by county. Not all 94 plans are available to every Georgia resident. |
Carriers | 10 | Comparing insurers can reveal differences in provider networks, costs and benefits. |
CMS contracts | 24 | Quality ratings are assigned at the contract level, so plans from the same insurer may have different quality ratings. |
Median plans per county | 40 | Most counties have a broad plan selection. |
Plans with a $0 premium | 89% | Most plans cost nothing beyond Part B premiums, but copays and other expenses still apply. |
Median max out-of-pocket (MOOP) | $9,850 | Half of plans have an in-network spending limit at or above this amount. |
MOOP range | $3,400–$9,850 | Choosing a lower-MOOP plan could reduce annual medical cost exposure by up to $6,450. |
Average CMS star rating | 3.80 out of 5 | Overall quality falls below 4 stars, so it's worth comparing individual plan ratings. |
Contracts rated 4+ stars | 38% | Fewer than two in five rated contracts meet the 4-star quality benchmark. |
Kaiser Permanente
MoneyGeek Rating
4.4/ 5
4.5/5Affordability
4.5/5Quality & Member Experience
3.8/5Benefits & Availability
Median Max Annual Cost Exposure
$7,558Median annual premium plus median out-of-pocket maximum.Median CMS Star Rating
4.5Median CMS quality rating across the carrier’s plans.Counties Served
18Plans Available
7
Clover Health
MoneyGeek Rating
4.3/ 5
3.9/5Affordability
4.7/5Quality & Member Experience
4.4/5Benefits & Availability
Median Max Annual Cost Exposure
$9,850Median annual premium plus median out-of-pocket maximum.Median CMS Star Rating
5.0Median CMS quality rating across the carrier’s plans.Counties Served
151Plans Available
4
WellCare
MoneyGeek Rating
4.2/ 5
4.4/5Affordability
3.8/5Quality & Member Experience
4.4/5Benefits & Availability
Median Max Annual Cost Exposure
$8,800Median annual premium plus median out-of-pocket maximum.Median CMS Star Rating
3.5Median CMS quality rating across the carrier’s plans.Counties Served
142Plans Available
9
Devoted Health
MoneyGeek Rating
4.2/ 5
4.1/5Affordability
4.1/5Quality & Member Experience
4.4/5Benefits & Availability
Median Max Annual Cost Exposure
$8,900Median annual premium plus median out-of-pocket maximum.Median CMS Star Rating
4.0Median CMS quality rating across the carrier’s plans.Counties Served
133Plans Available
10
Humana
MoneyGeek Rating
4.1/ 5
4/5Affordability
4.1/5Quality & Member Experience
4.4/5Benefits & Availability
Median Max Annual Cost Exposure
$9,850Median annual premium plus median out-of-pocket maximum.Median CMS Star Rating
4.0Median CMS quality rating across the carrier’s plans.Counties Served
159Plans Available
26
HealthSpring
MoneyGeek Rating
4/ 5
4.6/5Affordability
3.5/5Quality & Member Experience
3.7/5Benefits & Availability
Median Max Annual Cost Exposure
$7,150Median annual premium plus median out-of-pocket maximum.Median CMS Star Rating
3.0Median CMS quality rating across the carrier’s plans.Counties Served
45Plans Available
14
How to Choose the Best Medicare Advantage Plan in Georgia
When choosing the best Medicare Advantage plan for your needs, consider out-of-pocket costs, provider networks, drug coverage, quality ratings and supplemental benefits.
- 1Check provider networks first
- 2Compare prescription drug coverage
Prescription drug formularies and drug tiers vary by plan, which can affect what you pay. Enter your medications in Medicare’s Plan Finder to compare coverage and estimated prescription costs.
- 3Look beyond the monthly premium
A $0-premium plan isn't necessarily the least expensive overall. Compare deductibles, copays, coinsurance and the maximum out-of-pocket limit to estimate your potential annual costs, especially if you expect frequent medical care.
- 4Evaluate supplemental benefits
Dental, vision, hearing and OTC benefits add value, but coverage limits vary widely. Compare annual allowances, covered services and provider networks rather than choosing a plan simply because it includes an extra benefit.
- 5Check CMS quality ratings
CMS rates Medicare Advantage plans from 1 to 5 stars based on member experience, customer service and health outcomes. When costs and coverage are similar, a higher-rated plan can help you identify stronger overall plan quality.
How Much Does Medicare Advantage Cost in Georgia?
Most Medicare Advantage premiums in Georgia are $0 per month regardless of plan type, but out-of-pocket costs vary widely. HMO plans have the lowest median maximum out-of-pocket (MOOP) limit at $7,150, compared with $8,800 for HMO-POS plans and $9,850 for PPO and Regional PPO plans. Median inpatient copays range from $375 to $385 per day, while primary care copays are consistent at $15 across plan types. HMO-POS plans have the lowest median specialist copay at $20, compared with $35 for HMOs and PPOs.
HMO | $0 | $7,150 | $385 | $15 | $35 |
HMO-POS | $0 | $8,800 | $375 | $15 | $20 |
PPO | $0 | $9,850 | $385 | $15 | $35 |
Regional PPO | $0 | $9,850 | $375 | $15 | $25 |
Georgia Medicare Advantage Resources
Use these free resources to compare plans in your ZIP code, confirm eligibility and get personalized assistance.
- Georgia State Health Insurance Assistance Program (SHIP): Free one-on-one counseling from trained volunteers. Georgia's program, GeorgiaCares, helps with enrollment, coverage questions and appeals. Call 1-866-552-4464.
- Medicare.gov: The federal Medicare portal for plan enrollment, benefit details and CMS star rating data for every Medicare Advantage plan. Call 1-800-MEDICARE (1-800-633-4227) for direct assistance.
- Extra Help (Low-Income Subsidy): Federal assistance with Part D prescription drug costs for members with limited income and resources.
Frequently Asked Questions
You must have Medicare Parts A and B to enroll in a Medicare Advantage plan. Sign up during Annual Enrollment (Oct. 15 to Dec. 7) or during a Special Enrollment Period, which applies after life events like losing job-based coverage or moving.
Yes, Medicare Advantage plans are available statewide, but indidivual carriers and plan options vary from county to county.
It depends on the plan type. HMO plans, which make up the majority of Georgia's Medicare Advantage market, require you to stay in-network except for emergencies. PPO plans let you see out-of-network providers but charge higher cost-sharing. Check that your current doctors accept a plan before you enroll.
Many Medicare Advantage plans in Georgia include dental and vision benefits that Original Medicare doesn't cover. Coverage varies widely. Some plans cover routine cleanings and eye exams only, while others pay for dentures, glasses or contacts. Compare benefit limits before choosing a plan.
Our Methodology
MoneyGeek evaluated Georgia Medicare Advantage companies using five CMS data sources for the 2027 plan year, including the Medicare Plan Landscape File, Plan Benefit Package files, CMS Star Ratings, the CAHPS Report Card Master Table and the Contract/Plan Enrollment file.
How We Score Carriers
Each carrier in the state receives an overall MoneyGeek score out of five from a weighted average of three category scores:
- Affordability (40%): Maximum annual cost exposure, calculated as annual premiums plus the maximum out-of-pocket limit, along with inpatient hospital, specialist and primary care costs.
- Quality and Member Experience (40%): CMS Star Ratings make up 60% of this category and CAHPS C26 member ratings make up 40%. Both are measured at the contract level.
- Benefits and Access (20%): Supplemental benefits, including dental, OTC, vision and hearing, make up 50% of this category. County coverage makes up 30% and plan choice per county makes up 20%.
About Patrick Bryant
Patrick Bryant is the Vertical Lead for Health Insurance at MoneyGeek, where he researches insurance products, writes consumer guides and maintains the scoring methodologies behind our provider comparisons. He analyzed more than 100 health insurance carriers across all 50 U.S. states and multiple policy types. His methodologies are reviewed quarterly to reflect current market conditions and carrier data.