The cheapest health insurance policies in Georgia come from Oscar, Kaiser Foundation., Ambetter and Anthem. The cheapest option for you depends on your location, age, preferred plan type and metal level.
Cheapest Health Insurance in Georgia (2026)
Updated: December 21, 2025
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Key Takeaways
Oscar offers the lowest health insurance rates in Georgia with average monthly premiums of $746, saving consumers $113 per month compared to the state average.
Alliant Health Plans provides the most affordable coverage for young adults, adults, seniors, HMO and PPO plans, though Oscar, Kaiser Foundation, CareSource and other providers have cheaper rates for certain plan metal tiers and consumer profiles.
Find cheaper health insurance by selecting coverage that fits your budget, verifying subsidy qualification and getting quotes from multiple companies.
Most Affordable Health Insurance Companies in Georgia
| Oscar | $746 | $113 | $8,952 | $1,356 |
| Kaiser Foundation Health Plan of Georgia, Inc. | $771 | $88 | $9,252 | $1,056 |
| Ambetter | $779 | $80 | $9,348 | $960 |
| Anthem | $798 | $61 | $9,576 | $732 |
| Alliant Health Plans, Inc. | $821 | $38 | $9,852 | $456 |
| Caresource | $831 | $28 | $9,972 | $336 |
| Cigna Healthcare | $1,082 | $223 | $12,984 | $2,676 |
| UnitedHealthcare | $1,163 | $304 | $13,956 | $3,648 |
* We calculate average monthly rates by taking the rounded average of each provider’s monthly plan rates in Georgia. We calculate average monthly savings by subtracting the statewide average monthly rate from each provider’s average. Your actual rates will vary based on age, location and chosen plan.
Oscar
MoneyGeek Rating
3.8/ 5
4.2/5Affordability
3.7/5Deductible
2.5/5MOOP
Average Monthly Rate
$746Average MOOP
$9,319Average Deductible
$4,221
Cheapest Georgia Health Insurance Providers by Profile
Your best plan varies based on age, plan type preference and metal level. You should also weigh premiums against deductibles and maximum out-of-pocket (MOOP) costs.
| Teens | Alliant Health Plans, Inc. | $444 | $5,330 | $9,244 | $5,853 |
| Young Adults | Alliant Health Plans, Inc. | $498 | $5,978 | $9,244 | $5,853 |
| Adults | Alliant Health Plans, Inc. | $622 | $7,460 | $9,244 | $5,853 |
| Seniors | Alliant Health Plans, Inc. | $1,320 | $15,843 | $9,244 | $5,853 |
| PPO | Alliant Health Plans, Inc. | $646 | $7,749 | $9,233 | $5,833 |
| HMO | Alliant Health Plans, Inc. | $622 | $7,460 | $9,244 | $5,853 |
| With Health Savings Account Eligibility | Caresource | $735 | $8,817 | $5,500 | $5,500 |
* Rates shown are averages for silver-tier plans, using the following ages for each group: teens age 18, young adults age 26, adults age 40, seniors age 60. For plan type costs, we used average rates for 40-year-olds.
Cheapest Georgia Health Insurance by Metal Level
Your metal tier choice affects the balance between monthly premiums and out-of-pocket costs when you need care. Bronze plans feature the cheapest monthly payments but require more cost-sharing when you visit doctors.
Platinum plans cost more each month but minimize expenses for medical care. Choose based on your health care needs. Bronze saves money if you're healthy, but Gold or Platinum work better if you see doctors frequently.
Alliant Health Plans, Inc. offers the most affordable Georgia health insurance across Bronze, Silver and Platinum tiers, while Oscar provides the cheapest Gold plans. Monthly premiums start as low as $487 for Bronze plans and reach as high as $837 for Platinum plans.
| Bronze | Alliant Health Plans, Inc. | $487 | $5,850 | $10,150 | $7,075 |
| Silver | Alliant Health Plans, Inc. | $622 | $7,460 | $9,244 | $5,853 |
| Gold | Oscar | $696 | $8,356 | $8,350 | $1,500 |
| Platinum | Alliant Health Plans, Inc. | $837 | $10,048 | $3,350 | $500 |
* Rates shown are the provider's average at the given metal tier for 40-year-olds.
Compare Cheap Georgia Health Insurance Plans
Find the most affordable health insurance options in Georgia that match your needs:
Data filtered by:
HMO
Silver
18
No
| Alliant Health Plans, Inc. | SoloCare Vitruvian Plus Silver HMO $6500 40% | $383 | HMO | Silver | $9,600 | $6,500 | 18 | No |
| Alliant Health Plans, Inc. | SoloCare Standard Silver HMO $6000 40% | $427 | HMO | Silver | $8,900 | $6,000 | 18 | No |
| Alliant Health Plans, Inc. | SoloCare Silver HMO $6500 40% | $447 | HMO | Silver | $9,600 | $6,500 | 18 | No |
| Oscar | Silver Simple Saver HMO $5750 $10 | $452 | HMO | Silver | $9,900 | $5,750 | 18 | No |
| Oscar | Silver Classic Standard HMO $6000 $40 | $452 | HMO | Silver | $8,900 | $6,000 | 18 | No |
| Oscar | Buena Salud Plateado Estandar Clasico HMO $6000 $40 | $453 | HMO | Silver | $8,900 | $6,000 | 18 | No |
| Oscar | Silver Simple Diabetes HMO $6500 $0 | $454 | HMO | Silver | $10,000 | $6,500 | 18 | No |
| Oscar | Silver Simple Women's Health with Menopause Benefits HMO $6000 $0 | $455 | HMO | Silver | $10,150 | $6,000 | 18 | No |
| Oscar | Silver Simple HMO $5000 $20 | $456 | HMO | Silver | $9,500 | $5,000 | 18 | No |
| Oscar | Silver Simple Breathe Easy with Enhanced COPD Benefits HMO $6200 $0 | $456 | HMO | Silver | $9,600 | $6,200 | 18 | No |
How to Find the Cheapest Health Insurance in Georgia
Use these steps to identify affordable coverage matching your healthcare needs while staying within budget.
- 1Choose a plan type within your budget
Start by calculating what you can afford for monthly premiums, then evaluate your health status and assess risk factors like age, lifestyle and location. The right type of plan balances adequate protection with affordability for your circumstances.
- 2Check if you qualify for subsidies
Subsidy eligibility for 2026 health insurance depends on your household size and income. Financial assistance is available for incomes ranging from 100% to 400% of the Federal Poverty Level.
- 3Explore Medicare options if you qualify
Georgia residents who meet age requirements should investigate Medicare and Medicaid options. Medicare Advantage plans and Medicare Supplement plans often cost less than marketplace alternatives while offering greater coverage flexibility.
- 4Verify prescription coverage
Examine drug formularies for any medications you take regularly. Insurance companies vary in how they tier common prescriptions, with some offering lower copays.
- 5Shop during Open Enrollment period
The Open Enrollment window runs November 1 through January 15 each year. You might also qualify for Special Enrollment after major life changes like job loss, divorce or adding a family member.
- 6Research Georgia-specific regulations
Georgia operates as a federally facilitated marketplace, meaning residents use Healthcare.gov for enrollment. The state has specific insurance regulations that may affect your coverage options and costs.
Cheapest Health Insurance in Georgia: Bottom Line
The most affordable health insurance providers in Georgia are Oscar, Kaiser Foundation and Ambetter. While these are our recommendations, you should get quotes from several companies across different plan types and metal tiers to get the best rate.
Cheap Georgia Health Insurance: FAQ
Below we address typical questions about affordable health insurance in Georgia:
What is the cheapest health insurance in Georgia?
Oscar offers the most affordable health insurance in Georgia, with Silver plans averaging $746 monthly for 40-year-olds.
What are the downsides of a cheap health insurance plan?
Cheap health insurance plans come with high deductibles that often reach $5,000 to $8,000 annually, plus out-of-pocket maximums exceeding $9,100. These budget plans also feature narrow provider networks, excluding many top hospitals and specialists in your area.
Do I qualify for subsidies on health insurance in Georgia?
Georgia residents qualify for federal premium tax credits if household income falls between 100% to 400% of the Federal Poverty Level (roughly $15,060 to $60,240 for individuals). Apply through HealthCare.gov to determine your eligibility based on projected income and household size.
When can I enroll in health insurance in Georgia?
You can enroll in Georgia health insurance during Open Enrollment from November 1 to January 15 for the following year's coverage. You may qualify for Special Enrollment if you experience a qualifying life event like job loss, marriage or having a baby.
How We Decided the Cheapest Health Insurance Companies in Georgia
We gathered plan information from Georgia Access for consumers aged 18 to 60, specifically examining costs for individuals aged 18, 26, 40, 50 and 60 years old. Plans with the lowest monthly premiums for 40-year-olds ranked as the cheapest overall because this age group is the most common demographically and provides a clear comparison.
Age-specific rankings use their respective premium costs. Keep in mind that lower premiums often come with higher deductibles and out-of-pocket maximums, which could increase your costs when receiving 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.