Oscar's $746 monthly rate is Georgia's lowest overall for a 40-year-old, $113 below the state average. But Oscar doesn't lead at every tier. Alliant Health Plans is cheaper on Bronze, Silver and Platinum. Oscar wins on Gold. A Georgian with one or two annual doctor visits pays less total on Alliant's $487 Bronze plan. A Georgian managing ongoing prescriptions or specialist visits often pays less total on Oscar's $696 Gold plan, which carries a $1,500 deductible versus $7,075 on Alliant's Bronze.
Cheapest Health Insurance in Georgia (2026)
Updated: May 30, 2026
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Key Takeaways
Oscar provides the lowest health insurance rates in Georgia with average monthly premiums of $746, saving consumers $113 per month compared to the state average.
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
The cheapest health insurance policies in Georgia come from Oscar, Kaiser Foundation, Ambetter and Anthem. The most affordable option for you depends on your location, age, preferred plan type and metal level.
| 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.
At $1,082 monthly, Cigna costs $336 more per month than Oscar for the same 40-year-old. That's $4,032 per year more in premiums. Unless your providers are in Cigna's network, Oscar, Kaiser Foundation, Ambetter or Anthem represent the practical comparison set for most Georgians.
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.
Alliant's rate for a 60-year-old is $1,320 monthly, more than double its $622 rate for a 40-year-old. That $698 monthly increase reflects age-rating rules, not a coverage change. Georgians approaching 60 should run new quotes annually. CareSource's HSA-eligible plans also merit a separate look for members who want to pair lower premiums with a tax-advantaged account for out-of-pocket costs.
Cheapest Georgia Health Insurance by Metal Level
Alliant Health Plans has Georgia's lowest rates for Bronze, Silver and Platinum coverage. Oscar wins on Gold plans. Premiums span from $487 monthly for Bronze to $837 for Platinum across these insurers. Bronze keeps your monthly bill lowest but costs you more each time you need medical care. Platinum charges higher premiums but cuts what you pay per doctor visit or prescription fill. Match your tier to how often you use health care.
| 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.
Oscar's Gold plan at $696 monthly is $209 more per month than Alliant's Bronze plan at $487. That's $2,508 more per year in premiums. But Oscar Gold's $1,500 deductible versus Alliant Bronze's $7,075 deductible changes the total cost picture for anyone who uses health care regularly. Oscar Gold totals $9,852, Alliant Bronze totals $12,919. The two plans reach equal total cost at $4,008 in annual care expenses.
Compare Cheap Georgia Health Insurance Plans
Review the lowest-cost options in Georgia for your age and coverage level.
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 |
Which Georgia Health Insurance Carrier Is Right for You?
MoneyGeek's Georgia rate data of six carriers shows Oscar leads on Gold-tier pricing for high-use members, while Alliant Health Plans has the lowest rates at Bronze, Silver and Platinum. The right carrier in Georgia depends on how much health care you use, not just which name ranks first on overall price.
Oscar | You want the lowest overall rate; Gold plan's $1,500 deductible costs $60 more monthly than Silver but saves $3,681 on the deductible | Your doctors aren't in Oscar's HMO network, Alliant's PPO plan covers out-of-network providers at $646 monthly |
Kaiser Foundation | You prefer a single organization managing both your insurance and medical care, second-cheapest at $88 below the state average | You have an existing specialist outside Kaiser's network, Alliant's PPO plan costs $646 monthly, $125 less than Kaiser |
Ambetter | You want marketplace coverage at near-Oscar pricing, third-cheapest at $80 below the state average | You expect frequent insurer contact, Oscar at $746 monthly is $33 less per month |
Anthem | Your existing doctors aren't in Oscar's HMO network, fourth-cheapest at $61 below the state average | You need PPO access at the lowest price; Alliant's PPO plan costs $646 monthly, $152 less than Anthem |
Alliant Health Plans | You want Georgia's lowest Bronze ($487), Silver ($622) or Platinum ($837) rates, Alliant leads every age profile including teens at $444 monthly | Your annual care costs exceed $4,008, Oscar Gold at $696 monthly carries a $1,500 deductible versus $7,075 on Alliant Bronze |
CareSource | You plan to fund an HSA, the HSA plan costs $735 monthly with a $5,500 MOOP, $3,744 lower than Alliant's Silver MOOP of $9,244 | You aren't using an HSA, Oscar at $746 monthly and Kaiser Foundation at $771 monthly cost less overall |
How to Find the Cheapest Health Insurance in Georgia
Use these steps to find Georgia's lowest premiums without sacrificing the coverage that protects you from major medical bills.
- 1Choose a Plan Type Within Your Budget
Georgia's Silver-tier spread tells you the real cost of your decision. The cheapest Silver plan for a 40-year-old is $622 monthly (Alliant) and the most expensive is $1,163 (UnitedHealthcare), a $541 monthly gap for the same metal tier. A Georgian with two annual doctor visits and one prescription does better on the lowest-premium Bronze plan. A Georgian managing a chronic condition often spends less total on a Gold-tier plan.
- 2Check If You Qualify for Subsidies
Federal premium tax credits go to Georgia households earning 100% to 400% of the Federal Poverty Level, $15,960 to $63,840 for a single person in 2026. At 200% of the poverty level, a 40-year-old Georgian pays no more than 6% of income toward the benchmark Silver plan premium. Apply through HealthCare.gov. The credit applies monthly, so you don't wait until tax season to see the savings.
- 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
Oscar, Kaiser Foundation and Ambetter have Georgia's lowest premiums. Call each insurer for personalized quotes across Bronze through Platinum tiers since your age and location change which one actually costs least.
Cheap Georgia Health Insurance: FAQ
Below we address typical questions about affordable health insurance in Georgia:
What's the cheapest health insurance in Georgia?
Oscar is 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 $15,960 to $63,840 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.
Is $450 a month a lot for health insurance in Georgia?
$450 monthly sits well below Georgia's average Silver rates for 40-year-olds. Oscar runs $746 monthly while Ambetter hits $779. Alliant Health Plans' Bronze plans cost $487 monthly. Age and metal tier shift your cost. Compare at least three insurers.
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 (P&C) Insurance Producer in Connecticut, is MoneyGeek's resident insurance expert. He has spent nearly a decade analyzing the market, first at LendingTree and now at MoneyGeek, where he has produced original research on hundreds of carriers and millions of rates across auto, home, renters, health and life insurance.
He covers economics and insurance at MoneyGeek, and his work has been featured in The Washington Post, The New York Times and NPR, among other outlets.
Like all MoneyGeek analysts, he draws on independent cost and consumer experience data, and no insurance company partnership influences his recommendations.
Fitzpatrick earned his degrees from Johns Hopkins University (M.A. Economics and International Relations) and Boston College (B.A.). He began his career in financial risk management at State Street. He's also a five-time “Jeopardy!” champion.