Ambetter from Peach State Health Plan provides the cheapest overall health insurance in Georgia, with an average monthly premium of $421. Availability may vary, so check out CareSource Georgia Co., Oscar Health Plan of Georgia and Cigna for affordable health plans.
Most Affordable Health Insurance in Georgia
Updated: June 8, 2025
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Key Takeaways
Ambetter from Peach State Health Plan provides Georgia's most affordable health insurance with an average monthly savings of $237 compared to the state average.
Alliant Health Plans provides the best full coverage Platinum plans, with rates starting at $678 per month.
To find the cheapest health insurance for you, decide on a coverage level within your budget, check subsidy eligibility and compare plans from several companies.
Most Affordable Health Insurance Companies in Georgia
| Ambetter from Peach State Health Plan | $421 | $237 |
| CareSource Georgia Co. | $437 | $221 |
| Oscar Health Plan of Georgia | $503 | $155 |
| Cigna | $623 | $35 |
*These plans reflect rates for 40-year-olds who are not considered low-income.
Cheapest Georgia Health Insurance Plans by Profile
While we've summarized the cheapest companies for most in Georgia, the cheapest plan for you will differ widely depending on your desired coverage tier and age. Below are the cheapest companies by category for most in the area:
- Cheapest For Young Adults: Ambetter from Peach State Health Plan ($373 monthly)
- Cheapest For Seniors: Ambetter from Peach State Health Plan ($989 monthly)
- Cheapest Bronze Plan: Alliant Health Plans ($379 monthly)
- Cheapest Silver Plan: Ambetter from Peach State Health Plan ($466 monthly)
- Cheapest Gold Plan: Ambetter from Peach State Health Plan ($480 monthly)
- Cheapest Full Coverage (Platinum Plan): Alliant Health Plans ($678 monthly)
While these are a good measure of the most affordable plans, they only represent the cheapest for 40-year-olds (26-year-olds for young adults and 60 for seniors), and your cheapest company and plan may differ for your profile. Below, we've created a filterable table that you can modify by plan tier and age to find your lowest rate match.
Data filtered by:Results filtered by:
Select
Plan Level:Silver
Select
Age:40
| Ambetter from Peach State Health Plan | Clear Silver with $0 Insulin Options | $466 | $80 | $6,500 |
Cheapest Health Insurance Plans by County in Georgia
While Ambetter from Peach State Health Plan is the cheapest provider overall, it also leads in affordability and availability for silver plans in most counties, offering a great balance of cost and coverage. Below, you can review which company and plan are most affordable in your area.
| Appling | Ambetter | $443 | Standard Silver SELECT St. Joseph's/Candler |
| Atkinson | Anthem (BCBS) | $373 | Anthem Silver Blue Value 6500 |
| Bacon | Anthem (BCBS) | $373 | Anthem Silver Blue Value 6500 |
| Baker | Aetna | $386 | Silver 5: Aetna network of doctors & hospitals + $0 walk-in clinic + $0 Virtual Care options 24/7 |
| Baldwin | Ambetter | $358 | Standard Silver |
| Banks | Ambetter | $358 | Standard Silver |
| Barrow | Aetna | $386 | Silver 5: Aetna network of doctors & hospitals + $0 walk-in clinic + $0 Virtual Care options 24/7 |
| Bartow | Oscar | $382 | Silver Simple PCP Saver |
| Ben Hill | Ambetter | $358 | Standard Silver |
| Berrien | Ambetter | $358 | Standard Silver |
| Bibb | Ambetter | $358 | Standard Silver |
| Bleckley | Ambetter | $358 | Standard Silver |
| Brantley | Anthem (BCBS) | $373 | Anthem Silver Blue Value 6500 |
| Brooks | Ambetter | $358 | Standard Silver |
| Bryan | Ambetter | $443 | Standard Silver SELECT St. Joseph's/Candler |
| Bulloch | Ambetter | $443 | Standard Silver SELECT St. Joseph's/Candler |
| Burke | Ambetter | $358 | Standard Silver |
| Butts | Oscar | $382 | Silver Simple PCP Saver |
| Calhoun | Aetna | $386 | Silver 5: Aetna network of doctors & hospitals + $0 walk-in clinic + $0 Virtual Care options 24/7 |
| Camden | Anthem (BCBS) | $373 | Anthem Silver Blue Value 6500 |
| Candler | Ambetter | $443 | Standard Silver SELECT St. Joseph's/Candler |
| Carroll | Oscar | $382 | Silver Simple PCP Saver |
| Catoosa | Ambetter | $358 | Standard Silver |
| Charlton | Anthem (BCBS) | $373 | Anthem Silver Blue Value 6500 |
| Chatham | Ambetter | $443 | Standard Silver SELECT St. Joseph's/Candler |
| Chattahoochee | Ambetter | $358 | Standard Silver |
| Chattooga | Oscar | $382 | Silver Simple PCP Saver |
| Cherokee | Oscar | $382 | Silver Simple PCP Saver |
| Clarke | Aetna | $386 | Silver 5: Aetna network of doctors & hospitals + $0 walk-in clinic + $0 Virtual Care options 24/7 |
| Clay | Aetna | $386 | Silver 5: Aetna network of doctors & hospitals + $0 walk-in clinic + $0 Virtual Care options 24/7 |
| Clayton | Oscar | $382 | Silver Simple PCP Saver |
| Clinch | Ambetter | $358 | Standard Silver |
| Cobb | Oscar | $382 | Silver Simple PCP Saver |
| Coffee | Anthem (BCBS) | $373 | Anthem Silver Blue Value 6500 |
| Colquitt | Ambetter | $358 | Standard Silver |
| Columbia | Ambetter | $358 | Standard Silver |
| Cook | Ambetter | $358 | Standard Silver |
| Coweta | Oscar | $382 | Silver Simple PCP Saver |
| Crawford | Ambetter | $358 | Standard Silver |
| Crisp | Aetna | $386 | Silver 5: Aetna network of doctors & hospitals + $0 walk-in clinic + $0 Virtual Care options 24/7 |
| Dade | Ambetter | $358 | Standard Silver |
| Dawson | Ambetter | $358 | Standard Silver |
| DeKalb | Oscar | $382 | Silver Simple PCP Saver |
| Decatur | Ambetter | $358 | Standard Silver |
| Dodge | Ambetter | $358 | Standard Silver |
| Dooly | Ambetter | $358 | Standard Silver |
| Dougherty | Aetna | $386 | Silver 5: Aetna network of doctors & hospitals + $0 walk-in clinic + $0 Virtual Care options 24/7 |
| Douglas | Oscar | $382 | Silver Simple PCP Saver |
| Early | Ambetter | $358 | Standard Silver |
| Echols | Ambetter | $358 | Standard Silver |
| Effingham | Ambetter | $443 | Standard Silver SELECT St. Joseph's/Candler |
| Elbert | Aetna | $386 | Silver 5: Aetna network of doctors & hospitals + $0 walk-in clinic + $0 Virtual Care options 24/7 |
| Emanuel | Ambetter | $358 | Standard Silver |
| Evans | Ambetter | $443 | Standard Silver SELECT St. Joseph's/Candler |
| Fannin | Ambetter | $358 | Standard Silver |
| Fayette | Oscar | $382 | Silver Simple PCP Saver |
| Floyd | Oscar | $382 | Silver Simple PCP Saver |
| Forsyth | Oscar | $382 | Silver Simple PCP Saver |
| Franklin | Ambetter | $358 | Standard Silver |
| Fulton | Oscar | $382 | Silver Simple PCP Saver |
| Gilmer | Oscar | $382 | Silver Simple PCP Saver |
| Glascock | Ambetter | $358 | Standard Silver |
| Glynn | Anthem (BCBS) | $373 | Anthem Silver Blue Value 6500 |
| Gordon | Oscar | $382 | Silver Simple PCP Saver |
| Grady | Ambetter | $358 | Standard Silver |
| Greene | Aetna | $386 | Silver 5: Aetna network of doctors & hospitals + $0 walk-in clinic + $0 Virtual Care options 24/7 |
| Gwinnett | Oscar | $382 | Silver Simple PCP Saver |
| Habersham | Ambetter | $358 | Standard Silver |
| Hall | Ambetter | $358 | Standard Silver |
| Hancock | Ambetter | $358 | Standard Silver |
| Haralson | Oscar | $382 | Silver Simple PCP Saver |
| Harris | Ambetter | $358 | Standard Silver |
| Hart | Ambetter | $358 | Standard Silver |
| Heard | Oscar | $382 | Silver Simple PCP Saver |
| Henry | Oscar | $382 | Silver Simple PCP Saver |
| Houston | Ambetter | $358 | Standard Silver |
| Irwin | Ambetter | $358 | Standard Silver |
| Jackson | Aetna | $386 | Silver 5: Aetna network of doctors & hospitals + $0 walk-in clinic + $0 Virtual Care options 24/7 |
| Jasper | Oscar | $382 | Silver Simple PCP Saver |
| Jeff Davis | Anthem (BCBS) | $373 | Anthem Silver Blue Value 6500 |
| Jefferson | Ambetter | $358 | Standard Silver |
| Jenkins | Ambetter | $358 | Standard Silver |
| Johnson | Anthem (BCBS) | $373 | Anthem Silver Blue Value 6500 |
| Jones | Ambetter | $358 | Standard Silver |
| Lamar | Oscar | $382 | Silver Simple PCP Saver |
| Lanier | Ambetter | $358 | Standard Silver |
| Laurens | Anthem (BCBS) | $373 | Anthem Silver Blue Value 6500 |
| Lee | Aetna | $386 | Silver 5: Aetna network of doctors & hospitals + $0 walk-in clinic + $0 Virtual Care options 24/7 |
| Liberty | Ambetter | $443 | Standard Silver SELECT St. Joseph's/Candler |
| Lincoln | Ambetter | $358 | Standard Silver |
| Long | Ambetter | $443 | Standard Silver SELECT St. Joseph's/Candler |
| Lowndes | Ambetter | $358 | Standard Silver |
| Lumpkin | Ambetter | $358 | Standard Silver |
| Macon | Ambetter | $358 | Standard Silver |
| Madison | Aetna | $386 | Silver 5: Aetna network of doctors & hospitals + $0 walk-in clinic + $0 Virtual Care options 24/7 |
| Marion | Ambetter | $358 | Standard Silver |
| McDuffie | Ambetter | $358 | Standard Silver |
| McIntosh | Anthem (BCBS) | $373 | Anthem Silver Blue Value 6500 |
| Meriwether | Ambetter | $358 | Standard Silver |
| Miller | Ambetter | $358 | Standard Silver |
| Mitchell | Aetna | $386 | Silver 5: Aetna network of doctors & hospitals + $0 walk-in clinic + $0 Virtual Care options 24/7 |
| Monroe | Ambetter | $358 | Standard Silver |
| Montgomery | Anthem (BCBS) | $373 | Anthem Silver Blue Value 6500 |
| Morgan | Aetna | $386 | Silver 5: Aetna network of doctors & hospitals + $0 walk-in clinic + $0 Virtual Care options 24/7 |
| Murray | Ambetter | $358 | Standard Silver |
| Muscogee | Ambetter | $358 | Standard Silver |
| Newton | Oscar | $382 | Silver Simple PCP Saver |
| Oconee | Aetna | $386 | Silver 5: Aetna network of doctors & hospitals + $0 walk-in clinic + $0 Virtual Care options 24/7 |
| Oglethorpe | Aetna | $386 | Silver 5: Aetna network of doctors & hospitals + $0 walk-in clinic + $0 Virtual Care options 24/7 |
| Paulding | Oscar | $382 | Silver Simple PCP Saver |
| Peach | Ambetter | $358 | Standard Silver |
| Pickens | Oscar | $382 | Silver Simple PCP Saver |
| Pierce | Anthem (BCBS) | $373 | Anthem Silver Blue Value 6500 |
| Pike | Oscar | $382 | Silver Simple PCP Saver |
| Polk | Oscar | $382 | Silver Simple PCP Saver |
| Pulaski | Ambetter | $358 | Standard Silver |
| Putnam | Ambetter | $358 | Standard Silver |
| Quitman | Ambetter | $358 | Standard Silver |
| Rabun | Ambetter | $358 | Standard Silver |
| Randolph | Aetna | $386 | Silver 5: Aetna network of doctors & hospitals + $0 walk-in clinic + $0 Virtual Care options 24/7 |
| Richmond | Ambetter | $358 | Standard Silver |
| Rockdale | Oscar | $382 | Silver Simple PCP Saver |
| Schley | Aetna | $386 | Silver 5: Aetna network of doctors & hospitals + $0 walk-in clinic + $0 Virtual Care options 24/7 |
| Screven | Ambetter | $443 | Standard Silver SELECT St. Joseph's/Candler |
| Seminole | Ambetter | $358 | Standard Silver |
| Spalding | Oscar | $382 | Silver Simple PCP Saver |
| Stephens | Ambetter | $358 | Standard Silver |
| Stewart | Ambetter | $358 | Standard Silver |
| Sumter | Aetna | $386 | Silver 5: Aetna network of doctors & hospitals + $0 walk-in clinic + $0 Virtual Care options 24/7 |
| Talbot | Ambetter | $358 | Standard Silver |
| Taliaferro | Ambetter | $358 | Standard Silver |
| Tattnall | Ambetter | $443 | Standard Silver SELECT St. Joseph's/Candler |
| Taylor | Ambetter | $358 | Standard Silver |
| Telfair | Anthem (BCBS) | $373 | Anthem Silver Blue Value 6500 |
| Terrell | Aetna | $386 | Silver 5: Aetna network of doctors & hospitals + $0 walk-in clinic + $0 Virtual Care options 24/7 |
| Thomas | Ambetter | $358 | Standard Silver |
| Tift | Ambetter | $358 | Standard Silver |
| Toombs | Anthem (BCBS) | $373 | Anthem Silver Blue Value 6500 |
| Towns | Ambetter | $358 | Standard Silver |
| Treutlen | Anthem (BCBS) | $373 | Anthem Silver Blue Value 6500 |
| Troup | Ambetter | $358 | Standard Silver |
| Turner | Ambetter | $358 | Standard Silver |
| Twiggs | Ambetter | $358 | Standard Silver |
| Union | Ambetter | $358 | Standard Silver |
| Upson | Ambetter | $358 | Standard Silver |
| Walker | Ambetter | $358 | Standard Silver |
| Walton | Oscar | $382 | Silver Simple PCP Saver |
| Ware | Anthem (BCBS) | $373 | Anthem Silver Blue Value 6500 |
| Warren | Ambetter | $358 | Standard Silver |
| Washington | Ambetter | $358 | Standard Silver |
| Wayne | Anthem (BCBS) | $373 | Anthem Silver Blue Value 6500 |
| Webster | Ambetter | $358 | Standard Silver |
| Wheeler | Anthem (BCBS) | $373 | Anthem Silver Blue Value 6500 |
| White | Ambetter | $358 | Standard Silver |
| Whitfield | Ambetter | $358 | Standard Silver |
| Wilcox | Ambetter | $358 | Standard Silver |
| Wilkes | Ambetter | $358 | Standard Silver |
| Wilkinson | Ambetter | $358 | Standard Silver |
| Worth | Aetna | $386 | Silver 5: Aetna network of doctors & hospitals + $0 walk-in clinic + $0 Virtual Care options 24/7 |
How to Find the Cheapest Health Insurance in Georgia
Follow these steps to find affordable health insurance in Georgia:
- 1
Determine what coverage plan you need and can afford
Depending on your personal health circumstances and income, the type of coverage plan and tier you need will differ widely. To decide how much health insurance you should get, calculate how much income you can put aside for monthly premiums, consider your health and determine your risk for injury or disease based on your location, age and habits.
- 2
Find out your subsidy eligibility
For individuals with incomes between $14,580 and $54,000, premium tax credits can offer 40% to 100% cost reductions. Additionally, those earning below 250% of the Federal Poverty Level ($36,450) can qualify for cost-sharing reductions, lowering out-of-pocket expenses by up to 73%.
- 3
Consider federal programs if old enough
If you are old enough, you should also consider Medicare/Medicaid programs, Medicare Advantage plans and Medicare Supplement plans in the state. These plans are often cheaper than traditional options and allow more flexibility with coverage choices.
- 4
Review prescription formularies
Review prescription coverages for medications you regularly take. Some insurers place common medications on lower tiers with reduced copays compared to competitors, potentially saving you hundreds annually.
- 5
Compare plans during Open Enrollment
Open Enrollment lasts from November 1 to January 15, but you may also qualify for Special Enrollment if you've lost your job, have gotten divorced or have had a child. Make sure to consider types of coverage, customer ratings, costs and availability with medical providers.
MONEYGEEK TIP: MAKE SURE TO APPLY PROMPTLY
Apply for coverage at least five days before the deadline to avoid technical issues. Have your income documentation, Social Security numbers and immigration documents ready when applying to ensure a smooth enrollment process.
Most Affordable Health Insurance in Georgia: Bottom Line
Ambetter from Peach State Health Plan, CareSource Georgia Co., Oscar Health Plan of Georgia and Cigna are the most affordable health insurance companies in Georgia. While we recommend these affordable options, you should compare as many plan types and tier quotes as possible from multiple companies to get the best deal.
Cheap Georgia Health Insurance: FAQ
Below are frequently asked questions about finding affordable health insurance in Georgia:
What is the cheapest health insurance in Georgia?
Ambetter from Peach State Health Plan offers the cheapest health insurance in Georgia, with silver plans starting at $421 for 40-year-olds. However, CareSource Georgia Co., Oscar Health Plan of Georgia or Cigna could suit your needs based on income and preferences.
What are the downsides of a cheap health insurance plan?
Cheap health insurance plans often mean higher out-of-pocket costs during health care visits due to lower upfront premiums. Premium plans provide greater coverage and drastically reduce out-of-pocket maximums.
Do I qualify for subsidies on health insurance in Georgia?
People earning between $14,580 and $54,000 annually qualify for premium tax credits, which can reduce costs by 40% to 100%. Additionally, those earning below 250% of the Federal Poverty Level ($36,450) can qualify for cost-sharing reductions, which can lower out-of-pocket expenses by up to 73%.
When can I enroll in health insurance in Georgia?
Open Enrollment lasts from November 1 to January 15, but you may also qualify for Special Enrollment if you've lost your job, divorced or had a child.
How We Decided the Cheapest Health Insurance Companies in Georgia
MoneyGeek obtained data directly from the Centers for Medicare and Medicaid Services (CMS) on available health insurance plans in Georgia based on consumers aged 18, 26, 40, 50 and 60.
We considered the cheapest overall to be those with the lowest monthly premium costs for 40-year-olds, as most in the state are near this age demographic, and for simplicity. However, cheaper plans tend to have higher out-of-pocket maximums and deductibles, meaning you may pay more if you receive care.
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!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.