Cheapest Health Insurance in Georgia (2024 Plans)


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ByMark Fitzpatrick
Edited byLukas Velunta
ByMark Fitzpatrick
Edited byLukas Velunta

Updated: May 22, 2024

Advertising & Editorial Disclosure

Health insurance costs in Georgia differ by tier: Oscar offers affordable Bronze and Gold options, with Alliant leading in Expanded Bronze and Platinum, and Anthem (BCBS) in Silver.

For an optimal blend of price and coverage, explore the best health insurance in Georgia.

MoneyGeek Logo IconCheapestHealth InsuranceGeorgia
2024

Why Trust MoneyGeek? We downloaded plan data for Georgia directly from the Centers for Medicare and Medicaid Services (CMS).

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Plan data was updated with the CMS exchange data released in October, the latest available data for the 2024 enrollment period.

222Plans Analyzed
 
18Providers Compared

Cheapest Health Insurance in Georgia by Metal Tier

The most cost-effective plan in the Silver tier for Georgians is the Anthem Silver Blue Value 6500 offered by Anthem (BCBS), proving popular among consumers due to its balanced approach to cost and coverage with a monthly premium of $412. Silver plans are the most common due to their moderate premiums and cost-sharing benefits. For those willing to accept higher out-of-pocket costs for lower monthly rates, Bronze plans are available.

Health insurance costs are contingent upon the metal tier selected, with the principle of balancing premium costs against out-of-pocket expenses like deductibles and copays.

Here are the most affordable health insurance plans from each metal tier:

  • Catastrophic: Secure (Oscar) - $238 per month (Note: Only individuals under 30 or with a qualifying exemption are eligible for this plan)
  • Bronze: Bronze Simple 2 (Oscar) - $326 per month
  • Expanded Bronze: SoloCare No Referral HMO Standard Expanded Bronze (Alliant) - $347 per month
  • Silver: Anthem Silver Blue Value 6500 (Anthem (BCBS)) - $412 per month
  • Gold: Gold Classic Standard (Oscar) - $454 per month
  • Platinum: SoloCare Platinum No Referral HMO - $0 PCP, $0 Generic Rx (Alliant) - $683 per month

For more details on cheap health insurance options and to find a plan that fits your budget and needs, explore the linked information.

Data filtered by:Results filtered by:
Age:
Age:40
CatastrophicPlanSecureCompanyOscarMonthly Cost$297Maximum Out-of-Pocket$9,450
BronzePlanBronze Simple 2CompanyOscarMonthly Cost$326Maximum Out-of-Pocket$9,100
Expanded BronzePlanSoloCare No Referral HMO Standard Expanded BronzeCompanyAlliantMonthly Cost$347Maximum Out-of-Pocket$9,400
SilverPlanAnthem Silver Blue Value 6500 CompanyAnthem (BCBS)Monthly Cost$412Maximum Out-of-Pocket$8,450
GoldPlanGold Classic StandardCompanyOscarMonthly Cost$454Maximum Out-of-Pocket$8,700
PlatinumPlanSoloCare Platinum No Referral HMO - $0 PCP, $0 Generic RxCompanyAlliantMonthly Cost$683Maximum Out-of-Pocket$1,500
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WHAT ARE METAL TIERS?

In the Georgia health insurance marketplace, consumers can choose from several metal tiers: Bronze, Catastrophic, Expanded Bronze, Silver, Gold and Platinum. These tiers represent a range of coverage levels and costs to meet different needs and budgets.

Bronze plans tend to have the lowest monthly premiums but higher out-of-pocket costs when accessing health care services. Conversely, Platinum plans offer the most comprehensive coverage with higher premiums but considerably lower out-of-pocket expenses. Gold plans are a middle ground with moderate premiums and lower out-of-pocket costs than Bronze or Expanded Bronze plans.

Silver plans present a unique benefit for individuals with incomes below 250% of the Federal Poverty Level, who may qualify for cost-sharing reductions (CSRs). CSRs help lower the amount that one pays for deductibles, copayments and co-insurance, making health care more affordable and accessible.

Cheapest Silver Plans in Georgia

The most affordable Silver tier health plan in Georgia is the Anthem Silver Blue Value 6500 offered by Anthem (BCBS), with a monthly cost of $412. The three most affordable Silver health plans in Georgia are:

  • Anthem Silver Blue Value 6500 from Anthem (BCBS) ($412 per month)
  • Anthem Silver Blue Value 5900/40% Standard from Anthem (BCBS) ($414 per month)
  • Anthem Silver Blue Value 5500 from Anthem (BCBS) ($418 per month)

Silver plans are an excellent choice for individuals who expect to use a moderate amount of health care services because they balance monthly premiums with out-of-pocket costs. Customers with lower incomes may qualify for cost-sharing reductions, which can significantly lower the amount they pay for deductibles, copayments and co-insurance. By enrolling in a Silver plan and applying for these subsidies, eligible consumers can reduce their health care expenses to a more manageable level.

Data filtered by:Results filtered by:
Age:
Age:40
Anthem (BCBS)Monthly Cost$412Maximum Out-of-Pocket$8,450PlanAnthem Silver Blue Value 6500
Anthem (BCBS)Monthly Cost$414Maximum Out-of-Pocket$9,100PlanAnthem Silver Blue Value 5900/40% Standard
Anthem (BCBS)Monthly Cost$418Maximum Out-of-Pocket$8,600PlanAnthem Silver Blue Value 5500
Anthem (BCBS)Monthly Cost$422Maximum Out-of-Pocket$8,800PlanAnthem Silver Blue Value 4500
OscarMonthly Cost$434Maximum Out-of-Pocket$8,900PlanSilver Simple PCP Saver

Cheapest Gold Plans in Georgia

The most cost-effective Gold tier plan in Georgia is the Gold Classic Standard from Oscar available at a monthly cost of $454. This stands out as the cheapest option among Gold plans in the region. Here are the three most affordable Gold plans in Georgia:

  • Gold Classic Standard from Oscar ($454 per month)
  • Clear Gold from Ambetter ($458 per month)
  • Standard Gold SELECT St. Joseph's/Candler from Ambetter ($465 per month)

Gold plans are typically suited for customers who anticipate needing a fair amount of medical care. They offer lower out-of-pocket costs when accessing health services but come with higher monthly premiums. These plans are a good match for individuals who prioritize broader coverage and are willing to pay more upfront to ensure they have comprehensive health care benefits when needed.

Data filtered by:Results filtered by:
Age:
Age:40
OscarMonthly Cost$454Maximum Out-of-Pocket$8,700PlanGold Classic Standard
AmbetterMonthly Cost$458Maximum Out-of-Pocket$8,700PlanClear Gold
AmbetterMonthly Cost$465Maximum Out-of-Pocket$8,700PlanStandard Gold SELECT St. Joseph's/Candler
AmbetterMonthly Cost$465Maximum Out-of-Pocket$7,500PlanEveryday Gold
AmbetterMonthly Cost$467Maximum Out-of-Pocket$8,700PlanStandard Gold

Cheapest Bronze Plans in Georgia

The most affordable option in the Bronze tier for health insurance in Georgia is the Bronze Simple 2 plan offered by Oscar at a monthly cost of $326. The three most affordable Bronze plans in Georgia by monthly cost are:

  • Bronze Simple 2 from Oscar ($326 per month)
  • Clear Bronze from Ambetter ($388 per month)
  • Clear Bronze + Vision + Adult Dental from Ambetter ($402 per month)

Bronze plans are generally suited for individuals who want lower monthly premiums and are comfortable with higher out-of-pocket costs in the event of significant medical services. They are ideal for those who are relatively healthy and do not expect to need extensive medical care. These plans can be a good choice for budget-conscious consumers who want to ensure they have protection against the cost of major health issues.

Data filtered by:Results filtered by:
Age:
Age:40
OscarMonthly Cost$326Maximum Out-of-Pocket$9,100PlanBronze Simple 2
AmbetterMonthly Cost$388Maximum Out-of-Pocket$9,000PlanClear Bronze
AmbetterMonthly Cost$402Maximum Out-of-Pocket$9,000PlanClear Bronze + Vision + Adult Dental
Anthem (BCBS)Monthly Cost$444Maximum Out-of-Pocket$9,450PlanAnthem Bronze Pathway HMO 8000
Anthem (BCBS)Monthly Cost$471Maximum Out-of-Pocket$9,450PlanAnthem Bronze Pathway Guided Access HMO 8000

Cheapest Expanded Bronze Plans in Georgia

The cheapest plan in the Expanded Bronze tier in Georgia is the SoloCare No Referral HMO Standard Expanded Bronze offered by Alliant with a monthly cost of $347. The three most affordable Expanded Bronze plans in Georgia are:

  • SoloCare No Referral HMO Standard Expanded Bronze from Alliant ($347 per month)
  • SoloCare No Referral HMO Standard Expanded Bronze Chiro from Alliant ($351 per month)
  • SoloCare PPO Standard Expanded Bronze from Alliant ($353 per month)

Expanded Bronze plans are suitable for customers seeking lower monthly premiums with moderately higher out-of-pocket costs when they need care. These plans may be a good fit for individuals who are in relatively good health and want to ensure they have coverage for major medical events. Customers who choose these plans do so to balance monthly budget constraints while maintaining access to essential health benefits.

Data filtered by:Results filtered by:
Age:
Age:40
AlliantMonthly Cost$347Maximum Out-of-Pocket$9,400PlanSoloCare No Referral HMO Standard Expanded Bronze
AlliantMonthly Cost$351Maximum Out-of-Pocket$9,400PlanSoloCare No Referral HMO Standard Expanded Bronze Chiro
AlliantMonthly Cost$353Maximum Out-of-Pocket$9,400PlanSoloCare PPO Standard Expanded Bronze
AlliantMonthly Cost$356Maximum Out-of-Pocket$9,400PlanSoloCare PPO Standard Expanded Bronze Chiro
OscarMonthly Cost$364Maximum Out-of-Pocket$9,400PlanBronze Classic Standard

Cheapest Catastrophic Plans in Georgia

The most affordable Catastrophic plan in Georgia is Secure from Oscar, with a monthly cost of $238. Here are the three cheapest Catastrophic plans in Georgia:

  • Secure from Oscar ($238 per month)
  • SoloCare Catastrophic No Referral HMO from Alliant ($242 per month)
  • SoloCare Catastrophic No Referral HMO Chiro from Alliant ($244 per month)

These plans are for people under 30 or who qualify for a hardship exemption. They have cheap monthly costs but expensive MOOPs. They're ideal for people who wish to save money monthly but remain covered for major health problems. But if you need to see a doctor often or have multiple prescriptions, other metal tiers are a better fit.

Data filtered by:Results filtered by:
Age:
Age:26
OscarMonthly Cost$238Maximum Out-of-Pocket$9,450PlanSecure
AlliantMonthly Cost$242Maximum Out-of-Pocket$9,450PlanSoloCare Catastrophic No Referral HMO
AlliantMonthly Cost$244Maximum Out-of-Pocket$9,450PlanSoloCare Catastrophic No Referral HMO Chiro
AlliantMonthly Cost$246Maximum Out-of-Pocket$9,450PlanSoloCare Catastrophic PPO
AlliantMonthly Cost$248Maximum Out-of-Pocket$9,450PlanSoloCare Catastrophic PPO Chiro

Cheapest Platinum Plans in Georgia

The most affordable Platinum health insurance plan in Georgia is the SoloCare Platinum No Referral HMO - $0 PCP, $0 Generic Rx offered by Alliant, with a monthly cost of $683.

Platinum plans are designed for customers who expect to need frequent medical care. These plans offer the highest monthly premiums compared with other tiers but minimize out-of-pocket expenses like deductibles, copayments and co-insurance. As such, they can be particularly beneficial for individuals with chronic health conditions or those who require regular, comprehensive health care services.

Data filtered by:Results filtered by:
Age:
Age:40
AlliantMonthly Cost$683Maximum Out-of-Pocket$1,500PlanSoloCare Platinum No Referral HMO - $0 PCP, $0 Generic Rx
AlliantMonthly Cost$686Maximum Out-of-Pocket$1,500PlanSoloCare Platinum PPO - $0 PCP, $0 Generic Rx
AlliantMonthly Cost$690Maximum Out-of-Pocket$1,500PlanSoloCare Platinum No Referral HMO Chiro - $0 PCP, $0 Generic Rx
AlliantMonthly Cost$693Maximum Out-of-Pocket$1,500PlanSoloCare Platinum PPO Chiro - $0 PCP, $0 Generic Rx
AlliantMonthly Cost$707Maximum Out-of-Pocket$3,200PlanSoloCare No Referral HMO Standard Platinum

Cheapest Health Insurance in Georgia for Those With Low Income

In Georgia, individuals earning up to 250% below the Federal Poverty Level are eligible for cost-sharing reductions (CSRs) when they choose Silver plans. These CSRs make health care more affordable by decreasing deductibles and out-of-pocket expenses.

The most affordable Silver plan available for those with incomes ranging from $14,580 to $21,870 is the Anthem Silver Blue Value 6500 offered by Anthem (BCBS), featuring a MOOP of $790. The Silver plans with the lowest out-of-pocket costs are:

  • Anthem Silver Blue Value 6500 from Anthem (BCBS) (monthly cost: $412, MOOP: $790)
  • Anthem Silver Blue Value 5900/40% Standard from Anthem (BCBS) (monthly cost $414, MOOP: $1,800)

Cost-sharing reductions in Georgia are attainable exclusively through the purchase of Silver plans. The income amounts specified are for single individuals, with variations for different household sizes.

Data filtered by:Results filtered by:
Age:
Age:40
Annual Income:
Annual Income:$14,580 to $21,870 per year
Anthem (BCBS)Monthly Cost$412Maximum Out-of-Pocket$790PlanAnthem Silver Blue Value 6500
Anthem (BCBS)Monthly Cost$414Maximum Out-of-Pocket$1,800PlanAnthem Silver Blue Value 5900/40% Standard
Anthem (BCBS)Monthly Cost$418Maximum Out-of-Pocket$800PlanAnthem Silver Blue Value 5500
Anthem (BCBS)Monthly Cost$422Maximum Out-of-Pocket$750PlanAnthem Silver Blue Value 4500
OscarMonthly Cost$434Maximum Out-of-Pocket$1,550PlanSilver Simple PCP Saver
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WHAT IS A COST-SHARING REDUCTION?

Cost-sharing reductions (CSRs) are discounts that lower the amount you pay for deductibles, copayments and co-insurance on Silver health insurance plans. To qualify, your income must be between 100% and 250% of the Federal Poverty Level.

For example, the Anthem Silver Blue Value 6500 plan for a 40-year-old offers different MOOPs based on CSR levels. With a 73% AV Level Silver Plan, the MOOP is $7,250, whereas a 94% AV Level Silver Plan reduces it significantly to $790.

Cheapest Health Insurance in Georgia by Plan Type

In Georgia, Health Maintenance Organization (HMO) plans are the most popular plan type among residents. The most affordable HMO option available is Anthem Silver Blue Value 6500 from Anthem (BCBS) at $412 per month.

  • HMO: Anthem Silver Blue Value 6500 from Anthem (BCBS) ($412 per month)
  • PPO: SoloCare PPO Standard Silver from Alliant ($487 per month)

While HMOs offer affordability and coordinated care through a primary care physician, Preferred Provider Organizations (PPOs) provide more flexibility by allowing coverage for services both in and out of network without the need for a referral. These plan types cater to different health care needs and preferences of individuals in Georgia.

Data filtered by:Results filtered by:
Age:
Age:40
Plan Type:
Plan Type:HMO
Anthem (BCBS)Monthly Cost$412Maximum Out-of-Pocket$8,450PlanAnthem Silver Blue Value 6500
Anthem (BCBS)Monthly Cost$414Maximum Out-of-Pocket$9,100PlanAnthem Silver Blue Value 5900/40% Standard
Anthem (BCBS)Monthly Cost$418Maximum Out-of-Pocket$8,600PlanAnthem Silver Blue Value 5500
Anthem (BCBS)Monthly Cost$422Maximum Out-of-Pocket$8,800PlanAnthem Silver Blue Value 4500
OscarMonthly Cost$434Maximum Out-of-Pocket$8,900PlanSilver Simple PCP Saver
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WHAT'S THE DIFFERENCE BETWEEN PLAN TYPES?

In Georgia, the most common plan type is Health Maintenance Organization (HMO). Preferred Provider Organization (PPO) plans are also available. Here's a comparison of the plan types:

  • Health Maintenance Organization (HMO): HMO plans generally offer lower premiums and out-of-pocket costs. They require choosing a primary care physician (PCP), which provides coordinated and streamlined care. But with an HMO, you must stay within the plan's network of providers to get coverage, except for emergencies. Obtaining a referral from your PCP is typically required to see a specialist, which can be a hassle for some people.

  • Preferred Provider Organization (PPO): PPO plans offer more flexibility and allow you to see providers outside of the network, although seeing in-network doctors will save you more. No referrals are needed to see specialists. But these plans tend to come with higher premiums and costs when utilizing out-of-network services. Due to the increased flexibility, there is potentially less coordination of care compared with an HMO.

Both plan types are designed to meet different needs and preferences when it comes to cost, flexibility and the way health care services are accessed and coordinated.

Cheapest Health Insurance in Georgia by County

The availability and price of health insurance plans vary considerably by county. The most affordable plans in the biggest and smallest counties in Georgia are:

  • Fulton: Silver Simple PCP Saver from Oscar ($476 per month)
  • Taliaferro: Standard Silver from Ambetter ($469 per month)

The table below offers a complete summary of plans offered in all counties in Georgia, helping you to locate the appropriate coverage for your area.

Data filtered by:Results filtered by:
County:
County:Harris
AmbetterMonthly Cost$472Maximum Out-of-Pocket$9,100PlanStandard Silver
OscarMonthly Cost$473Maximum Out-of-Pocket$8,900PlanSilver Simple PCP Saver

Health Insurance Costs in Georgia by Age and Metal Tier

In Georgia, age majorly affects how much people pay for health insurance within metal tiers. For example, an 18-year-old with a Silver plan pays $377 monthly, while a 60-year-old pays $1,119 for that same type of plan. The cost for a 60-year-old is significantly higher by $742 compared with an 18-year-old.

When comparing metal tiers for a 40-year-old in Georgia, a Bronze plan costs $428, and a Gold plan costs $561 per month. The Gold plan is $133 more expensive per month than the Bronze plan, reflecting its higher level of coverage and benefits.

The following illustration shows how health insurance costs within the same metal level are usually higher for older people.

Health Insurance Costs in Georgia by Age and Metal Tier

What to Know About Health Insurance in Georgia

Georgia has many health insurance options, including private insurance in the marketplace with different metal levels like Bronze, Silver, Gold and Platinum. Medicaid and Medicare are also available. MoneyGeek reviewed these options so you can make effective health care decisions.

Private Health Insurance in the Georgia Marketplace

In Georgia, the open enrollment period typically runs from November 1st through December 15th each year. During this time, you can shop for private health insurance coverage through the Health Insurance Marketplace. This is an opportunity to compare plans, check if you qualify for subsidies and enroll in a new plan or renew existing coverage. If you miss the December 15th deadline, you might not be able to get coverage unless you qualify for a Special Enrollment Period (SEP) due to life events like marriage, birth of a child or loss of other coverage. SEPs allow enrollment outside the standard open enrollment period.

Medicaid in Georgia

Medicaid is a joint federal and state program providing health care assistance to eligible low-income families, pregnant women, elderly adults and people with disabilities. In Georgia, eligibility is based on income, family size and specific criteria such as being pregnant, a parent or caretaker of a child, elderly or having a disability. Children may qualify for the Children's Health Insurance Program (CHIP) if their family income is too high for Medicaid. The Affordable Care Act expanded Medicaid eligibility, but Georgia has not adopted the expansion as of my knowledge cutoff in 2023, so the state's eligibility requirements remain more limited compared with expansion states.

Medicare in Georgia

Medicare is a federal health care program primarily for individuals who are 65 or older, certain younger people with disabilities and people with End-Stage Renal Disease. In Georgia, eligibility follows these federal guidelines. Medicare Part A (Hospital Insurance) covers inpatient hospital stays and some home health care services. Part B (Medical Insurance) handles outpatient care, medical supplies and preventive services. Part C (Medicare Advantage Plans) offers an alternative to Original Medicare with varying benefits and often includes prescription drug coverage. Part D provides prescription drug coverage. There are also Medicare Supplement Plans (Medigap) which help cover costs not fully paid by Original Medicare.

MoneyGeek evaluated the best Medicare Advantage plans in Georgia and the best Medicare Supplement plans in Georgia.

Georgia Health Insurance FAQ

As you search for health insurance plans, you might wonder about prices and options. MoneyGeek answered common questions about low-cost private health insurance in Georgia to help you understand more.

What are the cheapest Silver and Gold plans in Georgia for 2024?
What are the downsides of a cheap health insurance plan?

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick has analyzed the property and casualty insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. Currently, he leads P&C insurance content production at MoneyGeek. Fitzpatrick has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.

Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.


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