Cheapest Health Insurance in Georgia (2026)

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Updated: July 5, 2026

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Key Takeaways
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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.

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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.

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Enhanced ARP subsidies expired December 31, 2025. Single adults earning above $63,840 no longer qualify for federal premium tax credits. Check your subsidy eligibility at georgiaaccess.gov before comparing base premiums, since the eligible amount may shift which carrier and tier costs least.

Most Affordable Health Insurance Companies in Georgia

The cheapest health insurance policies in Georgia come from Oscar, Kaiser Foundation, Ambetter and Anthem. Oscar doesn't lead for most affordable plans at every tier as Alliant Health Plans prices lower on Bronze, Silver and Platinum. Oscar wins on Gold. 

Low-use members who see a doctor once or twice a year pay less total on Alliant's $487 Bronze plan. Members with regular prescriptions or specialist visits do better on Oscar Gold at $696 monthly, with a $1,500 deductible versus $7,075 on Alliant Bronze. 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, so factor in your requirements before you choose. 

Cigna is also exiting Georgia's marketplace for 2027. Enrolling in a Cigna plan for 2026 means shopping again for a new carrier during the this year's open enrollment window.

Oscar

Oscar

MoneyGeek Rating
3.8/ 5
4.2/5Affordability
3.7/5Deductible
2.5/5MOOP

  • Average Monthly Rate

    $746

  • Average MOOP

    $9,319

  • Average Deductible

    $4,221
Kaiser Permanente

Kaiser Permanente

MoneyGeek Rating
4.3/ 5
4.8/5Affordability
3.5/5Deductible
3.9/5MOOP

  • Average Monthly Rate

    $771

  • Average MOOP

    $9,163

  • Average Deductible

    $4,750

Cheapest Georgia Health Insurance by Metal Level

Alliant's $487 rate is Georgia's cheapest Bronze option, but its $7,075 deductible means you pay full price for care until you reach that floor. Platinum's $837 at Alliant decreases the deductible to $500. Two or more specialist visits per year shifts the total cost calculation toward Platinum.

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 over 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%$383HMOSilver$9,600$6,50018No
Alliant Health Plans, Inc.SoloCare Standard Silver HMO $6000 40%$427HMOSilver$8,900$6,00018No
Alliant Health Plans, Inc.SoloCare Silver HMO $6500 40%$447HMOSilver$9,600$6,50018No
OscarSilver Simple Saver HMO $5750 $10$452HMOSilver$9,900$5,75018No
OscarSilver Classic Standard HMO $6000 $40$452HMOSilver$8,900$6,00018No
OscarBuena Salud Plateado Estandar Clasico HMO $6000 $40$453HMOSilver$8,900$6,00018No
OscarSilver Simple Diabetes HMO $6500 $0$454HMOSilver$10,000$6,50018No
OscarSilver Simple Women's Health with Menopause Benefits HMO $6000 $0$455HMOSilver$10,150$6,00018No
OscarSilver Simple HMO $5000 $20$456HMOSilver$9,500$5,00018No
OscarSilver Simple Breathe Easy with Enhanced COPD Benefits HMO $6200 $0$456HMOSilver$9,600$6,20018No

Alliant's cheapest Silver HMO in this table runs $383 monthly for an 18-year-old, $69 less than Oscar's cheapest at $452. But Alliant's $6,500 deductible is $750 higher than Oscar's cheapest Silver option at $5,750. At $828 in annual premium savings, the price advantage disappears once deductible spending reaches $828.

Oscar's Silver Simple Diabetes, Women's Health and Breathe Easy plans each carry a $0 copay for condition-specific visits. For members managing diabetes, COPD or women's health needs, these plans reduce total annual care costs below a lower-premium plan without the specialty benefit.

How to Find the Cheapest Health Insurance in Georgia

Georgia's plan costs depend on six variables, and one shifts the rankings more than any carrier comparison: subsidy eligibility. A 40-year-old Georgian earning $31,920 pays $160 monthly after federal premium credits on a Silver plan with base rates of $622 to $637.

  1. 1
    Choose a Plan Type Within Your Budget

    Georgia's cheapest Silver plan for a 40-year-old is $622 monthly at Alliant and the most expensive is $1,163 at UnitedHealthcare, a $541 monthly gap for the same metal tier. A Bronze plan saves you money if you go a full year without hitting your deductible. One moderate medical event shifts the total cost calculation toward Silver for most 40-year-old profiles in MoneyGeek's Georgia data.

  2. 2
    Check 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 Georgia Access at georgiaaccess.gov. The credit applies monthly.

    The enhanced subsidies that held premiums down from 2021 through 2025 expired December 31, 2025. Single adults earning above $63,840 no longer qualify for federal premium tax credits. That shift changes which metal tier makes financial sense. Georgians at or near $63,840 in income should run new quotes for 2026 before assuming their prior-year subsidy still applies.
    At 200% of the Federal Poverty Level, a Georgian earning $31,920 annually pays no more than $160 per month toward the benchmark Silver plan after credits. That's down from base Silver rates of $622 at Alliant and $637 at Oscar. Check your after-credit rate at georgiaaccess.gov before comparing base premiums.

  3. 3
    Check Medicare and Medicaid Options if You Qualify

    Georgia has not adopted full Medicaid expansion. Working-age adults may qualify for coverage through Georgia Pathways, a limited Medicaid program that requires 80 hours per month of work, job training or community service. Check eligibility at gateway.ga.gov. Georgia residents 65 and older should compare Medicare Advantage plans and Medicare Supplement plans through Medicare.gov before enrolling in marketplace coverage.

  4. 4
    Verify Prescription Coverage

    All Georgia marketplace plans list their drug formularies on Georgia Access at georgiaaccess.gov and on individual carrier websites. Common maintenance medications like metformin, lisinopril and atorvastatin appear on most plans' lower tiers. Specialty drugs and brand-name medications vary widely across carriers. Check each plan's formulary before enrolling if you take a prescription regularly.

  5. 5
    Shop During Open Enrollment Period

    The Open Enrollment window runs November 1 through January 15 each year. You qualify for Special Enrollment after major life events including job loss, divorce or adding a family member.

  6. 6
    Verify Network Participation Before You Enroll

    Georgia insurer directories can show a provider as in-network even if that provider stopped accepting the plan during the year. Before enrolling, call your primary care physician and any current specialists to confirm they accept the plan you're considering.

    Ask whether they're in-network for the specific plan name and insurer. Being in-network for Oscar's HMO does not mean they're in-network for Ambetter's HMO, even within the same hospital system.

Which Georgia Health Insurance Carrier Is Right for You?

Oscar leads on overall price. Kaiser Foundation offers an integrated care model at $25 more per month. Alliant Health Plans leads at three of four metal tiers with the state's only PPO. The right choice depends on how much care you use and where you live in Georgia.  

The finding that surprised me most: Oscar at $746 monthly leads Georgia's overall ranking, but Alliant Health Plans tops it on three of four metal tiers. Oscar wins only on Gold. For a Georgian buying Bronze, Silver or Platinum, Alliant's rates are lower at every tier despite ranking fifth in the cheapest-overall table.

Oscar
Want the lowest overall rate; Gold plan's $1,500 deductible costs $59 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
Prefer a single organization managing both your insurance and medical care, second-cheapest at $88 below the state average
Have an existing specialist outside Kaiser's network, Alliant's PPO plan costs $646 monthly, $125 less than Kaiser
Ambetter
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
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
Georgia's lowest Bronze ($487), Silver ($622) or Platinum ($837) rates, Alliant leads every age profile including teens at $444 monthly
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
Aren't using an HSA, Oscar at $746 monthly and Kaiser Foundation at $771 monthly cost less overall

One factor the premium table doesn't show is county availability. Ambetter is the only carrier available in every Georgia county for 2026. A resident in Atlanta may compare six or more carriers before choosing.

A resident in rural south Georgia may have only one or two options before any pricing comparison applies. Check plan availability at georgiaaccess.gov by entering your ZIP code before shortlisting carriers.

Compare Insurance Rates

Make sure you're getting the best rate for your coverage. Compare quotes from the top insurance companies.

Cheap Georgia Health Insurance: FAQ

Below we address typical questions about affordable health insurance in Georgia:

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. Lower premiums come with higher deductibles and out-of-pocket maximums, which increase your costs when you use care.

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About Mark Fitzpatrick

Mark Fitzpatrick, Licensed P&C Insurance Expert, MoneyGeek

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 produces 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. No insurance company partnership influences his recommendations.

Mark holds a B.A. from Boston College and an M.A. in Economics and International Relations from Johns Hopkins University. He started his career in financial risk management at State Street and is also a five-time “Jeopardy!” champion.

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