Cheapest Health Insurance in Georgia (2026)

Oscar, Kaiser Foundation and Ambetter offer the cheapest health insurance plans in Georgia on average for the 2026 plan year, based on rates for a 40-year-old.

Find affordable health insurance in Georgia below.

Written by Mark Fitzpatrick

Updated: October 8, 2026

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Key Takeaways

Oscar provides the lowest average health insurance rates in Georgia across all plans, with average monthly premiums of $746 for a 40-year-old, $113 per month below the $859 state average.

Alliant Health Plans provides the most affordable coverage for 40-year-olds at the Bronze, Silver and Platinum metal tiers (levels set by how much of your care costs the plan pays), though Oscar is cheaper at Gold, and Oscar, Kaiser Foundation and other providers have lower averages across all plans than Alliant or CareSource.

Enhanced ARP (American Rescue Plan) subsidies expired December 31, 2025. Single adults earning above 400% of the federal poverty level no longer qualify for federal premium tax credits (income-based premium subsidies). Check your subsidy eligibility at Georgia Access (georgiaaccess.gov), the state's marketplace, before comparing base premiums, since the credit takes the same dollar amount off any metal-tier plan.

Most Affordable Health Insurance Companies in Georgia

The cheapest health insurance policies in Georgia, on average across all plans, come from Oscar, Kaiser Foundation, Ambetter and Anthem. Oscar doesn't offer the most affordable plans at every tier, as Alliant Health Plans prices lower on Bronze, Silver and Platinum. Oscar wins on Gold. Alliant still ranks fifth overall because its all-plan average reflects its Gold rates and how many plans it sells at each tier.

Alliant's Bronze plans average $487, Georgia's lowest Bronze premium, while Oscar Gold averages $696 monthly with a $1,500 deductible (what you pay for covered care each year before the plan shares costs), compared with $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 for a 40-year-old. We calculate average monthly savings by subtracting each provider's average from the from the statewide average monthly rate of $859. That figure averages every plan in our Georgia data for a 40-year-old, so carriers selling more plans carry more weight. A negative figure means the provider costs more. 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. Cigna and UnitedHealthcare are both exiting Georgia's marketplace for 2027, so their current members need to choose a new insurer during open enrollment for 2027 coverage.

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

pros
- Gold plans average $696 a month for a 40-year-old, alongside Bronze plans and the low-income plan options Georgia Access offers
- All Bronze plans qualify for HSAs (health savings accounts) too
- Gold's average deductible is $1,500, compared with $4,221 across all Oscar plans
cons
- Every plan here is HMO-only (health maintenance organization), so care stays in-network only, except emergencies
- Bronze's out-of-pocket limit (MOOP, the most you'd pay for covered in-network care in a year) climbs as high as $10,100
Oscar's $746 average monthly premium is $113 below the state average. Oscar sells only HMO plans and includes virtual care access at no extra cost. Its Gold plans average a $1,500 deductible, compared with $4,221 across all Oscar plans, at an average premium of $696 a month.
If you have an established relationship with a specialist or hospital system outside Oscar's Georgia network, you'd pay the full out-of-network cost at every visit. Check Oscar's provider directory at georgiaaccess.gov before enrolling. If your doctors aren't listed, Alliant Health Plans' PPO (preferred provider organization) plan covers out-of-network providers at higher cost-sharing (the share of each bill you pay).

Oscar provides no coverage outside its Georgia network. A medical event in another city is covered only in an emergency. Kaiser Foundation at $771 monthly and Ambetter at $779 also sell HMO plans, so the same emergency-only rule applies outside their networks.

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

pros
- Second cheapest Georgia carrier at $771 monthly, $88 below the state average of $859
- 5/5 star CMS quality rating for 2026
cons
- No coverage outside Kaiser's provider network except emergencies
- $25 more per month than Oscar at $746 monthly, while Alliant Health Plans' PPO covers the out-of-network care Kaiser doesn't
Kaiser Foundation, Kaiser Permanente's health plan in Georgia, ranks second in MoneyGeek's Georgia rate analysis at $771 monthly, $25 more than Oscar and $88 below the state average. Its 4.8/5 affordability score is higher than Oscar's 4.2/5 even though Oscar's average premium is $25 lower. Kaiser is worth the $25 monthly premium over Oscar for members without established specialist relationships outside Kaiser's network. When you need a referral or a prescription renewal, Kaiser makes both the care and the coverage decision within one system.

Kaiser Foundation holds a 5/5 star CMS quality rating for 2026, the highest score possible. That rating covers plan quality and member experience across Kaiser's Georgia network.
Kaiser provides no reimbursement for care outside its network except in emergencies. If you have an established specialist at a non-Kaiser hospital or practice, Kaiser coverage does not apply to those visits.

For members who need out-of-network access, Alliant Health Plans' PPO is the right alternative to Kaiser. It covers out-of-network providers at higher cost-sharing.

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 the plan's negotiated rate for care until you reach it, except for preventive services and any care the plan covers before the deductible. Alliant's Platinum plans average $837, $350 more per month than its Bronze plans, and cut the average deductible to $500.


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 Gold costs $2,506 more a year in premiums than Alliant Bronze, but its deductible is $5,575 lower. If you count only premiums and deductible spending, the two plans cost the same at $4,006 in annual care. Once the full Bronze deductible is spent, those totals are $9,856 for Oscar Gold and $12,925 for Alliant Bronze. At each plan's out-of-pocket maximum, Alliant Bronze totals $16,000 a year and Oscar Gold $16,706.

Compare Cheap Georgia Health Insurance Plans

The lowest-cost options in Georgia for an 18-year-old buying a Silver HMO come from Alliant, starting at $383 a month.

Data filtered by:


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

*Rates are for the age selected in the filters. Your rate depends on your county.

Alliant's $383 plan is $69 less than Oscar's cheapest, the $452 Silver Simple Saver. But Alliant's $6,500 deductible is $750 higher than the Silver Simple Saver's $5,750. The $828 in annual premium savings is larger than that $750 deductible difference.

Oscar's Silver Simple Diabetes, Women's Health and Breathe Easy plans each carry a $0 copay for condition-specific visits. For an 18-year-old, Silver Simple Diabetes costs $454 a month, compared with $383 for Alliant's cheapest Silver HMO, with the same $6,500 deductible.

How to Find the Cheapest Health Insurance in Georgia

Georgia's plan costs depend on six variables, and one changes what eligible households pay regardless of carrier: subsidy eligibility. The federal premium tax credit takes the same dollar amount off any metal-tier plan you pick.

1
Choose a Plan Type Within Your Budget
Georgia's cheapest Silver plans for a 40-year-old average $622 monthly at Alliant, and the highest carrier average across all plans is $1,163 at UnitedHealthcare. A Bronze plan saves you money if you go a full year without hitting your deductible. At Alliant, Silver costs $1,610 more a year than Bronze, based on the table's annual rates, and its deductible is $1,222 lower.
2
Check If You Qualify for Subsidies
Federal premium tax credits go to Georgia households earning 100% to 400% of the Federal Poverty Level. The credit caps what you pay toward the benchmark Silver plan (the second-lowest-cost Silver plan in your area) at a share of income that rises with income. 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 400% of the Federal Poverty Level no longer qualify for federal premium tax credits. Georgians at or near that income should run new quotes for 2026 before assuming their prior-year subsidy still applies.
Check your after-credit rate at georgiaaccess.gov before comparing base Silver premiums like Alliant's $622 Silver average.
3
Check Medicare and Medicaid Options if You Qualify
Georgia has not adopted full Medicaid expansion. Working-age adults with incomes up to the federal poverty level can 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. Once Medicare Part A starts, they can't get premium tax credits for marketplace coverage.
4
Verify Prescription Coverage
All Georgia marketplace plans list their drug formularies on Georgia Access at georgiaaccess.gov and on individual carrier websites. Specialty drugs and brand-name medications vary widely across carriers. If you take a prescription regularly, check each plan's formulary for it, including common maintenance medications like metformin, lisinopril and atorvastatin, before enrolling.
5
Shop During Open Enrollment Period
The Open Enrollment window ran from November 1 through January 15 for 2026 coverage. For 2027 coverage, Georgia Access open enrollment opens November 1, 2026, and closes January 15, 2027. Enroll by December 15, 2026, for coverage that starts January 1. You qualify for Special Enrollment after major life events, including losing job-based coverage, a divorce that ends your coverage or adding a family member.
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 has the lowest average price across all plans. Kaiser Foundation offers an integrated care model (one organization provides both your insurance and your care) at $25 more per month. Alliant Health Plans is the cheapest at three of the four metal tiers despite ranking fifth overall, and sells PPO plans. The right choice depends on how much care you use and where you live in Georgia.


Oscar	Want the lowest overall rate. Gold plans average a $1,500 deductible, compared with $4,221 across all Oscar plans.	Your doctors aren't in Oscar's HMO network, Alliant's PPO plan covers out-of-network providers
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 covers out-of-network providers
Ambetter	Want marketplace coverage at near-Oscar pricing, third-cheapest at $80 below the state average	You want the lowest average rate, 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, since Alliant sells PPO plans
Alliant Health Plans	Georgia's lowest Bronze ($487), Silver ($622) or Platinum ($837) rates, plus the cheapest 18-year-old Silver HMO at $383 monthly	Annual care costs exceed $4,006, Oscar Gold at $696 monthly carries a $1,500 deductible, compared with $7,075 on Alliant Bronze, though Alliant Bronze costs less at the out-of-pocket maximum ($16,000 compared with $16,706 a year)
CareSource	Your doctors are in CareSource's network but not in a cheaper carrier's	Your doctors are also in Oscar's or Kaiser Foundation's network, since 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 can compare six or more carriers before choosing.

A resident in rural south Georgia can 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.

Cheap Georgia Health Insurance: FAQ

Oscar is the most affordable health insurance in Georgia on average, with plans averaging $746 monthly for 40-year-olds across all metal tiers. Alliant Health Plans is cheapest at the Bronze, Silver and Platinum tiers.

An HMO plan covers care only from doctors and hospitals in its network. You pay the full cost for out-of-network visits except in emergencies. Oscar, Georgia's cheapest carrier on average, sells only HMO plans. Confirm your current providers appear in Oscar's network directory at your ZIP code before enrolling.

Cheap health insurance in Georgia carries average deductibles of $5,853 on Alliant Silver plans and $7,075 on Alliant Bronze plans for a 40-year-old. Average out-of-pocket maximums on those plans are $9,244 and $10,150. Oscar's HMO plans cover only in-network providers outside emergencies, so doctors outside Oscar's network aren't covered.

Georgia residents qualify for federal premium tax credits if household income falls between 100% and 400% of the Federal Poverty Level. Apply through Georgia Access at georgiaaccess.gov to check eligibility based on your projected income and household size.

You can enroll in Georgia health insurance during Open Enrollment. For 2027 coverage, it opens November 1, 2026, and closes January 15, 2027, and you must enroll by December 15, 2026, for coverage that starts January 1. You qualify for Special Enrollment if you experience a qualifying life event like losing job-based coverage, marriage or having a baby.

$450 monthly is below Georgia's average Silver rates for 40-year-olds, with Alliant's Silver plans averaging $622. Across all plans, Oscar averages $746 monthly and Ambetter $779. Alliant Health Plans' Bronze plans average $487 monthly. Age and metal tier shift your cost. Compare at least three insurers where available.

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 that age provides a clear comparison.

The MoneyGeek Rating on each provider card combines three sub-scores on a 5-point scale. Affordability counts for 60% of the rating, deductible for 20% and out-of-pocket maximum for 20%. Sub-scores don't mirror the table averages exactly, so use the tables to compare premiums, deductibles and out-of-pocket maximums.

Age-specific rankings use their respective premium costs. Lower-premium metal tiers come with higher deductibles and out-of-pocket maximums, which increase your costs when you use care.

About Mark Fitzpatrick

Mark Fitzpatrick is a licensed Property and Casualty (P&C) Insurance Producer and MoneyGeek's resident expert in insurance and economics. In nearly a decade covering the insurance market at LendingTree and MoneyGeek, he's analyzed hundreds of carriers and millions of rates across auto, home, renters, health and life insurance.

His work has appeared in The Washington Post, The New York Times and NPR. He draws on independent cost and consumer experience data, and no insurance company partnerships affect his recommendations.

Mark studied at Boston College and later earned a master's in economics and international relations from Johns Hopkins University. He worked in financial risk management at State Street before joining MoneyGeek. He's also a five-time “Jeopardy!” champion.

Read Full Bio »

Sources

HealthCare.gov. "Welcome to the Health Insurance Marketplace." Accessed October 14, 2026.
Georgia Access. "Health Insurance for Georgia." Accessed October 14, 2026.

Cheapest Health Insurance in Georgia (2026)

Most Affordable Health Insurance Companies in Georgia

Oscar

Kaiser Permanente

Cheapest Georgia Health Insurance by Metal Level

Compare Cheap Georgia Health Insurance Plans

How to Find the Cheapest Health Insurance in Georgia

Which Georgia Health Insurance Carrier Is Right for You?

Cheap Georgia Health Insurance: FAQ

What's the cheapest health insurance in Georgia?

What is an HMO plan and what does it mean for Georgia shoppers?

What are the downsides of a cheap health insurance plan?

Do I qualify for subsidies on health insurance in Georgia?

When can I enroll in health insurance in Georgia?

Is $450 a month a lot for health insurance in Georgia?

How We Decided the Cheapest Health Insurance Companies in Georgia

Related Pages

About Mark Fitzpatrick