2022 Affordable Health Insurance Plans in Georgia

Georgia’s healthcare marketplace can be complicated to navigate, as each county supports different health insurance plans. Georgia residents can complete their health insurance enrollment through the www.healthcare.gov website. 

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How to Buy Health Insurance in 2022

If you do not receive health insurance benefits through your employer or the federal government, you can access the certified partner enrollment sites via www.healthcare.gov. Georgia is planning to host its own healthcare coverage online marketplace, the Georgia Access Model, will be available in 2023. 

Insurance is provided at three different options with varying costs and options. These tiers are referred to as Bronze, Silver, and Gold. For some low-income residents, health insurance may be available through Medicaid. Georgia also offers catastrophic insurance plans through the federal health exchange. 

How to Apply for Health Insurance in Georgia

Enrollment is simple and can be done through the federal marketplace, www.healthcare.gov. Demographic information is important to Georgia residents, as not all insurance partners are available in all counties. 

Health Insurance Carriers In Georgia

Currently, Georgia has the following health insurance carriers available to individuals:

  • Aetna
  • Alliant
  • Ambetter from Peach State Health Care Plan (Centene)
  • Blue Cross Blue Shield of Georgia
  • Bright Health
  • CareSource
  • Cigna
  • Friday Health Plans
  • Kaiser
  • Oscar
  • UnitedHealthcare

Georgia Health Insurance Costs Overview

Georgia offers three tiers of health insurance – Bronze, Silver, and Gold.

How Much Does Health Insurance Cost in Georgia?

According to the KFF, the average monthly health insurance benchmark premium in Georgia is $394 a month for 2022. 

What is the Cheapest Health Insurance Plan in Georgia?

Depending on your health, the cheapest health insurance plan will be the one that covers what you need the most. Contact us to find the best plan for you! 

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Cheapest Georgia Health Insurance Coverage by Metal Tier

Note that all costs are 2022 pricing from KFF. (source)

Gold Plans

The average lowest cost premium of a Gold Plan in Georgia in 2022 was $403. 

Silver Plans

The average lowest cost premium of a Silver Plan in Georgia in 2022 was $392.

Bronze Plans

For a Bronze plan, the average lowest premium in 2022 was $304

Other Types of Georgia Health Insurance Coverage

Catastrophic Health Insurance in Georgia

Catastrophic health insurance plans are available for purchase by Georgia residents through the federal exchange, www.healthcare.gov. These plans have low monthly premiums but carry high deductibles. They are intended for use during dire circumstances and are an affordable option to protect yourself financially from unexpected serious injury or illness. These plans are generally only available to qualifying individuals under the age of thirty. 

Short Term Health Insurance in Georgia

There are no state-specific regulations on short-term health insurance in Georgia. The short-term plan duration can be up to 364 days. 

Low Income Health Insurance in Georgia

Low-income Georgia residents can apply for Medicaid.

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Sources: 

Marketplace Average Benchmark Premiums, KFF, accessed 08/16/2022, https://www.kff.org/health-reform/state-indicator/marketplace-average-benchmark-premiums/?currentTimeframe=0&sortModel=%7B%22colId%22:%22Location%22,%22sort%22:%22asc%22%7D 

Average Marketplace Premiums by Metal Tier, 2018-2022, KFF, accessed 08/16/2022, https://www.kff.org/health-reform/state-indicator/average-marketplace-premiums-by-metal-tier/?currentTimeframe=0&sortModel=%7B%22colId%22:%22Average%20Lowest-Cost%20Bronze%20Premium__2022%22,%22sort%22:%22desc%22%7D