Best Health Insurance Companies in Georgia in 2026
Kaiser has great health insurance in Atlanta, and Alliant is a good choice for the rest of Georgia.
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- Affordable rates and helpful plans make Kaiser Permanente Georgia’s best health insurance company overall, though it’s only found in and around Atlanta.
- Silver plans on the Georgia Access marketplace cost an average of $648 a month.
- You can shop for health insurance on Georgia Access, on your own or with a broker.
Best health insurance companies in Georgia
Kaiser Permanente’s affordable rates and outstanding ratings make it Georgia’s best health insurance company.
Alliant Health Plans offers the most affordable health insurance outside of the Atlanta area, while CareSource has the best coverage features.
It’s good to compare health insurance plans and quotes from a few companies to find the best options for you and your family.
Best overall: Kaiser Permanente
Average rate: $599 a month
Why we chose it: Kaiser’s plans consistently earn the highest quality ratings from CMS. Kaiser also has the Atlanta area’s cheapest Bronze and Silver plans.
Who it’s best for: Most Atlanta-area residents. In addition to its widely available plans for employee groups, Kaiser offers affordable plans for individuals and families in more than a dozen Atlanta-area counties.
These consistently get high ratings from the Centers for Medicare & Medicaid Services (CMS) for things like member experience and availability of care.
However, it has a bad complaint rating from the National Association of Insurance Commissioners (NAIC)
PROS
- Highest possible CMS ratings
- Cheapest Bronze and Silver plans in the Atlanta area
- Variety of low- and high-deductible plans to choose from
CONS
- Only available in the Greater Atlanta area
- Worse-than-average complaint score
Best health insurance rates: Alliant Health Plans
Average rate: $534 a month (HMO rates)
Why we chose it: Alliant has Georgia’s cheapest health insurance rates for Silver plans. It’s not available in the Atlanta area, but it’s widely available elsewhere.
Who it’s best for: Budget-conscious shoppers. You can usually get a cheap rate from Alliant if it’s in your area. The company offers HMO
Unfortunately, Alliant has a worse NAIC complaint rating than Kaiser. Make sure to keep receipts and notes from appointments handy in case a dispute comes up over a claim.
PROS
- Cheapest Silver plan rates in Georgia
- Available in close to 100 counties
- Its PPOs are cheaper, on average, than some companies’ HMOs
CONS
- Poor NAIC complaint score
- Not available in the Atlanta area
Best health plan features: CareSource
Average rate: $627 a month
Why we chose it: CareSource offers chronic care plans that are customized for clients with diabetes or heart ailments. Its Adult Vision and Fitness plans include free gym memberships.
Who it’s best for: Customers with diabetes or heart problems. CareSource chronic care plans cover certain medications and supplies at no cost. These plans cost more up front but keep your out-of-pocket costs low.
Its vision and fitness benefits, available to all customers, usually add about $5 to your monthly rate. CareSource is available in well over 100 counties, both in and outside the Atlanta area.
PROS
- Customized plans for chronic conditions
- Excellent NAIC complaint score
- Affordable vision and fitness benefits
CONS
- Other companies have cheaper rates
- CMS ratings are just average
Compare health insurance in Georgia
| Company | NAIC score | CMS score | Monthly rate* | |
|---|---|---|---|---|
| Alliant Health Plans | 3.6 | 2 | $534 | |
| Alliant Health Plans (PPO) | 3.6 | 3 | $557 | |
| Oscar | 3.4 | 2 | $574 | |
| Ambetter | 2.3 | 3 | $595 | |
| Kaiser Permanente | 1.7 | 5 | $599 | |
| CareSource | 0.4 | 2 | $627 | |
| Anthem | 0.4 | 3 | $695 | |
| Cigna | 8.5 | 2 | $821 | |
| UnitedHealthcare | 8 | 4 | $917 | |
LendingTree analyzed the state’s leading health insurance companies to find the best options for you and your family.
Our team analyzed costs for marketplace plans available on Georgia Access and ratings from reliable industry and government sources.
See our full methodology.
Average cost of health insurance in Georgia
Health insurance costs an average of $648 a month in Georgia for 30-year-olds with a Silver plan.
Most plans are offered in tiers named after metals. Gold and Platinum plans cost more than Silver plans, while Bronze plans are cheaper. Regardless of metal tier, the price you pay for health insurance usually goes up as you age.
Georgia health insurance rates by plan tier
| Plan tier | Average monthly rate* |
|---|---|
| Platinum | $718 |
| Gold | $686 |
| Silver | $648 |
| Bronze | $518 |
Your monthly rate isn’t the only factor that affects the amount you pay for healthcare in a given year. You also have to consider your out-of-pocket costs for doctor visits, lab tests and other services. Make sure to take these factors into account:
- Deductibles: This is the amount you pay before your health insurance company starts contributing to your medical costs.
- Coinsurance: This is the percentage of costs you pay after you meet your deductible. With 40% coinsurance, your provider covers 60% of costs above your deductible.
- Copayments: Some plans only require a flat fee for certain doctor visits and drug refills. This can help keep your costs for routine care affordable. Copayments usually don’t count toward your deductible.
- Maximum out-of-pocket: This is the most you have to spend on eligible expenses in a given year. Your insurance company covers the rest.
Plans with higher deductibles and coinsurance are usually the cheapest. If you need frequent care, a more expensive plan may save you money by reducing your out-of-pocket costs.
Which health insurance plan tier should I choose?
The right health plan tier for you mostly depends on your medical needs.
- A Bronze plan is a good choice if you usually only need a checkup and basic screenings each year. You’ll have to pay more of your own money if you have a major injury or illness. Some companies offer Expanded Bronze plans, which lower your out-of-pocket costs for some services.
- Silver plans balance affordable monthly rates with reasonable out-of-pocket costs. These are good if you usually visit doctors and get other care a few times a year.
- Gold and Platinum plans can be good choices if you need to visit doctors and get other care several times a year.
Catastrophic plans are another option if you’re under 30 or meet other requirements
The average deductible for Georgia Catastrophic plans is $10,600. You would have to spend this amount before your plan pays for additional care. Keep these deductibles in mind as you compare different healthcare insurers.
Georgia health insurance rates by county
Georgia health insurance rates and plans vary by county. This means the cheapest plan for you may be different from the ones your friends across the state can get.
At $522 a month, Kaiser’s Signature HMO plan with a $5,000 deductible is the cheapest Silver plan in Fulton County.
In Bibb County, the Alliant SoloCare HMO with a $6,000 deductible is the cheapest plan.
| County | Average monthly rate |
|---|---|
| Appling | $665 |
| Atkinson | $517 |
| Bacon | $534 |
| Baker | $652 |
| Baldwin | $598 |
| Banks | $581 |
| Barrow | $742 |
| Bartow | $711 |
| Ben Hill | $539 |
| Berrien | $519 |
| Bibb | $602 |
| Bleckley | $599 |
| Brantley | $534 |
| Brooks | $539 |
| Bryan | $683 |
| Bulloch | $683 |
| Burke | $683 |
| Butts | $711 |
| Calhoun | $694 |
| Camden | $534 |
| Candler | $683 |
| Carroll | $735 |
| Catoosa | $588 |
| Charlton | $534 |
| Chatham | $683 |
| Chattahoochee | $713 |
| Chattooga | $518 |
| Cherokee | $733 |
| Clarke | $742 |
| Clay | $694 |
| Clayton | $733 |
| Clinch | $519 |
| Cobb | $733 |
| Coffee | $517 |
| Colquitt | $539 |
| Columbia | $696 |
| Cook | $519 |
| Coweta | $756 |
| Crawford | $599 |
| Crisp | $642 |
| Dade | $588 |
| Dawson | $581 |
| DeKalb | $733 |
| Decatur | $547 |
| Dodge | $599 |
| Dooly | $599 |
| Dougherty | $694 |
| Douglas | $711 |
| Early | $547 |
| Echols | $519 |
| Effingham | $683 |
| Elbert | $733 |
| Emanuel | $692 |
| Evans | $683 |
| Fannin | $623 |
| Fayette | $756 |
| Floyd | $518 |
| Forsyth | $733 |
| Franklin | $556 |
| Fulton | $733 |
| Gilmer | $585 |
| Glascock | $683 |
| Glynn | $534 |
| Gordon | $518 |
| Grady | $547 |
| Greene | $715 |
| Gwinnett | $733 |
| Habersham | $581 |
| Hall | $563 |
| Hancock | $599 |
| Haralson | $693 |
| Harris | $713 |
| Hart | $556 |
| Heard | $656 |
| Henry | $756 |
| Houston | $602 |
| Irwin | $539 |
| Jackson | $715 |
| Jasper | $730 |
| Jeff Davis | $517 |
| Jefferson | $683 |
| Jenkins | $695 |
| Johnson | $521 |
| Jones | $599 |
| Lamar | $711 |
| Lanier | $519 |
| Laurens | $550 |
| Lee | $694 |
| Liberty | $683 |
| Lincoln | $696 |
| Long | $683 |
| Lowndes | $519 |
| Lumpkin | $581 |
| Macon | $742 |
| Madison | $715 |
| Marion | $713 |
| McDuffie | $696 |
| McIntosh | $534 |
| Meriwether | $713 |
| Miller | $547 |
| Mitchell | $652 |
| Monroe | $599 |
| Montgomery | $550 |
| Morgan | $715 |
| Murray | $606 |
| Muscogee | $713 |
| Newton | $756 |
| Oconee | $742 |
| Oglethorpe | $715 |
| Paulding | $711 |
| Peach | $599 |
| Pickens | $609 |
| Pierce | $534 |
| Pike | $711 |
| Polk | $542 |
| Pulaski | $599 |
| Putnam | $599 |
| Quitman | $728 |
| Rabun | $581 |
| Randolph | $694 |
| Richmond | $683 |
| Rockdale | $756 |
| Schley | $642 |
| Screven | $665 |
| Seminole | $547 |
| Spalding | $711 |
| Stephens | $556 |
| Stewart | $713 |
| Sumter | $694 |
| Talbot | $713 |
| Taliaferro | $714 |
| Tattnall | $683 |
| Taylor | $713 |
| Telfair | $517 |
| Terrell | $694 |
| Thomas | $539 |
| Tift | $519 |
| Toombs | $550 |
| Towns | $563 |
| Treutlen | $550 |
| Troup | $720 |
| Turner | $519 |
| Twiggs | $599 |
| Union | $563 |
| Upson | $713 |
| Walker | $588 |
| Walton | $753 |
| Ware | $534 |
| Warren | $696 |
| Washington | $599 |
| Wayne | $534 |
| Webster | $713 |
| Wheeler | $517 |
| White | $581 |
| Whitfield | $612 |
| Wilcox | $599 |
| Wilkes | $714 |
| Wilkinson | $598 |
| Worth | $652 |
What to know about Georgia’s health insurance
Most Georgia health insurance companies only offer HMOs to individuals and families. These usually only cover providers in your insurance company’s network, except in emergencies.
Alliant is one of the few companies with individual and family PPO plans. PPOs usually cover some of the costs from nonnetwork providers. However, you normally pay more out of pocket for nonnetwork care. PPOs also cost more than HMOs.
You can check to see which doctors are available in a plan’s network before you sign up for it.
How to choose a marketplace health insurance plan
The Georgia Access website is a good place to start your search for health insurance. The state’s online health insurance exchange helps you compare plans and apply for financial aid.
Plans sold through Georgia Access comply with the Affordable Care Act (ACA). This means they cover essential health benefits
Most companies on the exchange also offer ACA-compliant health plans off the exchange. You can shop off the exchange by visiting insurance company websites or working with a health insurance broker.
Plans that don’t comply with ACA requirements are also available off the exchange. These include short-term health insurance
Financial aid for marketplace health insurance
Georgia Access can help you sign up for financial assistance for marketplace plans. These programs include:
- Premium tax credits: These help lower your monthly payments. You can use them for a plan in any metal tier.
- Cost-sharing reductions: These lower your deductibles, coinsurance and copayments for Silver plans. This reduces your out-of-pocket costs for doctor visits and other care.
You have to meet certain income requirements to qualify for these programs, which are only available for plans on Georgia Access.
The income limits for premium tax credits start at $63,840 for individuals in 2026, with higher limits for larger households. Cost-sharing reductions have lower limits.
Georgia programs for low-income health insurance
Other health insurance programs are available for low-income families and individuals.
Medicaid is among the better-known health insurance programs for low-income Georgia residents. It may be available to people who earn less than the federal poverty level and are:
- 18 or younger, or 65 or older
- Disabled or blind
- In need of assisted living
- Thinking they may be pregnant
Georgia’s Pathways to Coverage program offers health insurance to adults who don’t qualify for Medicaid. You have to be under 65 and spend at least 80 hours a month on a qualifying activity. These include:
- A part- or full-time job
- On-the-job or vocational training
- Community service
PeachCare for Kids is the Children’s Health Insurance Program (CHIP) in Georgia. The program provides healthcare to children in income-eligible families for little or no cost.
How LendingTree helps you find the right health insurance
Shopping for health insurance isn’t always straightforward — especially when availability and pricing can vary widely. LendingTree makes it easier by helping you explore options from multiple insurers so you can find coverage that fits your needs and budget.
How it works
Tell us about your home
Answer a few quick questions about you and your family.
Compare options from insurers
See rates and other coverage details for healthcare providers in your area.
Choose the right policy
Review your options and pick the plan that fits your needs and budget.
Frequently asked questions
No, health insurance is not required by law in Georgia. The federal tax penalty for not having health insurance was eliminated in 2019.
Yes. Plans that comply with the Affordable Care Act have to provide health insurance to diabetics. These plans can’t deny coverage for a preexisting condition or charge you more for having one. ACA-compliant plans are available through Georgia Access and directly from insurance companies.
Anyone can sign up for health insurance or change plans during open enrollment, which runs Nov. 1 to Jan. 15. You can get a health plan at other times of the year after certain life events, such as the birth of a child, a change in marital status or losing other coverage.
Short-term insurance and health-sharing plans often have more flexible sign-up periods, although these plans usually don’t meet all the requirements of the Affordable Care Act.
Methodology
How we selected the best health insurance companies in Georgia
LendingTree evaluated companies with marketplace plans on key factors to identify the best ones for you.
Rates
Rates are obtained from public filings available on Georgia Access, the state health insurance exchange. To compare prices, we use Silver plan rates for a 30-year-old. Your actual cost may vary based on age, location, income, tobacco use, household size and the plan you choose.
Complaint ratings
Complaint ratings are from the National Association of Insurance Commissioners (NAIC) 2025 complaint index for individual accident and health plans. The average rating is 1.0. A 2.0 rating means a company has twice as many confirmed complaints as average for its size. A 0.5 rating means half as many. A complaint is confirmed if it leads to a finding of fault.
CMS scores
Centers for Medicare & Medicaid Services (CMS) scores show a plan’s overall quality rating. The agency rates plans on a 5-point scale, with 5 being the best score. A plan’s overall rating is based on factors like how easy it is to get care, how well a plan is run and customer feedback.
Most companies with marketplace plans offer similar coverage options off the exchange. You can shop off the exchange by visiting company websites or with help from a health insurance broker. Brokers can usually show you options from a few different companies to help you compare plans.
See our full editorial guidelines for further details.