Best Cheap Health Insurance in Georgia 2019

Find the Cheapest Health Insurance Quotes in Your Area

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The state exchange provides access to cheap health insurance plans in Georgia, or you may qualify for Medicaid depending on your household income. To help you get started in your search for the best health plan, we analyzed all Silver plans in Georgia and found that, in the majority of counties, the cheapest policy was either the BCBSHP Silver Pathway X HMO 6000, Ambetter Balanced Care 4 or SoloCare Silver PPO 40017. However, in all but 14 counties, there is only a single insurer available on the marketplace, so your policy options may be limited to deciding among tiers of coverage.

Cheapest Health Insurance by Metal Tier

We compared all health plans on the Georgia marketplace and identified those with the cheapest rates in each metal tier to help you determine the best policy for a given level of coverage. None of the insurers on the Georgia health insurance exchange are available in every county, so you may not have the option to choose from the policies listed below. But we recommend using them as a comparison point when reviewing the benefits, out-of-pocket costs and monthly rates of health plans.

Metal TierCheapest PlanDeductibleOut-of-Pocket MaximumMonthly Cost for a 40-Year-Old
CatastrophicBCBSHP Catastrophic Pathway X Guided Access HMO 7350$7,350$7,350$276.37
BronzeAmbetter Essential Care 1$6,800$6,800$331.79
SilverAmbetter Balanced Care 4$7,050$7,050$372.55
GoldAmbetter Secure Care 1 with 3 Free PCP Visits$1,000$6,350$415.22
PlatinumSoloCare Platinum PPO 40023$275$4,750$656.12

As you can see above, the cost of health insurance varies significantly depending on the tier of coverage you choose. The average cost of a Bronze policy is 17% cheaper in Georgia than a Silver policy, whereas a Gold health plan would be 33% more expensive than a Silver plan for the same person.

In addition to your chosen tier of coverage, your age is one of the most significant factors in determining health insurance prices. For instance, a 40-year-old would pay 28% more per month, on average, for the same health insurance plan than a 21-year-old in Georgia. This translates to an additional $128 per month for a Silver health plan but $160 in cost for a Platinum health insurance policy.

Average Monthly Cost of Health Insurance Plans by Metal Tier in Georgia

Finding the Best Health Insurance Coverage in Georgia

The best cheap health plan in Georgia will vary depending on where you live, since this determines availability of insurers and policies. In most counties, only one insurer is offered on the state exchange and no company covers the entirety of the state. In addition, not all metal tiers of coverage are available in each county—Catastrophic and Platinum health insurance plans may not be an option in your area.

Metal TierNumber of Counties Available
Catastrophic105
Bronze159
Silver159
Gold159
Platinum24

Higher metal tier policies, such as Gold and Platinum health plans, are typically the best choice if you expect to have high or consistent medical expenses throughout the year. Though these health insurance plans have more expensive monthly rates, their out-of-pocket expenses, such as deductibles and copays, are much lower. So, if you need to use your health insurance, you'll have to pay less yourself before your policy provides coverage.

In contrast, Bronze and Catastrophic health insurance policies have the cheapest premiums, but highest cost-sharing features. For young, healthy shoppers that don't expect to use their medical coverage throughout the year, these policies will be the lowest cost. But we only recommend them if you would be able to cover the out-of-pocket costs in case of an emergency.

Silver health plans are a good middle ground if you expect to have moderate health care expenses, as they balance affordable rates and cost sharing. Silver policies are also likely to be the best cheap coverage if you have a low-income household, as these health plans qualify for cost-sharing subsidies.

Short-Term Health Insurance in Georgia

Short-term health insurance is available to purchase in Georgia. The state follows federal regulations for these types of policies, meaning they have maximum lengths of one year and can be renewed up to 36 months. Short-term health insurance can be a good option if you missed open enrollment or are currently between jobs.

The federal regulations for short-term health insurance also do not require short-term health insurance plans to cover the essential health benefits. For this reason, if you know you will require certain services like maternity care, you should carefully choose a plan before purchasing short-term health insurance.

Find the Cheapest Health Insurance Quotes in Your Area

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Best Cheap Health Insurance Companies in Georgia

There are four health insurance companies on the Georgia state exchange, but in most of the state you won't be able to choose among insurers.

Health Insurance CompanyNumber of Counties Available
Alliant Health Plans24
Ambetter of Peach State Inc.44
Blue Cross Blue Shield Healthcare Plan of Georgia Inc.85
Kaiser Foundation Health Plan of Georgia20

Of the 159 counties in Georgia, there are only 14 in which residents can choose from more than one health insurance company: Butts, Cherokee, Clayton, Cobb, Dekalb, Douglas, Fayette, Forsyth, Fulton, Gwinnett, Henry, Paulding, Spalding and Walton. Both Ambetter and Kaiser offer medical plans in these counties—though Ambetter consistently offered the cheapest Silver health plan when both insurers were available.

Cheapest Health Insurance Plan By County

The county you live in will determine which insurers and health plans are available to you on the Georgia marketplace, as well as your cost of coverage. Prices for the same plan vary by region—the BCBSHP Silver Pathway X HMO 6000 policy, for instance, would cost a 40-year-old $464 per month in Richmond County but $740 in Cook County.

To help you in your search for the best health insurance policy, we analyzed all plans on the exchange and identified the cheapest Silver plan in each county. Below, you can see the lowest cost plan alongside sample monthly rates for an individual, couple and family of three.

CountyCheapest Silver PlanSingle Adult, Age 40Couple, Age 40Couple, Age 40 and Child
ApplingBCBSHP Silver Pathway X HMO 6000$567$1,135$1,474
AtkinsonBCBSHP Silver Pathway X HMO 6000$629$1,258$1,634
BaconBCBSHP Silver Pathway X HMO 6000$639$1,278$1,661
BakerAmbetter Balanced Care 4$529$1,058$1,375
BaldwinBCBSHP Silver Pathway X HMO 6000$548$1,097$1,425
BanksSoloCare Silver PPO 40017$689$1,377$1,790
BarrowAmbetter Balanced Care 4$387$773$1,005
BartowKP GA Silver 4700/35$463$926$1,204
Ben HillBCBSHP Silver Pathway X HMO 6000$740$1,480$1,923
BerrienBCBSHP Silver Pathway X HMO 6000$740$1,480$1,923
BibbBCBSHP Silver Pathway X Guided Access HMO 6000$550$1,099$1,429
BleckleyBCBSHP Silver Pathway X HMO 6000$557$1,114$1,448
BrantleyBCBSHP Silver Pathway X HMO 6000$639$1,278$1,661
BrooksBCBSHP Silver Pathway X HMO 6000$740$1,480$1,923
BryanBCBSHP Silver Pathway X HMO 6000$567$1,135$1,474
BullochBCBSHP Silver Pathway X HMO 6000$567$1,135$1,474
BurkeBCBSHP Silver Pathway X HMO 6000$481$962$1,249
ButtsAmbetter Balanced Care 4$417$834$1,084
CalhounAmbetter Balanced Care 4$529$1,058$1,375
CamdenBCBSHP Silver Pathway X HMO 6000$639$1,278$1,661
CandlerBCBSHP Silver Pathway X HMO 6000$567$1,135$1,474
CarrollBCBSHP Silver Pathway X HMO 6000$666$1,333$1,732
CatoosaSoloCare Silver PPO 40017$587$1,173$1,524
CharltonBCBSHP Silver Pathway X HMO 6000$639$1,278$1,661
ChathamAmbetter Balanced Care 4$373$745$968
ChattahoocheeAmbetter Balanced Care 4$408$816$1,060
ChattoogaSoloCare Silver PPO 40017$633$1,266$1,645
CherokeeAmbetter Balanced Care 4$417$834$1,084
ClarkeAmbetter Balanced Care 4$387$773$1,005
ClayAmbetter Balanced Care 4$529$1,058$1,375
ClaytonAmbetter Balanced Care 4$417$834$1,084
ClinchBCBSHP Silver Pathway X HMO 6000$740$1,480$1,923
CobbAmbetter Balanced Care 4$417$834$1,084
CoffeeBCBSHP Silver Pathway X HMO 6000$629$1,258$1,634
ColquittBCBSHP Silver Pathway X HMO 6000$740$1,480$1,923
ColumbiaBCBSHP Silver Pathway X HMO 6000$481$962$1,249
CookBCBSHP Silver Pathway X HMO 6000$740$1,480$1,923
CowetaKP GA Silver 4700/35$463$926$1,204
CrawfordBCBSHP Silver Pathway X HMO 6000$557$1,114$1,448
CrispAmbetter Balanced Care 4$529$1,058$1,375
DadeSoloCare Silver PPO 40017$587$1,173$1,524
DawsonSoloCare Silver PPO 40017$689$1,377$1,790
DecaturBCBSHP Silver Pathway X HMO 6000$740$1,480$1,923
DekalbAmbetter Balanced Care 4$417$834$1,084
DodgeBCBSHP Silver Pathway X HMO 6000$557$1,114$1,448
DoolyBCBSHP Silver Pathway X HMO 6000$557$1,114$1,448
DoughertyAmbetter Balanced Care 4$529$1,058$1,375
DouglasAmbetter Balanced Care 4$417$834$1,084
EarlyBCBSHP Silver Pathway X HMO 6000$740$1,480$1,923
EcholsBCBSHP Silver Pathway X HMO 6000$740$1,480$1,923
EffinghamBCBSHP Silver Pathway X HMO 6000$567$1,135$1,474
ElbertAmbetter Balanced Care 4$387$773$1,005
EmanuelBCBSHP Silver Pathway X HMO 6000$481$962$1,249
EvansBCBSHP Silver Pathway X HMO 6000$567$1,135$1,474
FanninSoloCare Silver PPO 40017$577$1,154$1,500
FayetteAmbetter Balanced Care 4$417$834$1,084
FloydSoloCare Silver PPO 40017$633$1,266$1,645
ForsythAmbetter Balanced Care 4$417$834$1,084
FranklinSoloCare Silver PPO 40017$689$1,377$1,790
FultonAmbetter Balanced Care 4$417$834$1,084
GilmerSoloCare Silver PPO 40017$633$1,266$1,645
GlascockBCBSHP Silver Pathway X HMO 6000$481$962$1,249
GlynnBCBSHP Silver Pathway X HMO 6000$639$1,278$1,661
GordonSoloCare Silver PPO 40017$633$1,266$1,645
GradyBCBSHP Silver Pathway X HMO 6000$740$1,480$1,923
GreeneAmbetter Balanced Care 4$387$773$1,005
GwinnettAmbetter Balanced Care 4$417$834$1,084
HabershamSoloCare Silver PPO 40017$689$1,377$1,790
HallSoloCare Silver PPO 40017$689$1,377$1,790
HancockBCBSHP Silver Pathway X HMO 6000$548$1,097$1,425
HaralsonBCBSHP Silver Pathway X HMO 6000$666$1,333$1,732
HarrisAmbetter Balanced Care 4$408$816$1,060
HartSoloCare Silver PPO 40017$689$1,377$1,790
HeardBCBSHP Silver Pathway X HMO 6000$666$1,333$1,732
HenryAmbetter Balanced Care 4$417$834$1,084
HoustonBCBSHP Silver Pathway X Guided Access HMO 6000$550$1,099$1,429
IrwinBCBSHP Silver Pathway X HMO 6000$740$1,480$1,923
JacksonAmbetter Balanced Care 4$387$773$1,005
JasperBCBSHP Silver Pathway X HMO 6000$581$1,161$1,509
Jeff DavisBCBSHP Silver Pathway X HMO 6000$629$1,258$1,634
JeffersonBCBSHP Silver Pathway X HMO 6000$481$962$1,249
JenkinsBCBSHP Silver Pathway X HMO 6000$481$962$1,249
JohnsonBCBSHP Silver Pathway X HMO 6000$629$1,258$1,634
JonesBCBSHP Silver Pathway X HMO 6000$557$1,114$1,448
LamarKP GA Silver 4700/35$463$926$1,204
LanierBCBSHP Silver Pathway X HMO 6000$740$1,480$1,923
LaurensBCBSHP Silver Pathway X HMO 6000$629$1,258$1,634
LeeAmbetter Balanced Care 4$529$1,058$1,375
LibertyBCBSHP Silver Pathway X HMO 6000$567$1,135$1,474
LincolnBCBSHP Silver Pathway X HMO 6000$481$962$1,249
LongBCBSHP Silver Pathway X HMO 6000$567$1,135$1,474
LowndesBCBSHP Silver Pathway X HMO 6000$740$1,480$1,923
LumpkinSoloCare Silver PPO 40017$689$1,377$1,790
MaconAmbetter Balanced Care 4$408$816$1,060
MadisonAmbetter Balanced Care 4$387$773$1,005
MarionAmbetter Balanced Care 4$408$816$1,060
McduffieBCBSHP Silver Pathway X HMO 6000$481$962$1,249
McintoshBCBSHP Silver Pathway X HMO 6000$639$1,278$1,661
MeriwetherBCBSHP Silver Pathway X HMO 6000$561$1,122$1,458
MillerBCBSHP Silver Pathway X HMO 6000$740$1,480$1,923
MitchellAmbetter Balanced Care 4$529$1,058$1,375
MonroeBCBSHP Silver Pathway X HMO 6000$557$1,114$1,448
MontgomeryBCBSHP Silver Pathway X HMO 6000$629$1,258$1,634
MorganBCBSHP Silver Pathway X HMO 6000$536$1,071$1,392
MurraySoloCare Silver PPO 40017$577$1,154$1,500
MuscogeeAmbetter Balanced Care 4$408$816$1,060
NewtonKP GA Silver 4700/35$463$926$1,204
OconeeAmbetter Balanced Care 4$387$773$1,005
OglethorpeBCBSHP Silver Pathway X HMO 6000$536$1,071$1,392
PauldingAmbetter Balanced Care 4$417$834$1,084
PeachBCBSHP Silver Pathway X HMO 6000$557$1,114$1,448
PickensSoloCare Silver PPO 40017$633$1,266$1,645
PierceBCBSHP Silver Pathway X HMO 6000$639$1,278$1,661
PikeKP GA Silver 4700/35$463$926$1,204
PolkSoloCare Silver PPO 40017$633$1,266$1,645
PulaskiBCBSHP Silver Pathway X HMO 6000$557$1,114$1,448
PutnamBCBSHP Silver Pathway X HMO 6000$557$1,114$1,448
QuitmanAmbetter Balanced Care 4$408$816$1,060
RabunSoloCare Silver PPO 40017$689$1,377$1,790
RandolphAmbetter Balanced Care 4$529$1,058$1,375
RichmondBCBSHP Silver Pathway X Guided Access HMO 6000$464$929$1,207
RockdaleKP GA Silver 4700/35$463$926$1,204
SchleyAmbetter Balanced Care 4$529$1,058$1,375
ScrevenBCBSHP Silver Pathway X HMO 6000$567$1,135$1,474
SeminoleBCBSHP Silver Pathway X HMO 6000$740$1,480$1,923
SpaldingAmbetter Balanced Care 4$417$834$1,084
StephensSoloCare Silver PPO 40017$689$1,377$1,790
StewartAmbetter Balanced Care 4$408$816$1,060
SumterAmbetter Balanced Care 4$529$1,058$1,375
TalbotAmbetter Balanced Care 4$408$816$1,060
TaliaferroBCBSHP Silver Pathway X HMO 6000$481$962$1,249
TattnallBCBSHP Silver Pathway X HMO 6000$567$1,135$1,474
TaylorAmbetter Balanced Care 4$408$816$1,060
TelfairBCBSHP Silver Pathway X HMO 6000$629$1,258$1,634
TerrellAmbetter Balanced Care 4$529$1,058$1,375
ThomasBCBSHP Silver Pathway X HMO 6000$740$1,480$1,923
TiftBCBSHP Silver Pathway X HMO 6000$740$1,480$1,923
ToombsBCBSHP Silver Pathway X HMO 6000$629$1,258$1,634
TownsSoloCare Silver PPO 40017$689$1,377$1,790
TreutlenBCBSHP Silver Pathway X HMO 6000$629$1,258$1,634
TroupBCBSHP Silver Pathway X HMO 6000$561$1,122$1,458
TurnerBCBSHP Silver Pathway X HMO 6000$740$1,480$1,923
TwiggsBCBSHP Silver Pathway X HMO 6000$557$1,114$1,448
UnionSoloCare Silver PPO 40017$689$1,377$1,790
UpsonBCBSHP Silver Pathway X HMO 6000$561$1,122$1,458
WalkerSoloCare Silver PPO 40017$587$1,173$1,524
WaltonAmbetter Balanced Care 4$417$834$1,084
WareBCBSHP Silver Pathway X HMO 6000$639$1,278$1,661
WarrenBCBSHP Silver Pathway X HMO 6000$481$962$1,249
WashingtonBCBSHP Silver Pathway X HMO 6000$548$1,097$1,425
WayneBCBSHP Silver Pathway X HMO 6000$639$1,278$1,661
WebsterAmbetter Balanced Care 4$408$816$1,060
WheelerBCBSHP Silver Pathway X HMO 6000$629$1,258$1,634
WhiteSoloCare Silver PPO 40017$689$1,377$1,790
WhitfieldSoloCare Silver PPO 40017$577$1,154$1,500
WilcoxBCBSHP Silver Pathway X HMO 6000$557$1,114$1,448
WilkesBCBSHP Silver Pathway X HMO 6000$481$962$1,249
WilkinsonBCBSHP Silver Pathway X HMO 6000$548$1,097$1,425
WorthAmbetter Balanced Care 4$529$1,058$1,375

Average Cost of Health Insurance by Family Size in Georgia

If you're purchasing a health insurance policy to cover your family, each person covered by the plan will increase the cost of coverage based upon their age, though children will be priced at a flat rate until they reach age 15. So, for instance, a 40-year-old couple in Georgia with two children would pay $707 more per month for a Silver health plan that covers their family of four than they would pay to cover just themselves. This is because each child costs an average of $353 to add to a Silver health insurance policy.

Family SizeAverage Monthly Cost of Health Plan
Single Adult$590
Adult Couple$1,180
Family of three (Adult couple and a child)$1,533
Family of four (Adult couple and two children)$1,887
Family of five (Adult couple and three children)$2,240
Adults are assumed to be 40 years old. Sample rates are based on the average cost for a Silver plan in Georgia.

Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.