Cheapest (and Best) Health Insurance in Atlanta, GA (2024)

Location, along with age, plan type, health care needs and the number of people in your plan, have an impact on the cost of your health insurance. MoneyGeek gathered and analyzed the latest Marketplace data to determine which companies offer the cheapest health insurance in Atlanta, Georgia. We also evaluated monthly costs, maximum out-of-pocket (MOOP) expenditures, plan options and claims denial rates to identify the best providers in the city.

Not all companies offer all plan types or metal tiers, so it’s best to shop around to find the right plan that is perfectly suited to your needs. There are a few occasions when only one company is available in your area. In this case, study the provider’s offerings and choose the plan or tier that’s best for you.

To determine the best overall health insurance providers in Atlanta, MoneyGeek analyzed cost, plan options and service quality. We found that Oscar ranks first, offering Silver plans at $449 per month and with an average MOOP of $4,873. Friday Health Plans of Georgia is a close runner-up, with Silver plans costing around $454 per month and with a MOOP averaging $5,107.

When selecting a health insurance provider, affordability is important. But you must not overlook other essential factors, such as plan options and customer service. If you live elsewhere in the state, you’ll still benefit from studying our recommendations to help you find the best health insurance in Georgia on a statewide basis.

If cost is your main concern, we found that Oscar offers the best cheap health insurance in Atlanta. This provider’s Silver plans cost an average of $449 per month and have a typical MOOP cost of $4,873.

The cost of health insurance varies by state and city. Cost sharing is another factor that affects your premiums. Typically, plans with lower premiums come with higher out-of-pocket costs.

Keep in mind that the best provider might not always be the cheapest. But it’s still possible to get the most affordable health insurance by familiarizing yourself with the Marketplace system, especially the relationship between plan premiums and MOOP costs. It also helps to read up on the basics about deductibles, copays and co-insurance and how these variables affect pricing.

Cigna offers the most affordable Silver health plans in Atlanta at an average monthly premium of $430. Keep in mind that the cheapest provider or plan isn’t always the best. But if you’re concerned about cost, we recommend getting a Silver plan as a great middle-of-the-road option that gives mid-tier coverage and often comes with cost-sharing reductions.

Health insurance plans are categorized into metal tiers that differ in terms of cost and coverage. These range from Bronze, which offers the lowest premiums, to Platinum, which has the most expensive premiums. Some providers also offer Catastrophic plans, which are even cheaper than Bronze plans, but these offer very limited coverage, and you typically must be under 30 to qualify.

If you’re on a tight budget or just want the cheapest plan, be forewarned that plans with lower premiums often have higher MOOP costs, making these better suited if you’re only looking for protection against emergency medical situations, not for regular health care needs. Browse the table below to find the most affordable providers in Atlanta for each metal tier, together with their average monthly premium.

Cigna Connect 3700 is the most affordable Silver plan in Atlanta, priced at around $428 per month, with an average MOOP of $5,163. We find this Silver plan to have the ideal balance of affordable monthly premiums and low MOOP costs. Go over the table below, which shows Atlanta’s cheapest providers by metal tier, together with their respective average plan costs.

No matter where you live, your age is one of the main determinants of your health insurance cost. You’ll notice an increase in premiums as you get older and develop age-related ailments which require more frequent and more expensive medical care. Bronze or Expanded Bronze plans are almost always the most affordable. Some providers also offer Catastrophic plans that are even cheaper, but you must satisfy certain eligibility criteria.

Purchasing a lower-tiered plan might let you save on premiums. However, check first if your provider’s network includes your preferred doctors and facilities to avoid paying out-of-pocket for out-of-network services. Browse the chart below to find some of the cheapest providers for Silver plans in Atlanta.

Your health insurance costs are largely determined by your age and the metal plan that you choose. Rates are typically more expensive for older people. Similarly, higher metal-tiered plans are more expensive because they offer broader coverage. Look at the graph below to get an idea of how costs change by age and metal tier.

We recommend exploring financial assistance programs to make your health insurance more affordable. You might qualify for subsidies if your income falls between 100% and 400% of the FPL. In 2022, the American Rescue Plan and the Inflation Reduction Act granted wider access by suspending the 400% limit until 2025, so this is worth checking out.

Even if you don't qualify for income-based subsidies, you might still be eligible for Medicare or Medicaid. Note that you may even be eligible for both at the same time. Only those who are 65 and over can qualify for Medicare. To be eligible for Medicaid or the Children’s Health Insurance Program (CHIP), your income must be between 100% and 150% of the FPL.

Here are MoneyGeek’s answers to some of the most commonly asked questions about health insurance in Atlanta to jumpstart your search.