Best Georgia Health Insurance (2024 Plans)

Ambetter earned a MoneyGeek score of 77, making it the best health insurance provider in Georgia. This provider offers plans with more affordable rates, lower out-of-pocket costs and a better-than-average rate of denying claims.

For our analysis, we looked at 80 plans in Georgia, including 74 Health Maintenance Organization (HMO) plans and six Preferred Provider Organization (PPO) plans.

Alliant has the best health insurance in Georgia for low out-of-pocket costs, with a MoneyGeek score of 83. This provider has plans with low out-of-pocket expenses and excels with its claims management record. However, its monthly premiums are not the cheapest.

In Georgia, we looked at 62 Gold HMO plans, four Platinum HMO plans, six Gold PPO plans and four Platinum PPO plans for this analysis.

Ambetter offers the best cheap health insurance in Georgia, with a MoneyGeek score of 83. The provider features more affordable plan options, has lower average out-of-pocket costs and denies fewer claims than other providers.

In Georgia, for this analysis, we looked at 74 Silver HMO plans and six Silver PPO plans, making 80 plans in total. MoneyGeek placed more weight on plans with lower monthly premiums, but remember that plans with lower monthly payments may lead to higher out-of-pocket costs when you need care.

Ambetter offers the best health insurance in Georgia for those with low income, scoring 83 out of 100. Ambetter has a low monthly rate for plans, has the lowest out-of-pocket costs and denies fewer claims than many other providers.

We looked at 66 Silver HMO plans in Georgia and six Silver PPO plans.

We picked the best low-income plan by looking at which ones had low monthly costs and cost-sharing reductions (CSRs). CSRs make it so you don't have to choose between paying less each month or more when you go to the doctor. Regular Silver plans pay for about 70% of what your health might cost, but Silver plans with CSRs can pay for more. Here's how it works for people with different incomes relative to the Federal Poverty Limit (FPL):

• If you make between $27,180 and $33,975 a year (201–250% of the FPL), you can expect coverage of about 73% of your health costs.
• If you earn $20,385 to $27,180 a year (151–200% of FPL), about 87% of your costs are covered.
• If you make less than $20,385 a year (up to 150% of FPL), about 94% of your costs are covered.

These amounts may change depending on your household size.

Alliant offers the best health insurance in Georgia for young adults, with a MoneyGeek score of 77 out of 100. This insurer provides more affordable insurance with lower chances of denying claims and moderate out-of-pocket costs.

For Georgia young adults, we evaluated six Bronze HMO plans, 55 Expanded Bronze plans including HMO and PPO types, and nine Catastrophic plans across both HMO and PPO. Only individuals under 30 can purchase Catastrophic coverage unless they qualify for a hardship exemption.

Health insurance companies often offer different plan types. Georgia has six Silver PPO plans and 74 Silver HMO plans. The best providers for all plan categories are:

• PPO: Alliant (MoneyGeek score: 100 out of 100)
• HMO: Ambetter (MoneyGeek score: 86 out of 100)

We only considered Silver plans in these recommendations. Silver plans are a good fit for people who want to balance premium costs and coverage.

National General Accident & Health received a MoneyGeek score of 95 out of 100, providing the best short-term health insurance in Georgia. Since short-term health insurance does not provide all the necessary health benefits that Affordable Care Act (ACA)-compliant plans do, we only recommend it for people wishing to address temporary coverage gaps.

Your budget and medical needs — including how much you're willing to spend each month versus when you receive care — will determine which health insurance provider in Georgia is right for you. The following pointers can be helpful when planning to get health insurance.

Adults 65 and older or with a qualifying illness or disability may be eligible for Medicare. This federal health insurance program subsidizes qualified individuals' health care services. Medicare has three parts:

• Part A (Hospital Insurance): Covers in-patient hospital stays, some home health care, nursing facilities and hospice care.
• Part B (Medical Insurance): Covers outpatient care like doctor's visits and preventive services.
• Part D (Prescription Drug Coverage): Helps cover the cost of prescribed medication.

We also have resources on finding the best Medicare Advantage and best Medicare Supplement plans in Georgia.

Another federal program, Medicaid, provides health coverage for people with income below a state-specified threshold. In Georgia, you may qualify for Medicaid if your household income is at or below 133% of the Federal Poverty Level (FPL) for your household size. You may also get Georgia Medicaid if you are pregnant or have a disability.

Finding an ideal health insurance plan can be complicated due to concerns about price and availability. MoneyGeek answers some frequently asked questions to help you research options.