Health insurance cost in Georgia
If you're moving to Georgia without job-based coverage, here's what a Marketplace plan costs before subsidies. Georgia ranks #28 of 51 for the lowest benchmark premium.
Monthly premium by age
| Age | Benchmark silver | Cheapest bronze |
|---|---|---|
| 21 | $481 | $379 |
| 30 | $546 | $431 |
| 40 | $615 | $485 |
| 50 | $859 | $678 |
| 60 | $1,306 | $1,030 |
| 64 | $1,443 | $1,138 |
Scaled from the age-40 average with the federal default age curve, which lets insurers charge a 64-year-old up to 3× what a 21-year-old pays. Excludes tobacco surcharges.
The Georgia benchmark rose 25% for 2026, in line with the 26% national increase, leaving it close to the U.S. average for a 40-year-old.
What is different in Georgia
- Where to enroll
- Georgia Access
- Open enrollment for 2027
- Check the marketplace
- Marketplace insurers, 2026
- 8
- Medicaid expansion
- Not adopted
- Penalty if uninsured
- None
- Average paid after credits, 2026
- $164/mo
- Where and when. Georgia runs its own marketplace, Georgia Access, so you apply there rather than at HealthCare.gov. Georgia Access sets its own open-enrollment dates. We couldn't confirm the 2027 dates on an official page when we checked in September 2026, so check its site before you move.
- Choice of insurers. 8 insurers sell Marketplace plans in Georgia for 2026, down from 9 in 2025. Not every insurer sells in every county, so your choices depend on where you live. 1,324,295 people picked a Marketplace plan here for 2026, down 12% from 2025.
- What enrollees paid. Enrollees here paid an average of $164 a month after tax credits for 2026, more than double the $74 they paid for 2025 (U.S. average: $178). Before credits, the plans they chose averaged $777.
- Medicaid. Georgia hasn't adopted the full Medicaid expansion. Georgia Pathways covers adults up to 100% of the poverty level who complete 80 hours a month of work, school, training or volunteering. Adults below 100% who don't qualify get neither Medicaid nor Marketplace credits, which start at 100%.
- Going uninsured. Georgia doesn't charge a penalty for going without coverage, and the federal penalty ended after 2018. In 2024, 12% of residents had no health insurance, one of the five highest shares (U.S.: 8.2%), and 7.7% bought their own coverage.
Subsidies in 2026
The enhanced premium tax credits of 2021–2025 expired, so 2026 follows the original ACA rules: credits are available for household incomes between 100% and 400% of the federal poverty level, and you're expected to pay between about 2.1% and 9.96% of income for the benchmark plan. Above 400% there's no federal credit. Check your price at Georgia Access.
Frequently asked questions
How much is health insurance in Georgia in 2026?
The benchmark silver plan for a 40-year-old averages $615 a month before subsidies, and the cheapest bronze plan $485 (KFF analysis of CMS data). That's up 25% from 2025.
How much does health insurance cost for a 60-year-old in Georgia?
About $1,306 a month for the benchmark silver plan before subsidies, using the federal default age curve.
Did Georgia expand Medicaid?
Georgia hasn't adopted the full Medicaid expansion. Georgia Pathways covers adults up to 100% of the poverty level who complete 80 hours a month of work, school, training or volunteering. Adults below 100% who don't qualify get neither Medicaid nor Marketplace credits, which start at 100%.