Find Affordable Health Insurance in Georgia

Having a health insurance plan is important in giving you access to the care you need when you need it. While Georgia doesn’t require you to have health insurance, it can be a great investment in your peace of mind.

But when it comes to finding affordable health insurance in Georgia, it’s understandable if you feel overwhelmed. We’ve outlined some of the must-know details about Georgia health insurance, so you can find the plan that’s best for your needs.

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Types of Georgia Health Insurance Plans

The best health insurance in Georgia will be a plan that meets your specific healthcare needs. As you shop for health insurance, you’ll be able to choose from several types of plans. We’ve highlighted some of the most common insurance plan types:

Health Maintenance Organization (HMO) plans have low premiums and deductibles, but you must receive care from an in-network provider. You will also need to have a primary care physician.
Preferred Provider Organization (PPO) plans are more flexible, and you can seek care from an out-of-network provider. These plans have low premiums and deductibles, and you aren’t required to have a primary care physician.
Point of Service (POS) plans are more flexible than HMO plans, since you can receive care outside of your network and don’t need to have a primary care physician. In exchange for that flexibility, these plans have slightly higher premiums and deductibles.
Exclusive Provider Organization (EPO) plans have lower premiums and deductibles, and you’ll need to receive care within your network. However, you aren’t required to have a primary care physician.

Levels of Health Insurance in Georgia

When you buy health insurance in Georgia, you will also be able to choose from different plan levels. Plan levels come with different amounts of coverage, so it’s important to carefully review what’s covered when selecting a plan.

Bronze plans carry higher deductibles, but they also have lower monthly premiums.
Silver plans feature higher premiums, but their lower deductibles could also potentially save you money.
Gold and Platinum plans have the highest level of coverage, but they also have higher premiums. They are often a good choice for people with chronic conditions, who often need healthcare, or who want to avoid having to pay a high deductible.

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The Average Cost of Health Insurance in Georgia

In Georgia, a Bronze level plan costs an average of $609 per month for an adult. In comparison, the national average cost for a Bronze plan for a 40-year-old adult is $440 per month.

The average cost for health insurance in Georgia is more expensive than the national average, but keep in mind that your rates will depend on other factors, too. In addition to your location, insurance providers consider multiple details when calculating your rates:

Age
Current health
Whether you smoke
Number of dependents included in the policy
Marital status
Type of Coverage

A personalized quote will give you the most accurate idea of what you will pay for health insurance. Contact ConsumerCoverage for a free, personalized quote today.

How to Get Health Insurance in Georgia

There are several ways to get affordable health insurance in Georgia. Depending on your age and income, you and your family might qualify for Georgia Medicaid, Medicare, or PeachCare for Kids. Through these programs, you may be able to access discounted or even free health insurance.

Shopping around for insurance and comparing rates can also help you to find the best plan at the best price while still getting the coverage you need. ConsumerCoverage is a great place to start, and you can get a free, fast quote today.

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Paige Cerulli Paige Cerulli is a freelance content writer and journalist who specializes in personal finance topics. She graduated from Westfield State University and brings more than a decade of professional writing experience to the ConsumerCoverage team. Paige’s work has appeared in outlets including USA Today, Business Insider, and more.