Georgia

Health insurance in Georgia is essential for safeguarding individuals and families from unexpected medical expenses. Georgians can find coverage through employer-sponsored plans, individual policies via the federal Health Insurance Marketplace, and government programs like Medicaid and Medicare.

As of recent estimates, about 13% of Georgia residents remain uninsured—one of the highest rates in the nation. Children are also impacted, with a significant number lacking coverage due to barriers in enrolling in Medicaid or the PeachCare for Kids program, Georgia’s version of CHIP.

Georgia has not fully expanded Medicaid under the Affordable Care Act, creating a coverage gap for many low-income adults who earn too much to qualify for Medicaid but not enough to afford private insurance. However, many Georgians are eligible for subsidies through the federal Marketplace, which can lower monthly premiums and out-of-pocket costs. Open enrollment typically runs from November through mid-January.

Top insurers in Georgia include Blue Cross Blue Shield of Georgia, Ambetter from Peach State Health Plan, Kaiser Permanente, and UnitedHealthcare. Plans range from HMOs and PPOs to high-deductible options that can be paired with Health Savings Accounts (HSAs). Navigating these choices and selecting the right coverage helps Georgia residents access necessary care while keeping healthcare costs manageable.