Georgia Health Insurance 2025: $0 Plans Everywhere – Cheapest in the Southeast (Real Rates for Atlanta, Savannah, Augusta)
(Updated November 30, 2025 – Open Enrollment is LIVE on Georgia Access until January 15, 2026)
Georgia just launched its own state-based Marketplace — Georgia Access — for 2025, making it easier than ever to get affordable health insurance.
Over 1.5 million Georgians are now enrolled, with 93% receiving premium subsidies averaging $590/month — and millions more qualify for $0-premium Silver 94% plans if income is ≤150% FPL (~$22,590 single). These full ACA plans cover pre-existing conditions, include $0–$800 deductibles via CSR, and are boosted by Georgia’s reinsurance program keeping rates low.
But subsidies expire December 31, 2025 — enroll now to lock in $0 for 2026 before potential 21% hikes.
Georgia 2025 Average Costs After Subsidies (40-Year-Old, 150% FPL)
| City / Area | Full Price (No Subsidy) | After Max Subsidy | You Actually Pay (Silver 94%) |
|---|---|---|---|
| Atlanta / Fulton | $493/mo | $0–$15/mo | $0 |
| Savannah / Chatham | $512/mo | $0–$20/mo | $0 |
| Augusta / Richmond | $475/mo | $0–$12/mo | $0 |
| Macon / Bibb | $489/mo | $0–$10/mo | $0 |
| Columbus / Muscogee | $528/mo | $0–$18/mo | $0–$18 |
| Statewide Average | $493/mo | $0–$47/mo | $0–$47 |
Sources: MoneyGeek 2025 Georgia Rates; Georgia Access Data Use the Georgia Access Plan Preview for your exact ZIP and income.
County-by-County Cheapest $0 Plans 2025 (Single Adult, Low-Income Eligible)
| County / Major City | Cheapest Carrier | Plan Name | Monthly After Subsidy | Deductible | Out-of-Pocket Max |
|---|---|---|---|---|---|
| Fulton (Atlanta) | Ambetter | Clear Silver 94% | $0 | $0 | $1,200 |
| DeKalb | Oscar | Epic Silver 94% | $0 | $200 | $1,500 |
| Chatham (Savannah) | CareSource | Silver 94% | $0 | $0 | $900 |
| Richmond (Augusta) | Aetna | Balanced Silver 94% | $0 | $100 | $1,800 |
| Bibb (Macon) | Cigna | BlueAdvantage Silver 94% | $0 | $400 | $2,200 |
| Muscogee (Columbus) | Ambetter | Choice Silver 94% | $0–$18 | $300 | $2,000 |
| Cobb | Kaiser Permanente | Silver 94% | $0 | $500 | $2,500 |
| Gwinnett | Molina Healthcare | Silver 94% | $0–$15 | $0 | $1,500 |
Preview your county instantly: Georgia Access Explore Plans
Top 7 Cheapest Carriers in Georgia 2025 (Ranked by Affordability & Coverage)
- Ambetter – Cheapest overall ($493/mo avg full price); widest access (149 counties); $0 Silver statewide
- CareSource Georgia Co. – Best for low-income ($0 plans dominant); strong in rural areas
- Oscar Health Plan of Georgia – Lowest deductibles in Atlanta; telehealth perks
- Aetna – Competitive Silver 94% ($0–$20); wide network in Metro Atlanta
- Cigna – Affordable Gold options; good for families
- Kaiser Permanente – Integrated care (5-star CMS); cheapest HMO in 31 Metro Atlanta counties
- Molina Healthcare – $0 for <150% FPL; border & coastal focus
Pro Tip: Georgia’s new state Marketplace auto-migrated 2024 enrollees from HealthCare.gov — check your subsidy notice for 2025 changes.
Why Georgia Plans Are So Affordable in 2025 (Before Potential Hikes)
- 3+ carriers per county (doubled since 2019 via outreach)
- Reinsurance program caps rates 15–20% below national avg
- Enhanced subsidies: 93% qualify, but end 12/31/2025 — proposed 21% premium hikes for 2026 (up to 42% for some)
- Short-term plans $80–$150/mo available, but no subsidies or pre-existing coverage
For self-employed Georgians: Deduct premiums + subsidies for near-$0 effective cost.
Deadlines – Enroll Now to Lock In $0 for 2026
- December 15, 2025 → January 1 coverage
- January 15, 2026 → Final deadline (Feb 1 start)
Related Guides on Our Site
→ Cheapest Health Insurance 2025 (National Guide)
→ Health Insurance for Self-Employed 2025
→ $0 Health Insurance 2025
→ Florida Health Insurance 2025
→ Texas Health Insurance 2025
Georgia’s Georgia Access beats federal sites for ease — head to Georgia Access now, enter your ZIP, and see $0 plans. With enrollment tripling to 1.5M, this is your chance at free coverage before 2026 spikes.
