Quick answer
In 2026, the benchmark silver plan on Georgia Access averaged $615 a month for a 40-year-old before subsidies, close to the U.S. average of $625. Prices rise with age, from about $481 a month at 21 to $1,306 at 60. Nearly 9 in 10 enrollees get a tax credit, and the average enrollee paid $164 a month after it. For 2027, approved increases average about 21% before subsidies, and Cigna and UnitedHealthcare are leaving.
Key takeaways
- Georgia’s 2026 benchmark premium for a 40-year-old was about $10 below the national average.
- About 1.3 million Georgians picked a plan for 2026, down 12% from 2025, and 89% got a premium tax credit.
- Approved 2027 increases average about 21% before subsidies, and some insurers’ final rates differ from what they proposed.
- Cigna and UnitedHealthcare are leaving Georgia Access for 2027, and Antidote Health is joining.
- Georgia hasn’t fully expanded Medicaid. Its Pathways program covers some adults up to the poverty level if they meet work rules.
On this page
What a Georgia Marketplace plan costs before subsidies
| Age | Benchmark silver plan, per month (2026 estimate) |
|---|---|
| 21 | $481 |
| 30 | $546 |
| 40 | $615 |
| 50 | $859 |
| 60 | $1,306 |
| 64 | $1,444 |
| Child under 15 | $368 |
A family of four with two 40-year-old parents and two young children would pay about $1,966 a month for benchmark plans before subsidies.
What you’d pay after a tax credit
If your household income is between 100% and 400% of the federal poverty level, a premium tax credit caps what you pay for the benchmark plan at a share of your income. A single 40-year-old in Georgia earning $40,000 would pay about $287 a month for the benchmark plan in 2026, with a tax credit of about $328. For 2027, the same person’s share would be about $289 a month. Above 400% of the poverty level ($62,600 for one person for 2026 coverage, $63,840 for 2027), you’d pay full price.
Because Georgia didn’t fully expand Medicaid, adults with incomes below the poverty level usually can’t get Medicaid or a tax credit. The exception is Pathways, which offers Medicaid to some adults up to the poverty level who meet work requirements. See health insurance for low-income families.
Costs beyond the premium
What you pay when you get care depends on your plan’s deductible, copays and coinsurance, up to the out-of-pocket maximum of $10,600 for one person in 2026 ($12,000 in 2027). If your income is under 250% of the poverty level, a silver plan’s cost-sharing reductions lower those costs.
Georgia Marketplace facts
- Marketplace: Georgia Access, the state-run exchange since 2025 coverage. You can also enroll through approved private websites and brokers connected to it.
- Enrollment: 1,324,295 plan selections for 2026, down from 1,510,852 in 2025. By late August 2026, enrollment had fallen to about 900,000, according to the state.
- Insurers: Cigna and UnitedHealthcare are leaving for 2027, and Antidote Health is joining, leaving eight insurers: Alliant, Ambetter, AMGP, Anthem Blue Cross and Blue Shield, CareSource, Kaiser Permanente, Oscar and Antidote. If yours is leaving, see what to do if your insurance company leaves the Marketplace.
- 2027 prices: Final approved rates were posted on September 25, 2026. ACA Signups puts the average increase at about 20.7% before subsidies. Some insurers’ final rates differ a lot from what they proposed, so check your own plan’s 2027 price.
- State help: A reinsurance program has helped hold down premiums since 2022. Georgia doesn’t offer its own premium subsidy.
- Medicaid: Georgia Pathways covers adults with incomes up to 100% of the poverty level who meet work, school or volunteer requirements, and about 18,500 people were enrolled in mid-2026. The program is set to expire at the end of 2026 unless it’s renewed, and the new federal work requirements apply in Georgia starting January 1, 2027. See Medicaid work requirements.
When to enroll
Open enrollment for 2027 coverage runs from November 1, 2026 to January 15, 2027. Sign up by December 15 for coverage that starts January 1. For ways to keep your bill down, see how to lower your Marketplace premium.
Other options in Georgia
- Job-based coverage, usually the cheapest route if it’s offered.
- Medicaid for children, pregnant people and some adults, and PeachCare for Kids; see health insurance for children.
- Medicare at 65.
Health insurance costs in other states: Arizona, California, Florida, Illinois, Michigan, New Jersey, New York, North Carolina, Ohio, Pennsylvania, Texas, Virginia and Washington.
See 2027 plans and prices in your Georgia county: compare quotes by ZIP code.
Frequently asked questions
What’s the average cost of health insurance in Georgia?
Before subsidies, the 2026 benchmark silver plan for a 40-year-old averaged $615 a month. After tax credits, Georgia Access enrollees paid an average of $164 a month in 2026.
Is Cigna leaving Georgia?
Yes. Cigna and UnitedHealthcare won’t sell Marketplace plans in Georgia for 2027. Their members need to choose a new plan during open enrollment.
Did Georgia expand Medicaid?
No. Georgia is one of 10 states that haven’t adopted the full ACA expansion. Its Pathways program covers some adults up to the poverty level who meet work requirements.
Sources
- healthinsurance.org: Georgia health insurance marketplace
- Georgia Recorder: ACA premium prices insuring 900K Georgians to shoot up again
- ACA Signups: Georgia 2027 rate filings
- Georgia Recorder: Would Gov. Brian Kemp really shut down his Pathways Medicaid program?
- KFF: Average marketplace benchmark premiums by state
- KFF: Marketplace plan selections with financial assistance
This article is general information, not insurance or tax advice. Prices are averages and estimates; your actual premium depends on your county, age, income and plan. Last reviewed September 2026.