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Georgia Health Insurance

Just like most other states in America, the number of residents without Georgia health insurance is increasing.  Georgia’s health care industry is doing its share in keeping up with the ever changing needs of its residents.  There is some type of Georgia health insurance for just about everyone. Here’s the information you need to determine which health insurance provider and policy in Georgia can best meet your needs.

How To Find The Best Georgia Health Insurance Agent

When searching for a Georgia health insurance company or agent online, be sure that the company and agent you choose is licensed to do business in Georgia.  When choosing an agent remember that agents may represent one or several major carriers.

Traditionally, the best type of agent to meet your needs is a Georgia independent health insurance agent or Georgia health insurance broker as each of these types of agents can represent many different insurance companies and help you find the best value.

The agent that represents several carriers has earned the reputation and had to be accepted by every carrier the agent represents.  There are agents who represent one company and it’s usually a large company like:

  • Blue Cross Blue Shield of Georgia

  • Golden Rule

  • Aetna

  • Kaiser Permanente

  • Celtic

  • Humana

It really doesn’t matter if you start with an instant online GA health insurance quote, through an agent or on the phone, although online tools are usually a quicker and more convenient place to start. There are usual and customary charges established by the Georgia Department of Insurance.  Your personal profile is going to determine your rate. 

The Different Types Of Georgia Health Insurance Plans Available

Large and small companies are going to carry your basic plans based on your group or individual needs.  Most of your large companies are going to carry all of the basic plans that include:

  • HMO – Health Maintenance Organizations – Premiums, co-pays and deductibles paid to a network of providers via group or individual policy agreement.

  • PPO – Preferred Provider Organizations – Discount and co-insurance network of preferred providers.

  • POS – Point of Service – combination of both HMO’s and PPO’s with a choice of in-network or out-of-network providers.

  • Fee-for-Service – A more traditional plan where fees are paid at the time of service – usually popular with reimbursement or individual plans.

  • Short Term Plans – These are interim plans for temporary insurance needs.

  •  Discount Health Plans – are supplements to existing plans or for specific discount needs, but they are NOT health insurance.

Generally speaking, mid-sized and smaller companies offer specialty services for special groups like small to medium sized business services to compete in the marketplace. Knowing the reputation and financial stability of any company you choose is a must.

Georgia Health Insurance Plans Available To Uninsured Children

Georgia’s children are a precious commodity like the children in all states.  It is painful to see a child suffer.  Kids just need preventive health care like immunizations to ward off susceptibility to major diseases.  It’s heart breaking when you see kids with terminal illnesses whose parents are struggling with payment issues.

Georgia offers a government sponsored program through SCIP (State Children Insurance Program) called PeachCare for Kids of Georgia.  This program is not a Medicaid program but an income based program for working families.  The income is 235% of the poverty level as opposed to 200% and expanding.  This is the fourth largest comprehensive health insurance plan for kids in the nation according to statistics.  

Georgia Health Insurance Plans Available To Uninsured Pregnant Women

Georgia health insurance plans are available to uninsured pregnant women.  In addition to:

  • Private 12 month Short term plans

  • High Risk Group plans

  • Medicaid

Georgia offers PeachCare in some instances to pregnant women for prenatal care and delivery.  Other options are national short term income based plans like:

  • Maternity Card

  • Maternity Advantage

Other plans are community based plans that are available through community organization. 

Georgia Health Insurance Plans Available To Uninsured Individuals

Georgia health insurance plans are available to uninsured individuals with a bit of research.  In addition to the options mentioned for pregnant women and kids, Georgia has discount plans and other community based and state income based programs available. For instance the most populated counties in Georgia have county based programs such as:        

  • Gwinnett County Medical Center not-for-profit program

  • DeKalb Medical Center program with satellite centers in Kroger stores

  • Cobb County Medical Center program

  • Fulton County Medical Center program

Georgia Health Insurance Laws: COBRA And HIPAA

A Georgia COBRA health insurance plan is a group continuation plan that will last for a minimum of 18 months after one becomes ineligible for the group coverage (this law only applies to companies with 20 or more employees).

A Georgia HIPAA health insurance plan is an individual health insurance plan that is issued on a guaranteed issue basis with no exclusions for pre-existing conditions. There are 6 criteria that one must meet in order to be eligible for a GA HIPAA plan.

Georgia Individual Health Insurance

GA individual medical insurance plans are usually quite cheap when you compare their cost with the cost of a group medical insurance plan in GA with similar benefits. The key to finding the cheapest Georgia individual health insurance plan is to compare quotes from many of the top health insurance companies in GA.

Top Georgia Health Insurance Companies

Blue Cross Blue Shield of Georgia


Kaiser Permanente


Golden Rule (United Healthcare)


Compare Georgia Health Insurance Quotes Now!

Wherever you live in Georgia you are bound to find some help with a health insurance program to meet you and your family's needs. 

If you would like further assistance with finding Georgia health insurance, just click on the quote tool at the top of the page and start comparing Georgia health insurance rates and coverage options from top insurers immediately.

Get started finding GA health insurance now!