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Georgia Health Insurance

Health insurance at present is generally available in two categories: individual and group.
Individual insurance caters mainly to those who are self-employed, or are working in a company that does not offer a health plan, or those who have a family and seek individual insurance for family members. If you buy an individual plan, you must pay an annual premium, and also a deductible for each insured dependent, up to a base amount. However, if you go for a group policy, you must pay an annual premium, co-payments payable at each medical service, and a deductible payable before insurance starts paying your valid medical bills.

In Georgia, insurers are not bound to accept your individual health insurance application if you are found to have a medical problem. In case you have a pre-existing condition, the company can attach an elimination rider to your policy. Insurers may impose an elimination period for your condition instead. There are, however, no set time limitations for these exclusion periods. In the State of Georgia, there is no specific definition of a pre-existing condition and no allowance for creditable coverage either. Usually most companies limit their exclusion periods to one year. Your insurance cannot be cancelled if you fall sick. And if you quit a fully insured group health plan, you may be eligible for a conversion policy.

According to Georgian group health insurance regulations, you cannot be refused or charged more for group coverage based on a medical problem, if you qualify. Your insurance cannot be cancelled because of sickness. Life changes that involve children, marriage, family problems, or job loss may allow extra opportunities for group coverage. Newborn, adopted, and disabled children have additional coverage, in case your plan includes dependents. Insurers can review your medical history for the six months prior to group coverage. If you have a pre-existing condition, the insurer can require an exclusion period that should not exceed 12 months. If you have had continuous coverage, with no lapses longer than 63 days, you may get creditable coverage for the pre-existing condition.

In Georgia, small businesses employing two to 50 people cannot be refused small group health insurance. For them, there are limits on premium prices and it cannot be cancelled due to illness within the group.

Like many other states, the self-employed are not allowed to purchase group health insurance. For group health coverage through business or professional associations, you should contact the Georgia Office of Insurance and Safety Fire Commissioner for assistance.

Low income people in Georgia can seek Medicaid, while Peachcare for Kids will help with insurance for children 19 years old and younger who do not have insurance. Georgia Cancer Screening Program provides breast and cervical cancer screenings for qualified Georgia residents.

Choosing the right health insurance quotes often proves difficult. You should do some research before making your choice. It is better to engage professional health insurance agents and brokers who can be of great help in this regard.

There are several health insurance providers in Georgia including Aetna, American Medical Security, Assurant Health (formerly Fortis), Blue Cross and Blue Shield of Georgia, Celtic, Fairmont Specialty Group, Golden Rule, Guardian, Humana, Kaiser Permanente of Georgia and Security Life.



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To find US News rankings of a Georgia Health Insurance Plan, Click the logo:

An annual guide is provided by US News to what it considers the best health insurance plan(s) in each state. Click through to specific reports on a Georgia health insurance plan or Georgia medical insurance plan, or click on the links following:

Aetna - Georgia (HMO, POS) GA

Alliant Health Plans (HMO) GA

Athens Area Health Plan Select (HMO) GA

Blue Cross Blue Shield Healthcare Plan of Georgia (HMO, POS) GA

CIGNA HealthCare of Georgia (HMO, POS) GA

Coventry Health Care of Georgia (HMO) GA

Evergreen Health Plan (HMO) GA

Humana Employers Health of Georgia (HMO, POS) GA

Kaiser Foundation Health Plan of Georgia (HMO) GA

Kaiser Foundation Health Plan of Georgia (POS) GA

UnitedHealthCare of Georgia, Inc. (HMO, POS) GA


If you think Georgia should provide better health insurance for its citizens then contact the following :


Tell your elected representatives in the U.S. Congress from Georgia if you think we should have national universal health care or single-payer health insurance :


Health Insurance Information in Official State of Georgia Sites

  • PeachCare for Kids is a Children's Health Insurance Program to expand coverage to children in low income families. It is not a Medicaid plan. The plan will pay for preventive services and acute medical care, as well as vision and dental care.

  • Georgia State Insurance Commission – provides oversight of regulated industries, consumer protection, and broad-based educational activities.


Health insurance can be purchased in these Georgia Counties: Appling, Atkinson, Bacon, Baker, Baldwin, Banks, Barrow, Bartow, Ben Hill, Berrien, Bibb, Bleckley, Brantley, Brooks, Bryan, Bulloch, Burke, Butts, Calhoun, Camden, Candler, Carroll, Catoosa, Charlton, Chatham, Chattahoochee, Chattooga, Cherokee, Clarke, Clay, Clayton, Clinch, Cobb, Coffee, Colquitt, Columbia, Cook, Coweta, Crawford, Crisp, Dade, Dawson, Decatur, DeKalb, Dodge, Dooly, Dougherty, Douglas, Early, Echols, Effingham, Elbert, Emanuel, Evans, Fannin, Fayette, Floyd, Forsyth, Franklin, Fulton, Gilmer, Glascock, Glynn, Gordon, Grady, Greene, Gwinnett, Habersham, Hall, Hancock, Haralson, Harris, Hart, Heard, Henry, Houston, Irwin, Jackson, Jasper, Jeff Davis, Jefferson, Jenkins, Johnson, Jones, Lamar, Lanier, Laurens, Lee, Liberty, Lincoln, Long, Lowndes, Lumpkin, Macon, Madison, Marion, McDuffie, McIntosh, Meriwether, Miller, Mitchell, Monroe, Montgomery, Morgan, Murray, Muscogee, Newton, Oconee, Oglethorpe, Paulding, Peach, Pickens, Pierce, Pike, Polk, Pulaski, Putnam, Quitman, Rabun, Randolph, Richmond, Rockdale, Schley, Screven, Seminole, Spalding, Stephens, Stewart, Sumter, Talbot, Taliaferro, Tattnall, Taylor, Telfair, Terrell, Thomas, Tift, Toombs, Towns, Treutlen, Troup, Turner, Twiggs, Union, Upson, Walker, Walton, Ware, Warren, Washington, Wayne, Webster, Wheeler, White, Whitfield, Wilcox, Wilkes, Wilkinson and Worth.

Health insurance can be purchased from various cities in Geogia: Abbeville, Acworth, Adairsville, Adel, Adrian, Ailey, Alamo, Albany, Alma, Alpharetta, Ambrose, Americus, Andersonville, Aragon, Arcade, Arlington, Arnoldsville, Ashburn, Athens, Atlanta, Attapulgus, Auburn, Augusta, Austell, Avera, Avondale Estates , Baconton, Bainbridge, Baldwin, Ball Ground, Barnesville, Baxley, Bellville, Berkeley Lake, Blackshear, Blairsville, Blakely, Bloomingdale, Blue Ridge, Blythe, Boston, Bostwick, Bowdon, Bowman, Braswell, Bremen, Broxton, Brunswick, Buchanan, Buena Vista, Buford, Butler, Byron, Cairo, Calhoun, Camilla, Canon, Canton, Carlton, Carnesville, Carrollton, Cartersville, Cave Spring, Cedartown, Centerville, Chamblee, Chatsworth, Chickamauga, Clarkesville, Clarkston, Claxton, Clayton, Cleveland, Climax, Cobbtown, Cochran, Colbert, Coleman, College Park, Collins, Colquitt, Columbus, Comer, Commerce, Conyers, Coolidge, Cordele, Cornelia, Covington, Crawford, Crawfordville, Culloden, Cumming, Cusseta, Cuthbert, Dacula, Dahlonega, Daisy, Dallas, Dalton, Danielsville, Darien, Davisboro, Dawson, Dawsonville, Decatur, Demorest, Denton, De Soto, Dillard, Doerun, Donalsonville, Doraville, Douglas, Douglasville, Dublin, Dudley, Duluth, East Dublin, East Ellijay, Eastman, East Point, Eatonton, Edge Hill, Edison, Elberton, Ellaville, Ellijay, Emerson, Eton, Euharlee, Fairburn, Fairmount, Fargo, Fayetteville, Fitzgerald, Flemington, Flovilla, Folkston, Forest Park, Forsyth, Fort Gaines, Fort Oglethorpe, Fort Valley, Franklin, Franklin Springs, Gainesville, Garden City, Georgetown, Gibson, Gillsville, Glennville, Glenwood, Gordon, Graham, Grantville, Gray, Grayson, Greensboro, Greenville, Griffin, Grovetown, Gumbranch, Guyton, Hagan, Hahira, Hamilton, Hampton, Hapeville, Harlem, Hartwell, Hawkinsville, Hazlehurst, Helen, Helena, Hephzibah, Hiltonia, Hinesville, Hiram, Hoboken, Hogansville, Holly Springs, Homeland, Homerville, Hoschton, Hull, Ideal, Ila, Irwinton, Jackson, Jakin, Jasper, Jefferson, Jeffersonville, Jesup, Jonesboro, Kennesaw, Kingsland, Kingston, La Fayette, LaGrange, Lake City, Lakeland, Lake Park, Lavonia, Lawrenceville, Leary, Leesburg, Lenox, Leslie, Lexington, Lilburn, Lilly, Lincolnton, Lithonia, Locust Grove, Loganville, Lookout Mountain, Louisville, Lovejoy, Ludowici, Lula, Lumber City, Lumpkin, Luthersville, Lyons, McCaysville, McDonough, Macon, McRae, Madison, Manassas, Manchester, Mansfield, Marietta, Marshallville, Meansville, Meigs, Menlo, Metter, Midville, Midway, Milledgeville, Millen, Milner, Molena, Monroe, Montezuma, Monticello, Morgan, Morrow, Morven, Moultrie, Mountain Park, Mount Vernon, Mount Zion, Nahunta, Nashville, Nelson, Newnan, Newton, Nicholls, Nicholson, Norcross, Norman Park, Norwood, Oakwood, Ocilla, Oconee, Offerman, Oglethorpe, Oliver, Omega, Oxford, Palmetto, Patterson, Pavo, Payne, Peachtree City, Pearson, Pelham, Pembroke, Pendergrass, Perry, Pinehurst, Pine Lake, Pitts, Plains, Plainville, Pooler, Port Wentworth, Poulan, Powder Springs, Quitman, Ray City, Rebecca, Reidsville, Remerton, Resaca, Riceboro, Richland, Richmond Hill, Rincon, Ringgold, Riverdale, Roberta, Rochelle, Rockmart, Rome, Rossville, Roswell, Royston, Rutledge, St. Marys, Sandersville, Sandy Springs, Santa Claus, Savannah, Scotland, Screven, Senoia, Sharon, Shellman, Shiloh, Sky Valley, Smithville, Smyrna, Snellville, Social Circle, Soperton, Sparta, Springfield, Stapleton, Statesboro, Statham, Stockbridge, Stone Mountain, Sugar Hill, Summerville, Sunny Side, Suwanee, Swainsboro, Sycamore, Sylvania, Sylvester, Talbotton, Tallapoosa, Temple, Tennille, Thomaston, Thomasville, Thomson, Tifton, Toccoa, Trenton, Tunnel Hill, Twin City, Tybee Island, Ty Ty, Unadilla, Union City, Union Point, Uvalda, Valdosta, Varnell, Vidalia, Vidette, Vienna, Villa Rica, Waco, Wadley, Waleska, Walthourville, Warm Springs, Warner Robins, Warrenton, Warwick, Washington, Waycross, Waynesboro, West Point, Whigham, White, White Plains, Willacoochee, Winder, Winterville, Woodbine, Woodbury, Woodland, Woodstock, Woodville, Wrens, Wrightsville, Young Harris and Zebulon.



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