Health insurance prices in Effingham County, GA (2026)
90 marketplace plans from 5 insurers. Cheapest plan $489/mo; typical Silver $719/mo. Official marketplace: Georgia Access (enter your ZIP for your real price and tax credit).
Plan year 2026 prices; 2027 prices will be added as soon as CMS publishes them. Monthly premium for one 40-year-old, before any tax credit (subsidy). Rating Area 14.
Tick 2 to 4 options anywhere on this page (an insurer's cheapest plan, any plan in the full list, or a health sharing program) and press Compare. You can mix insurance and health sharing, and share the link.
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Individual & family health insurance (marketplace / ACA plans)
Real insurance plans you buy yourself (not through a job), sold by companies like UnitedHealthcare, Blue Cross Blue Shield, Ambetter (Centene), Oscar, Cigna, Molina and Anthem through HealthCare.gov or your state's marketplace.
Looking for Aetna? Aetna CVS Health left the ACA marketplace for 2026 (it sold plans in 17 states in 2025). Source: KFF
All plans here: Bronze $489–$793 (typical $606) · Silver $692–$1,000 (typical $719) · Gold $696–$1,066 (typical $814) · Catastrophic $529–$529 (typical $529)
Insurers, sorted by typical Silver price
Every marketplace insurer must sell Silver and Gold plans; Bronze is optional, so Silver is the fair comparison. Typical = median monthly premium, age 40.
| Comparecheapest plan | Insurer | Plans | Cheapest plan | Typical Bronze | Typical Silver | Typical Gold | Cheapest plan name |
|---|---|---|---|---|---|---|---|
| Ambetter (Centene) | 25 | $609 | $629 | $704 | $742 | Clear Bronze HMO | |
| CareSource | 20 | $503 | $525 | $712 | $826 | Low Premium Bronze HMO 10600 0% | |
| Cigna HealthcareCigna Group | 11 | $538 | $558 | $752 | $837 | Connect Bronze HMO $8500 $40 | |
| Anthem Blue Cross Blue Shield (GA)Elevance Health (Blue Cross Blue Shield company) | 20 | $489 | $583 | $788 | $780 | Anthem Bronze Blue Value HMO 10600 $35 $0 Virtual PCP $0 Select Drugs | |
| UnitedHealthcareUnitedHealth Group | 14 | $709 | $724 | $982 | $1,030 | UHC Essential Bronze HMO $10600 $0 |
All 90 plans in Effingham County, cheapest first
| Compare | Insurer | Plan | Metal | Network | Monthly | Deductible | Out-of-pocket max | Bad year |
|---|---|---|---|---|---|---|---|---|
| Anthem Blue Cross Blue Shield (GA) | Anthem Bronze Blue Value HMO 10600 $35 $0 Virtual PCP $0 Select Drugs | Expanded Bronze | HMO | $489 | $10,600 | $10,600 | $16,463 | |
| CareSource | Low Premium Bronze HMO 10600 0% | Expanded Bronze | HMO | $503 | $10,600 | $10,600 | $16,631 | |
| CareSource | Low Premium Bronze HMO 10600 0% and Adult Vision and Fitness | Expanded Bronze | HMO | $507 | $10,600 | $10,600 | $16,679 | |
| Anthem Blue Cross Blue Shield (GA) | Anthem Bronze Blue Value HMO 5000 $30 $0 Virtual PCP $0 Select Drugs | Expanded Bronze | HMO | $508 | $5,000 | $10,600 | $16,692 | |
| Anthem Blue Cross Blue Shield (GA) | Anthem Bronze Blue Value HMO 6000 40% HSA | Expanded Bronze | HMO | $518 | $6,000 | $8,300 | $14,519 | |
| CareSource | Core Bronze HMO 7500 $50 | Expanded Bronze | HMO | $525 | $7,500 | $10,000 | $16,303 | |
| Anthem Blue Cross Blue Shield (GA) | Anthem Catastrophic Pathway HMO 10600 First 3 PCP Visits $40 | Catastrophic | HMO | $529 | $10,600 | $10,600 | $16,947 | |
| CareSource | Core Bronze HMO 7500 $50 and Adult Vision and Fitness | Expanded Bronze | HMO | $529 | $7,500 | $10,000 | $16,350 | |
| Cigna Healthcare | Connect Bronze HMO $8500 $40 | Bronze | HMO | $538 | $8,500 | $10,600 | $17,057 | |
| Cigna Healthcare | Connect Bronze HMO $6500 $30 | Expanded Bronze | HMO | $548 | $6,500 | $10,600 | $17,170 | |
| Cigna Healthcare | Connect Bronze HMO $7500 $30 | Expanded Bronze | HMO | $554 | $7,500 | $10,150 | $16,796 | |
| Cigna Healthcare | Connect Bronze HMO $7000 $50 HSA | Expanded Bronze | HMO | $563 | $7,000 | $8,300 | $15,052 | |
| Cigna Healthcare | Connect myDiabetesCare Bronze HMO $4500 $25 | Expanded Bronze | HMO | $564 | $4,500 | $10,150 | $16,918 | |
| Anthem Blue Cross Blue Shield (GA) | Anthem Bronze Pathway HMO 8000 50% $0 Virtual PCP $0 Select Drugs | Bronze | HMO | $572 | $8,000 | $10,600 | $17,464 | |
| CareSource | Bronze HMO 6000 60% HSA Eligible | Expanded Bronze | HMO | $576 | $6,000 | $7,250 | $14,160 | |
| Anthem Blue Cross Blue Shield (GA) | Anthem Bronze Pathway HMO 6000 $50 $0 Virtual PCP $0 Select Drugs | Expanded Bronze | HMO | $593 | $6,000 | $10,600 | $17,720 | |
| Anthem Blue Cross Blue Shield (GA) | Anthem Bronze Pathway HMO 7500 $50 $0 Virtual PCP $0 Select Drugs | Expanded Bronze | HMO | $602 | $7,500 | $10,600 | $17,829 | |
| Ambetter (Centene) | Clear Bronze HMO | Bronze | HMO | $609 | $9,000 | $9,000 | $16,306 | |
| Anthem Blue Cross Blue Shield (GA) | Anthem Bronze Pathway HMO 5000 $45 $0 Virtual PCP $0 Select Drugs | Expanded Bronze | HMO | $619 | $5,000 | $10,600 | $18,028 | |
| Ambetter (Centene) | Everyday Bronze HMO | Expanded Bronze | HMO | $621 | $8,450 | $10,150 | $17,604 | |
| Ambetter (Centene) | Clear Bronze HMO + Vision + Adult Dental | Bronze | HMO | $622 | $9,000 | $9,000 | $16,464 | |
| Ambetter (Centene) | Standard Expanded Bronze HMO | Expanded Bronze | HMO | $624 | $7,500 | $10,000 | $17,484 | |
| Cigna Healthcare | Connect Bronze HMO $0 $5500 $55 | Expanded Bronze | HMO | $632 | $0 | $10,150 | $17,738 | |
| Anthem Blue Cross Blue Shield (GA) | Anthem Bronze Pathway HMO 7900 0% HSA | Expanded Bronze | HMO | $633 | $7,900 | $7,900 | $15,500 | |
| Ambetter (Centene) | Everyday Bronze HMO + Vision + Adult Dental | Expanded Bronze | HMO | $635 | $8,450 | $10,150 | $17,765 | |
| Ambetter (Centene) | Standard Expanded Bronze HMO + Vision + Adult Dental | Expanded Bronze | HMO | $637 | $7,500 | $10,000 | $17,645 | |
| Ambetter (Centene) | Choice Bronze HSA HMO | Expanded Bronze | HMO | $676 | $7,250 | $7,250 | $15,367 | |
| Ambetter (Centene) | Choice Bronze HSA HMO + Vision + Adult Dental | Expanded Bronze | HMO | $691 | $7,250 | $7,250 | $15,542 | |
| Ambetter (Centene) | Clear Silver HMO with $0 Insulin Options | Silver | HMO | $692 | $7,000 | $7,000 | $15,309 | |
| Ambetter (Centene) | Standard Silver HMO | Silver | HMO | $696 | $6,000 | $8,900 | $17,257 | |
| Anthem Blue Cross Blue Shield (GA) | Anthem Gold Blue Value HMO 2550 $10 $0 Virtual PCP $0 Select Drugs | Gold | HMO | $696 | $2,550 | $8,400 | $16,758 | |
| CareSource | Low Premium Silver HMO 6200 $40 | Silver | HMO | $697 | $6,200 | $9,800 | $18,162 | |
| CareSource | Low Premium Silver HMO 6200 $40 and Adult Vision and Fitness | Silver | HMO | $701 | $6,200 | $9,800 | $18,210 | |
| Ambetter (Centene) | Focused Silver HMO | Silver | HMO | $703 | $6,300 | $8,400 | $16,838 | |
| Ambetter (Centene) | Clear Gold HMO | Gold | HMO | $704 | $1,200 | $9,150 | $17,595 | |
| Ambetter (Centene) | Complete Silver HMO | Silver | HMO | $704 | $5,950 | $8,850 | $17,302 | |
| Anthem Blue Cross Blue Shield (GA) | Anthem Silver Blue Value HMO 6500 $25 $0 Virtual PCP $0 Select Drugs | Silver | HMO | $707 | $4,500 | $10,450 | $18,940 | |
| CareSource | Healthy Heart Silver HMO 5000 $30 $0 Chronic Care Services | Silver | HMO | $708 | $5,000 | $9,500 | $17,993 | |
| UnitedHealthcare | UHC Essential Bronze HMO $10600 $0 | Bronze | HMO | $709 | $10,600 | $10,600 | $19,112 | |
| Anthem Blue Cross Blue Shield (GA) | Anthem Silver Blue Value HMO 4000 $10 $0 Virtual PCP $0 Select Drugs | Silver | HMO | $710 | $4,000 | $10,150 | $18,668 | |
| Ambetter (Centene) | Standard Silver HMO + Vision + Adult Dental | Silver | HMO | $711 | $6,000 | $8,900 | $17,438 | |
| CareSource | Healthy Heart Silver HMO 5000 $30 $0 Chronic Care Services and Adult Vision and Fitness | Silver | HMO | $712 | $5,000 | $9,500 | $18,041 | |
| Anthem Blue Cross Blue Shield (GA) | Anthem Silver Blue Value HMO 6000 $10 $0 Virtual PCP $0 Select Drugs | Silver | HMO | $712 | $6,000 | $9,000 | $17,549 | |
| CareSource | Diabetes Silver HMO 5000 $30 $0 Chronic Care Services | Silver | HMO | $712 | $5,000 | $9,500 | $18,050 | |
| Anthem Blue Cross Blue Shield (GA) | Anthem Silver Blue Value HMO 3500 $10 $0 Virtual PCP $0 Select Drugs | Silver | HMO | $713 | $3,500 | $10,600 | $19,150 | |
| CareSource | Diabetes Silver HMO 5000 $30 $0 Chronic Care Services and Adult Vision and Fitness | Silver | HMO | $716 | $5,000 | $9,500 | $18,098 | |
| Ambetter (Centene) | Focused Silver HMO + Vision + Adult Dental | Silver | HMO | $718 | $6,300 | $8,400 | $17,020 | |
| Ambetter (Centene) | Clear Gold HMO + Vision + Adult Dental | Gold | HMO | $719 | $1,200 | $9,150 | $17,778 | |
| Ambetter (Centene) | Complete Silver HMO + Vision + Adult Dental | Silver | HMO | $720 | $5,950 | $8,850 | $17,485 | |
| UnitedHealthcare | UHC Value Bronze HMO $8500 $30 Gen Rx $8 | Bronze | HMO | $721 | $8,500 | $10,600 | $19,256 | |
| Ambetter (Centene) | Standard Gold HMO | Gold | HMO | $723 | $2,000 | $8,200 | $16,871 | |
| UnitedHealthcare | UHC Value Classic Bronze HMO $6350 $40 | Bronze | HMO | $724 | $6,350 | $10,600 | $19,292 | |
| Ambetter (Centene) | Everyday Gold HMO | Gold | HMO | $730 | $800 | $7,250 | $16,012 | |
| Ambetter (Centene) | Standard Gold HMO + Vision + Adult Dental | Gold | HMO | $738 | $2,000 | $8,200 | $17,059 | |
| Cigna Healthcare | Connect Silver HMO $7000 $5 | Silver | HMO | $744 | $7,000 | $9,925 | $18,854 | |
| Ambetter (Centene) | Everyday Gold HMO + Vision + Adult Dental | Gold | HMO | $746 | $800 | $7,250 | $16,201 | |
| Cigna Healthcare | Connect Silver HMO $3700 $10 | Silver | HMO | $749 | $3,700 | $10,125 | $19,117 | |
| CareSource | HDHP Preventive Silver HMO 5500 0% $0 Chronic Care Drugs | Silver | HMO | $751 | $5,500 | $5,500 | $14,516 | |
| Cigna Healthcare | Connect myDiabetesCare Silver HMO $2700 $15 | Silver | HMO | $755 | $2,700 | $10,150 | $19,209 | |
| Ambetter (Centene) | Complete Gold HMO | Gold | HMO | $755 | $1,450 | $7,500 | $16,560 | |
| Cigna Healthcare | Connect Silver HMO $5000 $5 | Silver | HMO | $756 | $5,000 | $9,900 | $18,975 | |
| Ambetter (Centene) | Complete Gold HMO + Vision + Adult Dental | Gold | HMO | $771 | $1,450 | $7,500 | $16,756 | |
| UnitedHealthcare | UHC Copay Focus Bronze HMO $0 $50 | Expanded Bronze | HMO | $773 | $0 | $10,600 | $19,878 | |
| Anthem Blue Cross Blue Shield (GA) | Anthem Silver Pathway HMO 5500 $10 $0 Virtual PCP $0 Select Drugs | Silver | HMO | $788 | $5,500 | $10,000 | $19,456 | |
| Anthem Blue Cross Blue Shield (GA) | Anthem Silver Pathway HMO 5000 $10 $0 Virtual PCP $0 Select Drugs | Silver | HMO | $790 | $5,000 | $9,750 | $19,232 | |
| UnitedHealthcare | UHC Copay Focus+ Bronze HMO $0 $50 Adult Dental Vision | Expanded Bronze | HMO | $793 | $0 | $10,600 | $20,115 | |
| Anthem Blue Cross Blue Shield (GA) | Anthem Silver Pathway HMO 6000 $10 $0 Virtual PCP $0 Select Drugs | Silver | HMO | $793 | $6,000 | $9,000 | $18,522 | |
| Anthem Blue Cross Blue Shield (GA) | Anthem Silver Pathway HMO 3900 $10 $0 Virtual PCP $0 Select Drugs | Silver | HMO | $795 | $3,900 | $10,600 | $20,146 | |
| CareSource | Healthy Heart Gold HMO 3000 $10 $0 Chronic Care Services | Gold | HMO | $803 | $3,000 | $8,500 | $18,136 | |
| CareSource | Healthy Heart Gold HMO 3000 $10 $0 Chronic Care Services and Adult Vision and Fitness | Gold | HMO | $807 | $3,000 | $8,500 | $18,184 | |
| CareSource | Diabetes Gold HMO 3000 $10 $0 Chronic Care Services | Gold | HMO | $810 | $3,000 | $8,500 | $18,221 | |
| CareSource | Diabetes Gold HMO 3000 $10 $0 Chronic Care Services and Adult Vision and Fitness | Gold | HMO | $814 | $3,000 | $8,500 | $18,269 | |
| Ambetter (Centene) | Elite Gold HMO | Gold | HMO | $815 | $0 | $6,500 | $16,281 | |
| Anthem Blue Cross Blue Shield (GA) | Anthem Silver Pathway HMO 2800 $10 $0 Virtual PCP $0 Select Drugs | Silver | HMO | $820 | $2,800 | $10,150 | $19,986 | |
| Ambetter (Centene) | Elite Gold HMO + Vision + Adult Dental | Gold | HMO | $833 | $0 | $6,500 | $16,492 | |
| Cigna Healthcare | Connect Gold HMO $2000 $10 | Gold | HMO | $837 | $2,000 | $7,000 | $17,044 | |
| CareSource | Low Premium Gold HMO 1500 $20 | Gold | HMO | $838 | $1,500 | $8,400 | $18,460 | |
| CareSource | Low Premium Gold HMO 1500 $20 and Adult Vision and Fitness | Gold | HMO | $842 | $1,500 | $8,400 | $18,507 | |
| CareSource | Core Gold HMO 1500 $20 | Gold | HMO | $848 | $1,500 | $8,000 | $18,180 | |
| CareSource | Core Gold HMO 1500 $20 and Adult Vision and Fitness | Gold | HMO | $852 | $1,500 | $8,000 | $18,227 | |
| Anthem Blue Cross Blue Shield (GA) | Anthem Gold Pathway HMO 1350 $20 $0 Virtual PCP $0 Select Drugs | Gold | HMO | $863 | $1,350 | $9,600 | $19,954 | |
| UnitedHealthcare | UHC Value Silver HMO $5000 $20 Gen Rx $8 | Silver | HMO | $969 | $5,000 | $10,600 | $22,232 | |
| UnitedHealthcare | UHC Advantage Silver HMO $2900 $20 Gen Rx $3 | Silver | HMO | $980 | $2,900 | $10,150 | $21,915 | |
| UnitedHealthcare | UHC Copay Focus Silver HMO $0 $40 | Silver | HMO | $982 | $0 | $10,150 | $21,933 | |
| UnitedHealthcare | UHC Value+ Silver HMO $5000 $20 Gen Rx $8 Adult Dental Vision | Silver | HMO | $989 | $5,000 | $10,600 | $22,465 | |
| UnitedHealthcare | UHC Value Gold HMO $1500 $15 Gen Rx $3 | Gold | HMO | $997 | $1,500 | $8,500 | $20,459 | |
| UnitedHealthcare | UHC Advantage+ Silver HMO $2900 $20 Gen Rx $3 Adult Dental Vision | Silver | HMO | $1,000 | $2,900 | $10,150 | $22,148 | |
| UnitedHealthcare | UHC Copay Focus Gold HMO $0 $10 Gen Rx $3 | Gold | HMO | $1,013 | $0 | $10,150 | $22,304 | |
| UnitedHealthcare | UHC Advantage Gold HMO $1100 $10 Gen Rx $1 | Gold | HMO | $1,047 | $1,100 | $7,200 | $19,761 | |
| UnitedHealthcare | UHC Advantage+ Gold HMO $1100 $10 Gen Rx $1 Adult Dental Vision | Gold | HMO | $1,066 | $1,100 | $7,200 | $19,994 |
Deductibles and a bad year, by metal level
| Metal | Lowest | Typical* | Highest | Plans | Typical deductible | Typical out-of-pocket max | Typical bad year** |
|---|---|---|---|---|---|---|---|
| Bronze | $489 | $606 | $793 | 32 | $7,500 | $10,150 | $16,988 |
| Silver | $692 | $719 | $1,000 | 32 | $5,000 | $9,800 | $18,595 |
| Gold | $696 | $814 | $1,066 | 25 | $1,500 | $8,200 | $18,136 |
| CatastrophicUnder 30 or hardship exemption only | $529 | $529 | $529 | 1 | $10,600 | $10,600 | $16,947 |
* Typical = median: half of plans cost less, half cost more. ** Bad year = 12 months of premium + the plan's in-network out-of-pocket maximum (median across plans). Out-of-network care and non-covered services are extra.