Health Insurance in Rome Area — Northwest Georgia, GA — 2026 Plans & Premiums
76 ACA marketplace plans are available in Rome Area — Northwest Georgia, GA, from 2 insurers. The cheapest plan starts at $360.72/month before subsidies.
Insurers price these 2 counties identically, so plan availability and premiums below apply to all of them:
- Chattooga County
- Floyd County
76
Plans Available
$360.72
Cheapest Plan/mo
2
Insurers
Georgia Access
Exchange
Insurers Serving Rome Area — Northwest Georgia
Plans Available in Rome Area — Northwest Georgia
Sorted by monthly premium · 30-year-old · Before subsidies
Oscar Health Plan of Georgia Bronze Simple 2 HMO $9150 10%
Oscar Health Plan of Georgia
$360.72/mo
Ded: $9,150
Oscar Health Plan of Georgia Buena Salud Bronce Estandar Clasico HMO $7500 $50
Oscar Health Plan of Georgia
$374.78/mo
Ded: $7,500
Oscar Health Plan of Georgia Bronze Classic Standard HMO $7500 $50
Oscar Health Plan of Georgia
$374.79/mo
Ded: $7,500
Oscar Health Plan of Georgia Bronze Classic Saver Plus HMO $8000 $0
Oscar Health Plan of Georgia
$375.35/mo
Ded: $8,000
Oscar Health Plan of Georgia Bronze Simple Diabetes HMO $5500 $50
Oscar Health Plan of Georgia
$380.37/mo
Ded: $5,500
Oscar Health Plan of Georgia Bronze Simple Breathe Easy with Enhanced COPD Benefits HMO $5500 $50
Oscar Health Plan of Georgia
$380.41/mo
Ded: $5,500
Oscar Health Plan of Georgia Bronze Classic 4700 HMO $4700 $70
Oscar Health Plan of Georgia
$381.72/mo
Ded: $4,700
Blue Cross Blue Shield Healthcare Plan of Georgia Anthem Catastrophic Pathway HMO 10600 First 3 PCP Visits $40
Blue Cross Blue Shield Healthcare Plan of Georgia
$387.15/mo
Ded: $10,600
Average Premiums in Rome Area — Northwest Georgia
Avg Bronze Plan
$432/mo
26 plans
Avg Silver (Subsidy Benchmark)
$522/mo
Eligible for CSR cost reductions
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Compare plansFrequently asked questions about ACA insurance in Georgia
Which counties does this Georgia health insurance page cover?
This page covers 2 Georgia counties: Chattooga County, Floyd County. Insurers offer the same plans at the same premiums across all of them, so the 76 plans and $360.72/month starting price shown here apply to every one.
What is the health insurance marketplace in Georgia?
The Georgia (GA) health insurance marketplace is Georgia Access (https://georgiaaccess.gov/), a state-based ACA exchange where residents compare and enroll in qualified health plans. Policymage lists 76 plans with live premium data. Open Enrollment runs November 1 through January 15.
How do I compare health insurance plans in Georgia?
Use policymage.com/get-quotes: enter your ZIP code, household ages, and income. Policymage fetches ACA Marketplace plans for your county, calculates APTC subsidies, and lets you compare up to 3 plans side-by-side on premium, deductible, network, and benefits. Free, no account, no broker bias. Plans in Georgia start from $360.72/month before subsidies.
Which Medicaid plan is best in Georgia?
Georgia has not expanded Medicaid, creating a coverage gap for adults below 100% FPL. Georgia Medicaid still covers eligible children, pregnant women, parents, and people with disabilities. For ACA Marketplace plans with subsidies, shop at Georgia Access during Open Enrollment.
Is short-term health insurance available in Georgia?
Short-term health insurance is sold outside the ACA Marketplace in Georgia by private insurers. These plans are not ACA-compliant: they can exclude pre-existing conditions, skip Essential Health Benefits, and lack guaranteed renewal. For comprehensive coverage with subsidies, enroll in an ACA Marketplace plan at Georgia Access during Open Enrollment (Nov 1–January 15). See policymage.com/faq for more on short-term vs ACA plans.
How much is health insurance in GA?
Health insurance in GA starts as low as $360.72/month for a 30-year-old on a Bronze plan before subsidies. Most Georgia residents who qualify for APTC pay significantly less — some as low as $0/month for a Silver plan.
What is the cheapest health insurance option in GA for 2026?
The cheapest ACA option in GA for 2026 is typically a Bronze-tier plan or, for residents under 30, a catastrophic plan — both carry the lowest monthly premium in exchange for a higher deductible. Compare exact Georgia plans and prices at policymage.com/get-quotes.
When does Open Enrollment end in Georgia for ACA plans?
Open Enrollment for Georgia residents runs from November 1 through January 15. Georgia runs its own exchange (Georgia Access), which set the January 15 deadline. Outside Open Enrollment, you need a Qualifying Life Event to enroll in a Special Enrollment Period.
How much does ACA health insurance cost in Georgia?
Bronze-tier plans in Georgia start as low as $360.72/month for a 30-year-old before subsidies. With APTC tax credits, many Georgia residents pay $0–$50/month for Bronze coverage. Costs vary by age, county, tobacco use, and household size.
Does Georgia use HealthCare.gov or its own state exchange?
Georgia runs its own state-based Marketplace called Georgia Access (https://georgiaaccess.gov/). You enroll there directly — not at HealthCare.gov. Plan offerings, enrollment dates, and customer support are managed by Georgia, not the federal government.
Has Georgia expanded Medicaid under the ACA?
No. Georgia has not expanded Medicaid, which creates a "coverage gap" for adults earning less than 100% of the Federal Poverty Level — they typically don't qualify for Medicaid OR Marketplace tax credits. Georgia Medicaid still covers low-income children, pregnant women, parents, people with disabilities, and seniors needing long-term care.
What are the income limits for ACA subsidies in Georgia?
Premium Tax Credit eligibility starts at 100% of the Federal Poverty Level — about $15,650/year for an individual or $32,300/year for a family of 4. Georgia residents above 400% FPL still qualify if benchmark Silver costs more than 8.5% of their income. Use the Georgia Access subsidy calculator for your exact estimate.
What are the metal tiers in Georgia (Bronze, Silver, Gold, Platinum)?
Georgia ACA plans come in four metal tiers based on actuarial value (the percentage of medical costs the plan covers on average): Bronze (~60%), Silver (~70%), Gold (~80%), and Platinum (~90%). Bronze has the lowest premium and highest deductible; Platinum has the highest premium and lowest deductible. Silver is the "benchmark" tier used to calculate APTC subsidies, and it's the only tier eligible for Cost-Sharing Reductions if you qualify by income.
Are HSA-eligible plans available in Georgia?
Yes. HSA-eligible High-Deductible Health Plans (HDHPs) are available in Georgia through Georgia Access. For 2026, HDHPs must have a deductible of at least $1,650 (individual) or $3,300 (family), and you can contribute up to $4,300 (individual) or $8,550 (family) to your HSA pre-tax. HSA contributions roll over year-to-year and can be invested.
Do Georgia ACA plans cover dental and vision?
Georgia ACA Marketplace plans for adults include preventive care, mental health, prescriptions, hospitalization, and the 10 Essential Health Benefits — but adult dental and vision are not federally required. Most Georgia plans cover pediatric dental and vision automatically. For adult dental/vision, you typically buy a separate standalone plan through Georgia Access or directly from an insurer.
What is a Qualifying Life Event for Special Enrollment in Georgia?
Outside Open Enrollment, Georgia residents can enroll in or change ACA plans within 60 days of a Qualifying Life Event: loss of other health coverage, marriage or divorce, birth or adoption of a child, moving to a new county or state, a change in income that affects subsidy eligibility, becoming a US citizen, or release from incarceration. Have documentation ready when applying through Georgia Access.
How do I find in-network doctors and hospitals in Georgia?
Each Georgia ACA plan has its own provider network. Before enrolling, look up the plan on Georgia Access, click the carrier name to access their provider directory, and search for your specific doctors and preferred hospitals by name. Out-of-network care typically isn't covered (HMO plans) or costs significantly more (PPO plans). If you have an existing provider relationship, network match is usually more important than the lowest premium.
Find the Right Plan in Rome Area — Northwest Georgia
Enter your ZIP code, age, and income to see all plans available to you — with your actual subsidy applied, or see how Rome Area — Northwest Georgia compares to the Georgia state average.
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