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Blue Cross and Blue Shield of Georgia Individual and Family Health Insurance Plans

Georgia

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For price and coverage details

Our health plans fall into three categories.

The different insurance plan categories offer flexibility. So you can choose a health plan that’s best for you and your family based on the amount of health care you’re likely to need in the coming year. Below, you can see how costs change at each plan level.

Plan category highlights
Bronze Plans - lowest costs
$
The plan covers 60% of your health care costs*
You would be responsible for paying 40% of the costs
Silver Plans - Average costs
$$
The plan covers 70% of your health care costs*
You would be responsible for paying 30% of the costs
Gold Plans - Higher costs
$$$
The plan covers 80% of your health care costs*
You would be responsible for paying 20% of the costs

* On average. The actual percentage you’ll pay in total or per service will depend on the services you use during the year.

If you’re healthy and don’t go to the doctor often, you may want to choose a Bronze plan. With a Bronze plan, you may pay more out-of-pocket when you get care, but the advantage is that you save money on your monthly premium. Or you can choose one of the Gold plans, which may cost more per month —but you‘ll pay a smaller share when you get covered health care services.

No one knows for sure what the next year holds. That‘s why all of these plans protect you from really high costs by paying 100% of your care above a certain amount —that‘s called your out-of-pocket maximum. You‘ll be able to see the details of each plan level, once you start shopping and comparing our health insurance plans.

Health insurance from BCBSGA and insurance through the Georgia state marketplace

If you‘re eligible for financial help from the government —also called a subsidy —you can only get that subsidy if you buy a plan on your state‘s health care marketplace.

While you‘re shopping for a plan on our website, you‘ll see our subsidy calculator. It will help you figure out if you‘re eligible for a subsidy. If you qualify for a subsidy based on your income and family size we‘ll help you get to the marketplace so you can take advantage of your subsidy.

If you‘re not eligible for a subsidy, you can buy your plan directly from us. It‘s easy and convenient and most applications take less than fifteen minutes to complete.

Other choices to consider

There are also other options in your area.

Catastrophic coverage. Some people can qualify to buy a “catastrophic coverage” health plan —a plan that generally has a lower monthly payment and covers recommended preventive services. You can qualify to buy one of these plans if you‘re under 30 or if you have one of 14 hardship exemptions.

Dental coverage. Almost all of our health plans come with dental coverage for children under 18 years old. You may want to also add it for the other people on your plan. You‘ll see that choice when you start shopping. You can also look at other types of coverage you might like to add while you‘re at it.

Start shopping and comparing our health plans anytime. Just select shop now or go back to the main menu.

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