Medicare & Health Insurance in Georgia: Your 2027 Guide
We publish 2027 county guides for 3 Georgia counties. Across them, Medicare Advantage choice runs from 39 plans in Camden County to 51 in Fulton County, and 9 stand-alone Part D plans are sold statewide. People under 65 buy Marketplace coverage through Georgia Access.
Page last revised 15 October 2026. Plan data: CMS CY2027 landscape and 2027 Star Ratings.
Georgia sits directly across the St. Marys River from Nassau County, and a good share of our Georgia conversations start with someone who lives in one state and works or sees doctors in the other. We are licensed in Georgia and work with residents by phone and video.
Georgia is the one state we serve that left HealthCare.gov. Marketplace coverage here is bought through Georgia Access, the state-based exchange, so a Georgia household cannot be enrolled on HealthCare.gov. Medicare works the same as everywhere else, but the 2027 plan shelf looks different from Florida’s, with higher out-of-pocket limits in all three counties below.
Insurance Guides for Every County We Serve in Georgia
3 county guides, grouped by region. Each one carries the full 2027 Medicare Advantage plan table for that county, its star ratings, Special Needs Plans, hospitals, the stand-alone Part D options and local enrollment help.
South & Coastal Georgia
The coast from the Florida line to Savannah, closest to our Jacksonville office.
Camden County
St. Marys, Kingsland and Woodbine, just across the river from Nassau County. Medicare and Georgia Access help by phone and video.
Chatham County
Savannah, Pooler, Garden City and Tybee Island. Medicare and Georgia Access guidance by phone and video.
North Georgia: Metro Atlanta
Fulton County and the city of Atlanta, served by phone and video.
How do the Georgia counties compare for 2027?
| County | MA plans | $0 Part C | MOOP range | Median MOOP | Avg rating | SNPs | Uninsured |
|---|---|---|---|---|---|---|---|
| Camden County | 39 | 35 | $3,400–$9,850 | $9,850 | 3.94 | 28 | 8.8% |
| Chatham County | 48 | 42 | $3,400–$9,850 | $9,850 | 3.91 | 35 | 13.1% |
| Fulton County | 51 | 46 | $3,400–$9,850 | $9,850 | 3.89 | 38 | 9.7% |
Sources: CMS CY2027 landscape and 2027 Star Ratings (non-SNP Medicare Advantage); U.S. Census Bureau ACS 2023 (uninsured rate, all ages).
Stand-alone Part D plans in Georgia for 2027
9 stand-alone Part D plans are sold across Georgia (PDP region 10) for 2027, against 10 in 2026. Premiums run from $5.30 to $216.80 a month. The 2027 deductible is capped at $700 and out-of-pocket drug costs at $2,400 for the year.
| Plan | Monthly premium | Deductible | 2027 Part D rating |
|---|---|---|---|
| Humana Basic Rx Plan (PDP) | $6.30 | $700 | 4.5★ |
| Wellcare Classic (PDP) | $7.30 | $700 | 3.0★ |
| SilverScript Choice (PDP) | $145.70 | $700 | 2.5★ |
| Plan | Monthly premium | Deductible | 2027 Part D rating |
|---|---|---|---|
| Wellcare Value Script (PDP) | $5.30 | $700 | 3.0★ |
| Humana Value Rx Plan (PDP) | $55.70 | $687 | 4.5★ |
| Humana Premier Rx Plan (PDP) | $146.30 | $350 | 4.5★ |
Source: CMS CY2027 landscape (PDP rows); 2027 Part D summary ratings. Sorted by premium.
Georgia programs and rules worth knowing
- Marketplace: Georgia Access (state-based Marketplace). Georgia households enroll through Georgia Access, a certified agent or a web broker.
- Medicaid: Georgia Department of Community Health (Georgia Medicaid). Georgia has not adopted the ACA Medicaid expansion (KFF, October 2026).
- Medicare Savings Programs: the state Medicaid agency above takes applications for help paying Part B premiums. Check the 2026 federal limits with our Medicare Savings Program estimator.
- Medigap in Georgia: your federal six-month open enrollment applies; ask the Georgia Office of Commissioner of Insurance about any additional state rights.
Georgia: frequently asked
Sources & methodology
- CMS — Prescription Drug Coverage: CY2026 and CY2027 MA / Part D Landscape Source Files (Downloads) · CY2026 and CY2027, pulled 15 October 2026
- CMS — Part C and D Performance Data (2027 Star Ratings, released October 2026) · 2027
- Medicare.gov — Costs for Medicare drug coverage · 2026–2027
- KFF (analyst source) — Status of State Action on the Medicaid Expansion Decision, October 2026 · October 2026
- HealthCare.gov — Medicaid expansion & what it means for you · current
- Medicare.gov — When can I buy Medigap? · federal rule
- Georgia Office of Commissioner of Insurance — Georgia Access · 2026 plan year
- U.S. Census Bureau — American Community Survey 2023 5-year estimates · ACS 2023
County figures are non-SNP Medicare Advantage plans from the CMS landscape file; see each county guide for the method. Stand-alone Part D plans are listed for PDP region 10, which covers all of Georgia. Pulled through the Ambrose Insurance Brain on 15 October 2026.
Compiled by the McDowell Business Resources Data Desk. Last reviewed: October 2026.
Help anywhere in Georgia, at no cost
Free, no-pressure help comparing Medicare, Marketplace, life and supplemental coverage. Call or book a time that suits you.
Medicare TPMO disclaimer: We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.
McDowell Business Resources is not affiliated with or endorsed by the U.S. government, the federal Medicare program, or CMS.
This page is general education, not insurance, tax, legal or investment advice. Figures are dated where shown and can change; your situation may differ, and product availability varies by state and carrier. McDowell Business Resources (MBR Insurance & Financial Services) is an independent agency, not an insurance carrier.