Georgia Health Insurance

Some Georgia residents have a shaky relationship with health insurance due to high costs, but with the Affordable Care Act’s new regulations rolling out, a number of Georgia residents can benefit from widely available and affordable options. The Simple Dollar aims to keep residents of The Peach State informed and empowered with information and resources about health insurance in Georgia.

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Stats in Your State

To learn more about Georgia's health insurance rates, read through the graphs and data below. State and national averages on insurance rates can clue you into whether you’re paying more than you should.

Chip Medicaid

Over 1.3 million Georgia children were enrolled in government administered health insurance plans in 2009, with that number increasing by nearly 50,000 more children in 2010.

Individual Health Insurance Premiums

Georgia health insurance costs for single payer employee plans in 2011 were higher than its neighboring states and higher than the national average by $150.

Family Health Insurance Premiums

Although its single-payer premiums were higher than its neighbors, family health plans for Georgia residents cost hundreds less than its neighboring Southeast states in 2011.

SAHIE Health Insurance Uninsured

The Census Bureau estimated that nearly 1 out of 6 Georgia residents has gone without health insurance between 2005 and 2010, with nearly 2 million residents going uninsured in 2010. This underlines the need for affordable health care options in Georgia.

Rules in Your State

Health insurance rules change drastically from state to state; this is certainly the case for Georgians. To learn more about the regulations and rules for health insurance in Georgia, check through the resources and details below.

Health Insurance Regulations in Georgia

Official Code of Georgia: Title 33 of the Code of Georgia sets forth the regulations and statutes governing insurance companies, policies, and requirements of the industry.

Georgia Insurance Unfair Trade Practices: The Georgia Code specifies unfair practices that insurers may not use when settling claims, which are listed below in the excerpt from the relevant statute.

Drinking in Georgia: Alcohol & Your Health Insurance

Health care plans addressing alcohol-related disorders must be offered, and Georgia has somewhat more favorable legislation around alcohol-related disorders than most states. The specifics of how these affect insurance are listed below.

Health Insurance Parity for Alcohol-Related Treatment

  • Health plans must offer coverage for treatment of alcohol-related disorders, but if a customer chooses not to pay for such coverage, insurers are not required to provide the same levels of benefits for alcohol-related disorders as they do for medical and surgical conditions.
  • Health plans covering alcohol-related disorders may NOT be subject to higher deductibles, higher premiums, and restrictive limits on lifetime treatment for alcohol-related disorders than for medical and surgical coverage. Health plans may be subject to higher co-pays for treatment of alcohol-related disorders.

Losses Due to Intoxication

Denial of health benefits are specifically permitted, meaning an insurer is allowed to deny your claim if it was caused by or involved alcohol.

Representatives & Resources in Your State

If you're a Georgian seeking help with a particular health or health insurance issue, use the resources below to get the answers you're looking for. From consumer advocacy to how to get to your state's insurance department, The Simple Dollar has brought together resources to help you get better health insurance coverage.

Office of Insurance and Safety Fire Commissioner
Consumer Services Division
2 Martin Luther King, Jr. Drive
West Tower, Suite 716
Atlanta, Georgia 30334
(404) 656-2070
Contact Information
Get Directions
Health Insurance Information for Consumers
The Insurance Commissioner’s office has compiled a great resource for information on health insurance in Georgia, which can be found through the above link.
Consumer Complaint Portal
Use the above link to contact the Insurance Commissioner to file a complaint against a specific insurance company.

Georgia Department of Public Health
Two Peachtree Street, NW
Atlanta, Georgia 30303-3186
(404) 657-2700
Contact Info Page
Get Directions
The Georgia Department of Public health provides information and statistics on the health quality of Georgia’s residents, informational awareness of good health practices, hazards, and more info to keep Georgia residents healthy.

Georgia Department of Human Services
DHS Commissioner’s Office
Commissioner Clyde L. Reese, III, Esq.
2 Peachtree Street, NW
Suite 29-250
Atlanta, Georgia 30303
(404) 656-5680
Contact Info Page
Get Directions
The Department of Human Services looks out for the safety and well being of its residents, primarily at-risk youth and elderly who cannot care for themselves.

PeachCare for Kids (CHIP)
PeachCare For Kids®
P.O. Box 2583
Atlanta, GA 30301-2583
(404) 463-8370
Contact Info Page
PeachCare for Kids is Georgia’s Children’s Health Insurance Program (CHIP), and provides health insurance for qualifying low-income families and their children.