Georgia · Small group · 2027
Georgia Small Group Health Insurance: 2027 Carriers, Plans and Rates
Three carriers filed 2027 small group plans in Georgia. UnitedHealthcare, Kaiser Permanente and Anthem Blue Cross and Blue Shield are selling. We found no 2027 Cigna small-group filing.
Proposed 2027 increases by carrier: Kaiser Permanente +6.0% to +7.1%; Anthem Blue Cross and Blue Shield +11.2%; UnitedHealthcare +18.5% to +19.6%. Regulators can still lower them.
Anthem Blue Cross and Blue Shield is the only carrier with public 2027 rates. UnitedHealthcare and Kaiser Permanente need a quote; their rate tables are not public.
Get quotes from all three carriersFree. We quote the carriers that didn't publish prices.
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Which carriers sell small group health plans in Georgia?
| Carrier | Networks and plan types | Where it sells | 2027 plan designs | Proposed 2027 change | Prices |
|---|---|---|---|---|---|
| UnitedHealthcareUnitedHealthcare Insurance Co. · UnitedHealthcare of Georgia · UHC of the River Valley | Networks and plan typesHMO, POS | Where it sellsNot published in public filings | 2027 plan designs60 | Proposed 2027 change+18.5% to +19.6% | PricesQuote only |
| Kaiser PermanenteHMO: Kaiser Foundation Health Plan of Georgia · PPO: Kaiser Permanente Insurance Co. | Networks and plan typesHMO, POS, PPO | Where it sellsNot published in public filings | 2027 plan designs49 | Proposed 2027 change+6.0% to +7.1% | PricesQuote only |
| Anthem Blue Cross and Blue Shield | Networks and plan typesBlue Connection EPO, POS | Where it sellsStatewide, all 16 rating areas | 2027 plan designs30 | Proposed 2027 change+11.2% | PricesPublic prices |
| Cigna | Networks and plan types- | Where it sells– | 2027 plan designs– | Proposed 2027 change– | PricesNo 2027 filing |
What each Georgia carrier filed for 2027
| Carrier | Bronze | Silver | Gold | Platinum | Plan types | New for 2027 |
|---|---|---|---|---|---|---|
| UnitedHealthcare | Bronze6 | Silver16 | Gold28 | Platinum10 | Plan typesHMO, POS | New for 202714 |
| Kaiser Permanente | Bronze6 | Silver19 | Gold20 | Platinum4 | Plan typesHMO, POS, PPO | New for 2027– |
| Anthem Blue Cross and Blue Shield | Bronze5 | Silver15 | Gold10 | Platinum– | Plan typesEPO, POS | New for 20272 |
What's changing for Georgia small group health insurance in 2027?
Average proposed 2027 changes range from +6.0% to +19.6%, as filed. Your group's change also depends on employee ages and the plan you pick.
Anthem is the only Georgia carrier with a public 2027 small-group rate table. Kaiser and UnitedHealthcare filed plans without public unit prices.
Kaiser’s two entities filed about +6% to +7% on average. UnitedHealthcare’s three entities filed about +18% to +20%.
New 2027 filings cover KP Plus, Added Choice POS, and Dual Choice PPO alongside the usual HMO and PPO.
Anthem's 2027 prices: the one public price list in Georgia
Anthem covers about 10% of Georgia small-group enrollment. Use its prices as a reference point, not a market average.
| Metal | Plans offered here | Lowest | Median | Highest |
|---|---|---|---|---|
| Bronze | Plans offered here5 | Lowest$993 | Median$1,161 | Highest$1,179 |
| Silver | Plans offered here15 | Lowest$1,017 | Median$1,205 | Highest$1,330 |
| Gold | Plans offered here10 | Lowest$1,181 | Median$1,377 | Highest$1,430 |
How employee age changes the premium
| Metal | Age 21 | Age 30 | Age 40 | Age 50 | Age 60 | Age 64+ |
|---|---|---|---|---|---|---|
| Silver | Age 21$943 | Age 30$1,070 | Age 40$1,205 | Age 50$1,684 | Age 60$2,558 | Age 64+$2,828 |
| Gold | Age 21$1,078 | Age 30$1,223 | Age 40$1,377 | Age 50$1,925 | Age 60$2,925 | Age 64+$3,233 |
Lowest Anthem price in each of Georgia's 16 rating areas
| Rating area | Lowest Bronze | Lowest Silver | Lowest Gold |
|---|---|---|---|
| Area 1: Baker, Calhoun, Clay and 9 more | Lowest Bronze$1,176 | Lowest Silver$1,235 | Lowest Gold$1,440 |
| Area 2: Barrow, Clarke, Elbert and 6 more | Lowest Bronze$1,138 | Lowest Silver$1,196 | Lowest Gold$1,394 |
| Area 3: Bartow, Butts, Cherokee and 18 more | Lowest Bronze$993 | Lowest Silver$1,017 | Lowest Gold$1,181 |
| Area 4: Carroll, Haralson, Heard | Lowest Bronze$1,272 | Lowest Silver$1,336 | Lowest Gold$1,557 |
| Area 5: Burke, Columbia, Emanuel and 9 more | Lowest Bronze$926 | Lowest Silver$948 | Lowest Gold$1,100 |
| Area 6: Bacon, Brantley, Camden and 6 more | Lowest Bronze$1,123 | Lowest Silver$1,180 | Lowest Gold$1,376 |
| Area 7: Catoosa, Dade, Walker | Lowest Bronze$1,010 | Lowest Silver$1,034 | Lowest Gold$1,201 |
| Area 8: Chattahoochee, Harris, Macon and 10 more | Lowest Bronze$961 | Lowest Silver$984 | Lowest Gold$1,142 |
| Area 9: Fannin, Murray, Whitfield | Lowest Bronze$1,010 | Lowest Silver$1,034 | Lowest Gold$1,201 |
| Area 10: Banks, Dawson, Franklin and 9 more | Lowest Bronze$1,247 | Lowest Silver$1,310 | Lowest Gold$1,527 |
| Area 11: Atkinson, Coffee, Jeff Davis and 7 more | Lowest Bronze$1,148 | Lowest Silver$1,206 | Lowest Gold$1,405 |
| Area 12: Bibb, Bleckley, Crawford and 10 more | Lowest Bronze$1,070 | Lowest Silver$1,124 | Lowest Gold$1,310 |
| Area 13: Chattooga, Floyd, Gilmer and 3 more | Lowest Bronze$1,074 | Lowest Silver$1,100 | Lowest Gold$1,277 |
| Area 14: Appling, Bryan, Bulloch and 8 more | Lowest Bronze$947 | Lowest Silver$970 | Lowest Gold$1,126 |
| Area 15: Ben Hill, Berrien, Brooks and 15 more | Lowest Bronze$1,213 | Lowest Silver$1,274 | Lowest Gold$1,485 |
| Area 16: Baldwin, Hancock, Washington and 1 more | Lowest Bronze$1,035 | Lowest Silver$1,087 | Lowest Gold$1,267 |
Georgia small group rules employers ask about
Who counts as a small employer
- 2 to 50 employees, with at least two on day one of the rating period.
- Owner-only does not qualify for small-group coverage.
Ga. Comp. R. & Regs. R. 120-2-10-.12; O.C.G.A. § 33-30-12
How premiums are set
- By age (federal 3:1 curve), tobacco up to 1.5:1, rating area and plan.
- Composite (averaged) premiums are allowed in Georgia.
45 CFR §147.102; CMS state rating; Rule 120-2-10-.12
When you can enroll
- Any month if you meet participation and contribution rules.
- Miss those rules and you can still enroll November 15 to December 15 for a January 1 start.
45 CFR §147.104
Tax credit and SHOP
- Pays up to 50% of premiums (35% tax-exempt) for fewer than 25 FTEs.
- SHOP medical runs on Georgia Access; Kaiser offered it for 2026.
IRS Small Business Health Care Tax Credit; Georgia Access
Georgia small group health insurance FAQ
Only Anthem Blue Cross and Blue Shield has published 2027 rates. For one employee age 40 in the Atlanta area, its plans run from $993 to $1,430 a month. UnitedHealthcare and Kaiser Permanente prices come from a quote.
UnitedHealthcare, Kaiser Permanente and Anthem Blue Cross and Blue Shield filed 2027 small-group plans.
Proposed averages run from +6.0% to +19.6%, depending on the carrier. Regulators can still lower them.
Their 2027 rate tables aren't public in the state's filing system. We can quote them for your group.
No. Georgia needs at least two employees on day one of the rating period. Owner-only groups use the individual market.
Only Anthem made its 2027 small-group rate table public. Kaiser and UnitedHealthcare prices come from a quote.
Small group health insurance in other states
- Texas small group health insurance
- Florida small group health insurance
- Alabama small group health insurance
- Tennessee small group health insurance
- Michigan small group health insurance
- North Carolina small group health insurance
- Maryland small group health insurance
- Virginia small group health insurance
- Louisiana small group health insurance
- Mississippi small group health insurance
- South Carolina small group health insurance
- Arkansas small group health insurance
- Arizona small group health insurance
Buying for yourself or your family instead? See the Marketplace plan directory.
Where these numbers come from
- Rates: each carrier's 2027 small-group Rates Table Template, filed in SERFF with the state insurance department, rates effective January 1, 2027. Plan names, metal levels and plan types: the carriers' Unified Rate Review Templates.
- Proposed rate changes: ratereview.healthcare.gov, small group, plan year 2027.
- Blue Cross Blue Shield Healthcare Plan of Georgia, Inc.: SERFF ATEM-134979510; actuarial memo
- Kaiser Foundation Health Plan of Georgia: SERFF KPGA-134958166; actuarial memo
- KAISER PERMANENTE INSURANCE COMPANY: SERFF KPGA-134958197; actuarial memo
- UnitedHealthcare Insurance Company: SERFF UHLC-134912453; actuarial memo; rate justification
- UnitedHealthcare of Georgia, Inc.: SERFF UHLC-134912511; actuarial memo; rate justification
- UnitedHealthcare Ins Co of River Valley: SERFF UHLC-134912523; actuarial memo; rate justification
- Share of enrollment with public prices: CMS Unified Rate Review data, 2026 projected small-group member-months.
- Ga. Comp. R. & Regs. R. 120-2-10-.12
- O.C.G.A. § 33-30-12
- Georgia Access SHOP
- 45 CFR §147.104 (enrollment windows)
- CMS Market Rating Reforms
- CMS Georgia geographic rating areas
- IRS Small Business Health Care Tax Credit
- ratereview.healthcare.gov GA 2027 Small Group
Reviewed by Jacob Guidi, licensed health insurance agent (NPN 19902041), Thrive Benefits Group.
Thrive Benefits Group is a licensed broker, not a carrier or government agency. Rates shown are filed 2027 rates for one employee before the employer contribution. Your group's quote depends on employee ages, location, plan choice and carrier rules. Proposed rate changes can still be lowered by regulators.