Georgia
Cheapest ACA plans in Albany, Georgia for 2026
Plan year 2026, last refreshed 2026-04-19T08:08:55.462Z.
Albany is in Dougherty County, Georgia. 6 carriers sell 2026 ACA plans on Georgia Access for residents of Dougherty County, and the cheapest Bronze plan a 40-year-old can enroll in starts at $446/month before any subsidy. Carriers are licensed and rated at the county level, so the plans below cover everyone in Dougherty County, including Albany.
Cheapest plans by metal tier
Lowest 2026 monthly premium for a single 40-year-old in Albany (Dougherty County), on-exchange, before any subsidy. Per-age figures derived from the CMS QHP Landscape file using the HHS standardized age-rating curve (45 CFR 147.102).
| Tier | Cheapest age 40 monthly | Plans in Dougherty County |
|---|---|---|
| Expanded Bronze | $446 | 31 |
| Bronze | $540 | 3 |
| Silver | $560 | 34 |
| Gold | $624 | 25 |
| Catastrophic | $741 | 1 |
| Platinum | $803 | 2 |
The actual cheapest Bronze plan in Albany
Alliant Health Plans SoloCare Exp Bronze HMO $9500 50%
$446/moFor a family of four (two 40-year-olds and two kids under 14): Alliant Health Plans SoloCare Exp Bronze HMO $9500 50% at $1,426/month before subsidies.
Carriers selling 2026 plans in Albany
6 carriers sell 2026 plans on Georgia Access for Dougherty County residents; 2 additional carriers offer off-exchange-only plans (not subsidy-eligible). 150 plans total in Dougherty County.
| Carrier | On-exchange plans |
|---|---|
| Ambetter of Peach State Inc. | 25 |
| CareSource Georgia Co. | 20 |
| Oscar Health Plan of Georgia | 18 |
| Alliant Health Plans | 13 |
| Blue Cross Blue Shield Healthcare Plan of Georgia, Inc. | 12 |
| AMGP Georgia Managed Care Company, Inc. | 8 |
Also selling off-exchange only
These carriers sell plans directly (not through Georgia Access). Off-exchange plans are not eligible for federal APTC or state subsidies.
| Carrier | Off-exchange plans |
|---|---|
| Peach State Health Plan, Inc. | 30 |
| UnitedHealthcare of Georgia, Inc. | 8 |
What you'll actually pay in Albany
Estimated monthly net premium for the cheapest Bronze plan above ($446/mo before subsidy) on Georgia Access, after federal APTC. APTC is computed against the Dougherty Countybenchmark Silver per 26 USC §36B. Approximate; exact net varies by plan's EHB% and child-rate structure.
Single 40-year-old
| Annual income | FPL % | Federal APTC | Cheapest Bronze net |
|---|---|---|---|
| $25,000 | 160% | $490/mo | $0/mo |
| $40,000 | 256% | $300/mo | $146/mo |
| $60,000 | 383% | $89/mo | $357/mo |
| $100,000 | 639% | — | $446/mo |
Family of 4 (two 40-year-olds, two children)
| Annual income | FPL % | Federal APTC | Cheapest Bronze net |
|---|---|---|---|
| $40,000 | 124% | $1,805/mo | $0/mo |
| $80,000 | 249% | $1,315/mo | $111/mo |
| $130,000 | 404% | — | $1,426/mo |
| $200,000 | 622% | — | $1,426/mo |
FPL = Federal Poverty Level. APTC = Advance Premium Tax Credit (the federal subsidy). Off-exchange and Catastrophic plans are not APTC-eligible. Enter your real income on the home page to see plan-specific net premium with the per-plan EHB-percent cap applied.
Frequently asked questions
What is the cheapest ACA plan in Albany, Georgia for 2026?
The cheapest Bronze plan a 40-year-old can enroll in is Alliant Health Plans SoloCare Exp Bronze HMO $9500 50% at $446 per month before subsidies. Plans sell through Georgia Access. Albany is in Dougherty County, Georgia; carriers are licensed and rated at the county level. Data refreshed 2026-04-19T08:08:55.462Z.
How does Albany's 2026 ACA pricing compare to other Georgia cities?
Cheapest Bronze for a 40-year-old in Albany is $446 per month before subsidies. For comparison: Atlanta at $508/mo; Savannah at $489/mo; Macon at $451/mo. Different cities can have different cheapest plans because plans are sold per county and carrier participation varies by jurisdiction.
Is Georgia on Healthcare.gov or Georgia Access for 2026?
Georgia Access. Georgia transitioned from Healthcare.gov to its own State-Based Exchange for PY2025, and PY2026 is Georgia Access's second year. Healthcare.gov no longer serves Georgia residents. Consumers who were on Healthcare.gov were auto-migrated to Georgia Access ahead of PY2025.
How is Georgia Access different from Healthcare.gov?
Georgia Access uses a decentralized enrollment model: consumers can enroll through the state portal at georgiaaccess.gov, through Enhanced Direct Enrollment web brokers, directly with insurance carriers, or through certified agents and navigators. Healthcare.gov used a single federal portal with a limited broker pathway. Plans, subsidies, and coverage terms are federally governed either way.
I earn less than the poverty line. Why can't I get a subsidy?
Because Georgia has not expanded Medicaid, APTC eligibility still starts at 100% FPL. Adults below 100% FPL who don't qualify for traditional Medicaid or Pathways fall into the coverage gap. Georgia Pathways to Coverage covers adults up to 100% FPL with an 80-hour-per-month work requirement, but enrollment has been far below the ~359,000 coverage-gap population.
More Georgia pricing
- Statewide Georgia pricing and metal tiers
- Atlanta pricingcheapest Bronze $508/mo
- Savannah pricingcheapest Bronze $489/mo
- Macon pricingcheapest Bronze $451/mo
Sources
- Georgia Access for SBE enrollment, OEP dates, and the decentralized-enrollment partner list.
- Georgia OCI: 1332 Waiver for the State Reinsurance Program and Georgia Access Model.
- CMS 1332 Georgia Fact Sheet for federal approval of the reinsurance and SBE model.
- Georgia DCH: Pathways to Coverage for the §1115 work-requirement demonstration covering 19-64 up to 100% FPL.
Plan year 2026, last refreshed 2026-04-19T08:08:55.462Z. Full pricing pipeline + regulatory references at methodology; ACA terminology in the glossary.