Georgia
Cheapest ACA plans in Emanuel County, Georgia for 2026
Plan year 2026, last refreshed 2026-04-19T08:08:55.462Z.
Emanuel County, Georgia has 7 on-exchange carriers offering 126 plans for 2026. The cheapest Bronze plan a 40-year-old can enroll in is AMGP Georgia Managed Care Company, Inc. Anthem Bronze Blue Value HMO 10600 $35 $0 Virtual PCP $0 Select Drugs at $512 per month before subsidies.
Cheapest plans by metal tier
Lowest 2026 monthly premium for a single 40-year-old in Emanuel 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 Emanuel County |
|---|---|---|
| Expanded Bronze | $512 | 37 |
| Catastrophic | $550 | 2 |
| Bronze | $582 | 7 |
| Silver | $648 | 47 |
| Gold | $672 | 33 |
The actual cheapest Bronze plan in Emanuel County
AMGP Georgia Managed Care Company, Inc. Anthem Bronze Blue Value HMO 10600 $35 $0 Virtual PCP $0 Select Drugs
$512/moFor a family of four (two 40-year-olds and two kids under 14): AMGP Georgia Managed Care Company, Inc. Anthem Bronze Blue Value HMO 10600 $35 $0 Virtual PCP $0 Select Drugs at $1,637/month before subsidies.
Carriers selling 2026 plans in Emanuel County
7 carriers sell 2026 plans on Georgia Access; 1 additional carrier offers off-exchange-only plans (not subsidy-eligible). 189 plans total in this county.
| Carrier | On-exchange plans |
|---|---|
| Ambetter of Peach State Inc. | 25 |
| Blue Cross Blue Shield Healthcare Plan of Georgia, Inc. | 24 |
| CareSource Georgia Co. | 20 |
| Oscar Health Plan of Georgia | 18 |
| Alliant Health Plans | 17 |
| UnitedHealthcare of Georgia, Inc. | 14 |
| 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 |
What you'll actually pay in Emanuel County
Estimated monthly net premium for the cheapest Bronze plan above ($512/mo before subsidy) on Georgia Access, after federal APTC. APTC is computed against the Emanuel 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% | $565/mo | $0/mo |
| $40,000 | 256% | $375/mo | $137/mo |
| $60,000 | 383% | $164/mo | $348/mo |
| $100,000 | 639% | — | $512/mo |
Family of 4 (two 40-year-olds, two children)
| Annual income | FPL % | Federal APTC | Cheapest Bronze net |
|---|---|---|---|
| $40,000 | 124% | $2,045/mo | $0/mo |
| $80,000 | 249% | $1,555/mo | $82/mo |
| $130,000 | 404% | — | $1,637/mo |
| $200,000 | 622% | — | $1,637/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 Emanuel County, Georgia for 2026?
The cheapest Bronze plan a 40-year-old can enroll in is AMGP Georgia Managed Care Company, Inc. Anthem Bronze Blue Value HMO 10600 $35 $0 Virtual PCP $0 Select Drugs at $512 per month before subsidies. Plans sell through Georgia Access. Data refreshed 2026-04-19T08:08:55.462Z.
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
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.