Medicare in Georgia: 2026 Plans, Costs, and Enrollment Guide

Georgia Medicare Snapshot

Georgia has one of the most price-competitive and geographically complete Medicare markets in the country — 156 MA plans from 14 carriers covering 159 of 160 counties for 2026 (CMS CY2026 Landscape). Georgia's plan mix leans heavily PPO: 57 PPO, 29 HMO, 18 HMO D-SNP, 12 HMO-POS, and 10 PPO D-SNP plans, reflecting intense statewide carrier competition.

The average consolidated MA premium is $10.58/month (median $0) — among the lowest in the country, with most Georgia beneficiaries finding $0-premium plans. The standard Medicare Part B premium is $202.90/month in 2026. On the supplement side, Georgia has 28 carriers offering Plan G with attained-age rating.

Plan Types Available in Georgia

Medicare Advantage (Part C)

In Georgia, 156 MA plans are available for 2026 from 14 carriers (CMS CY2026 Landscape). Plan type mix: 57 PPO, 29 HMO, 18 HMO D-SNP (dual-eligible special needs), 12 HMO-POS, and 10 PPO D-SNP. PPOs dominate, which works well for beneficiaries who want broader provider choice statewide.

County availability ranges from 98 MA plans in Clayton County (Atlanta metro) to 36 plans in Dougherty County (south Georgia). Top carriers by plan count: Humana (33 plans), Aetna Medicare (26 plans), and HealthSpring (21 plans). Georgia has notably high $0-premium plan availability.

Medigap (Medicare Supplement)

Georgia has 28 carriers offering Plan G in the TPP rate database (TPP rate DB, CY2026). The full set of 12 federally standardized plan letters (A through N, plus high-deductible variants HDG and HDF) is available statewide under standard federal rules. Georgia uses attained-age rating — premiums increase as you age.

Plan F is closed to new enrollees as of January 1, 2020 under MACRA / the 21st Century Cures Act; the same closure applies to High-Deductible Plan F (HDF) — only beneficiaries who became Medicare-eligible before January 1, 2020 may still purchase Plan F or HDF. High-Deductible Plan G (HDG) is the post-2020 high-deductible Medigap option and is offered in Georgia by 20 carriers. See our MA vs Medigap comparison →

Standalone Part D (Prescription Drug Plans)

Georgia is CMS PDP Region 10 — Georgia alone. For 2026, there are 10 standalone PDP plans from 5 carriers. Average total premium is $72.49/month (CMS CY2026 Landscape).

Costs in Georgia

Medicare Advantage Premiums

The average consolidated MA premium in Georgia is $10.58/month (median $0) (CMS CY2026 Landscape) — one of the lowest averages in the country. The standard Medicare Part B premium is $202.90/month in 2026.

The top three carriers by plan count are Humana (33 plans), Aetna Medicare (26 plans), and HealthSpring (21 plans) (CMS CY2026 Landscape). Average star rating is 3.82.

Medigap Premiums — Plan G and HDG

Medigap premiums in Georgia vary by carrier, age, gender, tobacco use, and rating method (attained-age in GA, so rates rise with age). Across the 28 carriers offering Plan G in Georgia (non-tobacco rates, ages 65–85), monthly premiums range from approximately $135 to $770/month (TPP rate database, CY2026).

High-Deductible Plan G (HDG) is offered by 20 Georgia carriers; premiums range from approximately $126 to $693/month across ages 65–85, non-tobacco rates (TPP rate database, CY2026). HDG works well for beneficiaries who want catastrophic protection at a lower monthly cost and can absorb the $2,950 deductible (2026).

Part D Costs and the LIS Benchmark

For 2026, Georgia Part D premiums average $72.49/month across 10 standalone PDP plans. The CMS Low Income Subsidy (LIS / Extra Help) benchmark premium for PDP Region 10 (Georgia) is $25.42/month (CMS CY2026 Regional Rates and Benchmarks).

Georgia-Specific Medicare Rules

Georgia Medigap Protections

Georgia follows standard federal Medigap rules. You have a 6-month Medigap Open Enrollment Period that starts the month you are both 65 or older and enrolled in Medicare Part B. During this guaranteed-issue window, insurers cannot deny you coverage or charge higher premiums based on your health history.

After this window closes, medical underwriting applies and coverage is not guaranteed. Georgia does not have a Birthday Rule or other annual switch right. Enrolling in Medigap during the initial Open Enrollment Period is especially important. GA uses attained-age rating, so when comparing carriers, ask for both current premium and a projection over 5–10 years.

Medicare Savings Programs (MSPs)

Georgia offers Medicare Savings Programs (MSPs) administered by the Georgia Department of Community Health (DCH):

• QMB (Qualified Medicare Beneficiary): Covers Part A and Part B premiums, deductibles, and cost-sharing.
• SLMB (Specified Low-Income Medicare Beneficiary): Covers Part B premiums only.
• QI (Qualifying Individual): Also covers Part B premiums; subject to annual appropriations.

Apply through your local DCH office or contact GeorgiaCares (1-866-552-4464) for free enrollment assistance. MSP enrollment also automatically qualifies you for Extra Help / LIS on Part D. Learn more about MSPs →

GeorgiaCares (Georgia SHIP)

GeorgiaCares is Georgia's State Health Insurance Assistance Program, providing free, unbiased counseling on all Medicare options statewide. Administered by the Georgia Department of Human Services Division of Aging Services.

Phone: 1-866-552-4464
Website: https://aging.georgia.gov/programs/ship

Enrolling in Medicare in Georgia

Standard Enrollment Periods

• Initial Enrollment Period (IEP): 7-month window centered on your 65th birthday month. Enroll at ssa.gov or call 1-800-772-1213.
• Annual Election Period (AEP): October 15 – December 7 each year.
• Medicare Advantage Open Enrollment Period (OEP): January 1 – March 31.
• Medigap Open Enrollment Period: 6-month guaranteed-issue window starting when you are 65+ and enrolled in Part B. After this window, medical underwriting applies (Georgia has no Birthday Rule).
• Special Enrollment Periods (SEPs): Learn more →

GeorgiaCares Counseling

Contact GeorgiaCares at 1-866-552-4464 for free one-on-one Medicare guidance statewide.

Frequently Asked Questions