Health insurance options in Savannah
Residents of Savannah and Chatham County buy coverage from two markets: Georgia Access, with guaranteed-issue plans from Anthem, Ambetter, Alliant, Aetna CVS Health, Kaiser Permanente, and Oscar priced on income, and the private shared-network market, with PPO plans on Cigna, Aetna and PHCS PPO priced on health. Most people in Savannah have only been shown the first.
What it costs in Savannah
A healthy 40-year-old in Savannah pays roughly $550–$850 a month full price on the marketplace in 2026, or roughly $320–$480 on a private PPO. A family of four: roughly $1,500–$2,500 marketplace full price versus $800–$1,300 private. Prices depend on age, deductible and health; see live numbers on the quoting tool.
Keeping your Savannah doctors
Marketplace plans in Georgia are increasingly HMOs tied to one hospital system. The Cigna, Aetna and PHCS PPO PPO networks include most major providers in Chatham County and work in every state — we check your specific doctors before you enroll.
The Georgia factor
Georgia runs its own marketplace, Georgia Access, and didn't expand Medicaid — so there's a real coverage gap below the subsidy line and a crowded, HMO-heavy market above it. Georgia has no state individual mandate.