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Affordable Healthcare in Metro Atlanta

Atlanta, Sandy Springs, Marietta, Alpharetta, Roswell, Lawrenceville, Decatur and Cumming. Most of Georgia's Marketplace households live here, and two insurers are leaving.

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  • Free, no obligation
  • Not an insurance agency
  • Honest about the limits
Healthcare AssessmentStep 1 of 6
Who needs care?

Answer 6 quick questions to see what Direct Primary Care plus health sharing could cost your household.

Buying your own plan in Metro Atlanta

Metro Atlanta is where most Georgians who buy their own plan live, so the end of the extra federal tax credits hit hardest here. Georgia individual-plan prices rose about 34.6% on average for 2026, and insurers proposed about 20.7% more for 2027, before any tax credit (source).

The Atlanta households who call us are mostly the ones without an employer plan: consultants and contractors, real-estate and mortgage people, small-business owners in Gwinnett and Cobb, film and event crews, and couples who retired before 65.

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Cities we help in Metro Atlanta

  • Atlanta · Fulton and DeKalb counties
    Grady Memorial Hospital, Emory University Hospital, Piedmont Atlanta Hospital and Children's Healthcare of Atlanta.
  • Sandy Springs and Buckhead · Fulton County
    Northside Hospital Atlanta and the Pill Hill medical district; many consultants and small-business owners.
  • Marietta and Kennesaw · Cobb County
    Wellstar Kennestone Hospital is the county's largest; lots of contractors and trades businesses.
  • Alpharetta and Roswell · North Fulton
    Tech and corporate suburbs, with Wellstar North Fulton Hospital in Roswell.
  • Lawrenceville and Duluth · Gwinnett County
    Northside Hospital Gwinnett; a big small-business and logistics economy.
  • Decatur · DeKalb County
    Emory Decatur Hospital; many freelancers and nonprofit workers.
  • Cumming · Forsyth County
    Fast-growing northern suburb with Northside Hospital Forsyth.

Don't see your town? We help anywhere in Georgia. Tell us where you are.

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Outline simplified. This region is highlighted; tap another region's city to open its guide.

Cigna and UnitedHealthcare are leaving: what to do for 2027

Cigna and UnitedHealthcare are leaving Georgia's Marketplace at the end of 2026 (source). If your plan is one of theirs, you'll need to choose a new one during open enrollment, November 1, 2026 to January 15, 2027, through Georgia Access or an approved broker website that connects to it. A new plan may have a different network, so check your doctors.

That moment is a good time to compare everything, including the alternatives. Health sharing doesn't use a network, so you can keep seeing Emory, Piedmont, Northside or Wellstar doctors as a self-pay patient. But it isn't insurance, it phases in pre-existing conditions, and sharing isn't guaranteed. For many households, a new Marketplace plan is still the right answer.

We don't sell insurance and can't tell you which plan to choose. We can show you what the alternative would cost, so you can put the two side by side.

Who it fits here, and who should stay on insurance

Usually a good fit: healthy individuals and families who buy their own plan, self-employed people, early retirees under 65, and households whose income is too high for much Marketplace help.

Usually better on insurance: anyone who qualifies for Georgia Medicaid or PeachCare for Kids, anyone with a serious ongoing condition who needs it paid for in year one, anyone planning a pregnancy in the next nine months, anyone who needs regular mental-health therapy, and anyone whose tax credit makes an ACA plan cheap.

In this region specifically: If you or your spouse can get a good plan through a large Atlanta employer (an airline, a hospital system, a university or the state), compare it before you drop it.

Not sure which side you're on? Tell us about your household or call (770) 874-4666.

Illustrative example · October 2026

Single Alpharetta IT consultant, age 37

$179.56 /month

Member only, oldest member 30–39, $2,500 Initial Unshareable Amount per Need, non-tobacco. Combined medical cost sharing + virtual primary care membership. Optional dental savings plan from $8.95/month. Not a quote; your amount depends on your household.

See the full price table →

Questions we hear from this region

My Cigna or UnitedHealthcare Marketplace plan is ending. What should I do?

Choose a new plan through Georgia Access during open enrollment (Nov 1, 2026 to Jan 15, 2027; by Dec 15 for a Jan 1 start). If you also want to compare the alternatives, we'll show you the prices and the limits. We don't sell insurance.

Can I use Emory, Piedmont, Northside or Wellstar with health sharing?

Yes. Health sharing doesn't use a provider network, so members can use any licensed provider. You pay as a self-pay patient, then submit eligible bills. Ask for the self-pay price, and call the sharing program before planned care.

Is this health insurance?

No. Health care sharing and direct primary care are alternatives to insurance. Sharing is voluntary and not guaranteed, and it isn't Minimum Essential Coverage. Georgia has no state penalty for going without insurance.

Other regions: North Georgia · Athens & Augusta · Middle Georgia · Columbus & West Georgia · Savannah & Coastal Georgia · South Georgia

Read more: every option compared · what it costs · health sharing in Georgia · direct primary care

Written and reviewed by Graham Kerswell. Last updated October 19, 2026. Facts and prices are checked against the sources named on this page.

Sources

Compare your options in Metro Atlanta

Tell us who needs care and what you pay now. We'll walk you through the options, including when insurance is the better fit.

Get my optionsCall (770) 874-4666

Free, no obligation. Georgia households only.

Health care sharing
Health care sharing ministries are not insurance and are not regulated as insurance. Sharing of medical expenses is voluntary and not guaranteed. Review each organization's guidelines for details, limitations, and state-specific notices.

Georgia notice (O.C.G.A. § 33-1-20)
Georgia law requires a health care sharing ministry to give this notice on or with its applications and guideline materials: “Notice: The organization facilitating the sharing of medical expenses is not an insurance company, and neither its guidelines nor plan of operation is an insurance policy. Whether anyone chooses to assist you with your medical bills will be totally voluntary because no other participant will be compelled by law to contribute toward your medical bills. As such, participation in the organization or a subscription to any of its documents should never be considered to be insurance. Regardless of whether you receive any payment for medical expenses or whether this organization continues to operate, you are always personally responsible for the payment of your own medical bills.” Health care sharing is not Minimum Essential Coverage.

Direct primary care
Direct primary care is a membership with a primary care practice. Under Georgia's Direct Primary Care Act (2019), a direct primary care agreement is not insurance and is not subject to the state's insurance laws; the agreement must say in writing that it is not health insurance. A DPC membership does not pay for specialists, hospital care or emergencies, and it is not Minimum Essential Coverage.

Discount plans
THIS PLAN IS NOT INSURANCE and is not intended to replace health insurance. A discount plan provides discounts at participating providers and does not make payments to providers; the member pays the discounted fee. Discount plan organization: Careington International Corporation, 7400 Gaylord Parkway, Frisco, TX 75034. Discount plans are not ACA Qualified Health Plans.

How we're paid
We may receive compensation from some organizations we recommend. This does not change our evaluation of how they work. See our Referral Marketing Disclosure.

Not advice
This page is general information, not medical, legal, tax or financial advice. Prices are examples, not quotes; they depend on your household and can change. Affordable Healthcare Georgia is not an insurance agency and does not sell insurance. We help individuals and families explore alternatives to insurance, including direct primary care, health care sharing and discount plans.