All 159 counties · computed from state filings · proposed 2027 figures labeled
The Georgia Renewal Shock Index.
Georgia's 2027 filings propose a 20.7% average individual-market increase — one carrier asked for 54.3%, and Cigna is leaving. Here is what that moment looks like county by county: today's cheapest filed plan, the illustrative dollar impact, and the cost of shopping by premium alone — the part every Georgian can control.
The statewide picture.
+20.7%
Proposed 2027 average increase (state filings; not final)
$371–$574/mo
Cheapest filed plan, age 40, across counties (2026, unsubsidized)
$1,601/yr
Highest median wrong-plan cost (Atkinson County)
94 of 159
Counties where the median cost of premium-only shopping exceeds $0/yr
Every county, one table.
"Cheapest plan" is the lowest-premium filed 2026 plan for a 40-year-old, unsubsidized. "+20.7% would add" applies the proposed statewide average to that premium — an illustration, since final 2027 increases vary by plan and county. "Cost of premium-shopping" is the median annual amount the lowest-premium pick loses to the true-cost pick across nine care profiles and three ages (90th percentile in parentheses) — the number that's in your control regardless of what regulators approve.
| County | Cheapest plan (age 40) | +20.7% would add | Cost of premium-shopping (median · p90) | Plans filed |
|---|---|---|---|---|
| Appling | $489/mo | ~$101/mo | $1,175/yr · $2,459 | 96 |
| Atkinson | $384/mo | ~$79/mo | $1,601/yr · $3,053 | 95 |
| Bacon | $395/mo | ~$82/mo | $0/yr · $1,952 | 64 |
| Baker | $446/mo | ~$92/mo | $0/yr · $1,683 | 77 |
| Baldwin | $459/mo | ~$95/mo | $875/yr · $2,101 | 82 |
| Banks | $431/mo | ~$89/mo | $30/yr · $1,532 | 63 |
| Barrow | $541/mo | ~$112/mo | $0/yr · $1,189 | 98 |
| Bartow | $508/mo | ~$105/mo | $1,047/yr · $2,271 | 104 |
| Ben Hill | $406/mo | ~$84/mo | $0/yr · $2,110 | 85 |
| Berrien | $395/mo | ~$82/mo | $1,548/yr · $3,042 | 103 |
| Bibb | $451/mo | ~$93/mo | $820/yr · $2,190 | 83 |
| Bleckley | $451/mo | ~$93/mo | $820/yr · $2,190 | 103 |
| Brantley | $395/mo | ~$82/mo | $0/yr · $1,952 | 64 |
| Brooks | $406/mo | ~$84/mo | $0/yr · $2,110 | 85 |
| Bryan | $489/mo | ~$101/mo | $364/yr · $1,967 | 89 |
| Bulloch | $489/mo | ~$101/mo | $364/yr · $1,967 | 89 |
| Burke | $512/mo | ~$106/mo | $1,076/yr · $2,454 | 105 |
| Butts | $508/mo | ~$105/mo | $1,047/yr · $2,271 | 104 |
| Calhoun | $446/mo | ~$92/mo | $0/yr · $1,683 | 49 |
| Camden | $395/mo | ~$82/mo | $0/yr · $1,952 | 64 |
| Candler | $489/mo | ~$101/mo | $364/yr · $1,967 | 89 |
| Carroll | $574/mo | ~$119/mo | $0/yr · $1,037 | 24 |
| Catoosa | $496/mo | ~$103/mo | $0/yr · $2,053 | 58 |
| Charlton | $395/mo | ~$82/mo | $0/yr · $1,952 | 64 |
| Chatham | $489/mo | ~$101/mo | $364/yr · $1,967 | 91 |
| Chattahoochee | $486/mo | ~$101/mo | $1,259/yr · $2,624 | 107 |
| Chattooga | $406/mo | ~$84/mo | $1,534/yr · $3,030 | 75 |
| Cherokee | $508/mo | ~$105/mo | $1,047/yr · $2,271 | 123 |
| Clarke | $541/mo | ~$112/mo | $0/yr · $1,189 | 98 |
| Clay | $446/mo | ~$92/mo | $0/yr · $1,683 | 49 |
| Clayton | $508/mo | ~$105/mo | $1,047/yr · $2,861 | 120 |
| Clinch | $395/mo | ~$82/mo | $1,548/yr · $3,042 | 103 |
| Cobb | $508/mo | ~$105/mo | $1,047/yr · $2,861 | 123 |
| Coffee | $384/mo | ~$79/mo | $1,601/yr · $3,053 | 95 |
| Colquitt | $406/mo | ~$84/mo | $0/yr · $2,110 | 85 |
| Columbia | $512/mo | ~$106/mo | $0/yr · $1,852 | 87 |
| Cook | $395/mo | ~$82/mo | $1,548/yr · $3,042 | 103 |
| Coweta | $508/mo | ~$105/mo | $0/yr · $1,947 | 102 |
| Crawford | $451/mo | ~$93/mo | $820/yr · $2,190 | 103 |
| Crisp | $446/mo | ~$92/mo | $562/yr · $1,987 | 95 |
| Dade | $496/mo | ~$103/mo | $0/yr · $2,053 | 57 |
| Dawson | $431/mo | ~$89/mo | $30/yr · $1,532 | 63 |
| Decatur | $422/mo | ~$87/mo | $0/yr · $2,026 | 65 |
| DeKalb | $508/mo | ~$105/mo | $1,047/yr · $2,861 | 130 |
| Dodge | $451/mo | ~$93/mo | $820/yr · $2,190 | 103 |
| Dooly | $451/mo | ~$93/mo | $820/yr · $2,190 | 103 |
| Dougherty | $446/mo | ~$92/mo | $0/yr · $1,683 | 49 |
| Douglas | $508/mo | ~$105/mo | $1,047/yr · $2,271 | 109 |
| Early | $422/mo | ~$87/mo | $0/yr · $2,026 | 65 |
| Echols | $395/mo | ~$82/mo | $1,548/yr · $3,042 | 103 |
| Effingham | $489/mo | ~$101/mo | $364/yr · $1,967 | 89 |
| Elbert | $553/mo | ~$114/mo | $0/yr · $1,664 | 67 |
| Emanuel | $512/mo | ~$106/mo | $1,075/yr · $2,453 | 96 |
| Evans | $489/mo | ~$101/mo | $364/yr · $1,967 | 89 |
| Fannin | $503/mo | ~$104/mo | $0/yr · $1,725 | 77 |
| Fayette | $508/mo | ~$105/mo | $0/yr · $1,947 | 102 |
| Floyd | $406/mo | ~$84/mo | $1,534/yr · $3,030 | 75 |
| Forsyth | $508/mo | ~$105/mo | $1,047/yr · $2,271 | 121 |
| Franklin | $431/mo | ~$89/mo | $337/yr · $2,466 | 88 |
| Fulton | $508/mo | ~$105/mo | $1,047/yr · $2,861 | 123 |
| Gilmer | $438/mo | ~$91/mo | $0/yr · $1,721 | 88 |
| Glascock | $512/mo | ~$106/mo | $1,076/yr · $2,454 | 105 |
| Glynn | $395/mo | ~$82/mo | $0/yr · $1,952 | 44 |
| Gordon | $371/mo | ~$77/mo | $1,108/yr · $2,668 | 77 |
| Grady | $422/mo | ~$87/mo | $0/yr · $2,026 | 65 |
| Greene | $541/mo | ~$112/mo | $0/yr · $1,189 | 84 |
| Gwinnett | $520/mo | ~$108/mo | $779/yr · $2,584 | 110 |
| Habersham | $431/mo | ~$89/mo | $30/yr · $1,532 | 63 |
| Hall | $431/mo | ~$89/mo | $30/yr · $1,532 | 43 |
| Hancock | $496/mo | ~$103/mo | $1,250/yr · $2,541 | 74 |
| Haralson | $517/mo | ~$107/mo | $0/yr · $1,771 | 69 |
| Harris | $486/mo | ~$101/mo | $1,259/yr · $2,624 | 107 |
| Hart | $431/mo | ~$89/mo | $337/yr · $2,466 | 88 |
| Heard | $485/mo | ~$100/mo | $1,441/yr · $2,891 | 87 |
| Henry | $508/mo | ~$105/mo | $0/yr · $2,861 | 102 |
| Houston | $451/mo | ~$93/mo | $820/yr · $2,190 | 83 |
| Irwin | $406/mo | ~$84/mo | $0/yr · $2,110 | 85 |
| Jackson | $541/mo | ~$112/mo | $0/yr · $1,189 | 84 |
| Jasper | $508/mo | ~$105/mo | $846/yr · $2,067 | 93 |
| Jeff Davis | $384/mo | ~$79/mo | $1,601/yr · $3,053 | 95 |
| Jefferson | $512/mo | ~$106/mo | $1,076/yr · $2,454 | 105 |
| Jenkins | $512/mo | ~$106/mo | $1,076/yr · $2,454 | 88 |
| Johnson | $384/mo | ~$79/mo | $1,601/yr · $2,986 | 82 |
| Jones | $451/mo | ~$93/mo | $820/yr · $2,190 | 103 |
| Lamar | $508/mo | ~$105/mo | $1,047/yr · $2,271 | 104 |
| Lanier | $395/mo | ~$82/mo | $1,548/yr · $3,042 | 103 |
| Laurens | $416/mo | ~$86/mo | $0/yr · $2,021 | 64 |
| Lee | $446/mo | ~$92/mo | $0/yr · $1,683 | 49 |
| Liberty | $489/mo | ~$101/mo | $364/yr · $1,967 | 89 |
| Lincoln | $512/mo | ~$106/mo | $0/yr · $1,852 | 87 |
| Long | $489/mo | ~$101/mo | $364/yr · $1,967 | 89 |
| Lowndes | $395/mo | ~$82/mo | $1,548/yr · $3,042 | 103 |
| Lumpkin | $431/mo | ~$89/mo | $30/yr · $1,532 | 63 |
| Macon | $486/mo | ~$101/mo | $0/yr · $1,866 | 89 |
| Madison | $541/mo | ~$112/mo | $0/yr · $1,189 | 84 |
| Marion | $486/mo | ~$101/mo | $1,259/yr · $2,624 | 107 |
| McDuffie | $512/mo | ~$106/mo | $0/yr · $1,852 | 87 |
| McIntosh | $395/mo | ~$82/mo | $0/yr · $1,952 | 64 |
| Meriwether | $486/mo | ~$101/mo | $1,259/yr · $2,624 | 107 |
| Miller | $422/mo | ~$87/mo | $0/yr · $2,026 | 65 |
| Mitchell | $446/mo | ~$92/mo | $0/yr · $1,683 | 77 |
| Monroe | $451/mo | ~$93/mo | $820/yr · $2,190 | 103 |
| Montgomery | $416/mo | ~$86/mo | $0/yr · $2,021 | 64 |
| Morgan | $541/mo | ~$112/mo | $0/yr · $1,189 | 84 |
| Murray | $426/mo | ~$88/mo | $749/yr · $2,363 | 97 |
| Muscogee | $486/mo | ~$101/mo | $1,259/yr · $2,624 | 107 |
| Newton | $508/mo | ~$105/mo | $0/yr · $1,947 | 102 |
| Oconee | $541/mo | ~$112/mo | $0/yr · $1,189 | 98 |
| Oglethorpe | $541/mo | ~$112/mo | $0/yr · $1,189 | 84 |
| Paulding | $508/mo | ~$105/mo | $1,047/yr · $2,271 | 106 |
| Peach | $451/mo | ~$93/mo | $820/yr · $2,190 | 103 |
| Pickens | $438/mo | ~$91/mo | $0/yr · $1,721 | 102 |
| Pierce | $395/mo | ~$82/mo | $0/yr · $1,952 | 64 |
| Pike | $508/mo | ~$105/mo | $1,047/yr · $2,271 | 104 |
| Polk | $406/mo | ~$84/mo | $1,534/yr · $3,030 | 95 |
| Pulaski | $451/mo | ~$93/mo | $820/yr · $2,190 | 103 |
| Putnam | $451/mo | ~$93/mo | $820/yr · $2,190 | 103 |
| Quitman | $486/mo | ~$101/mo | $0/yr · $1,866 | 78 |
| Rabun | $431/mo | ~$89/mo | $30/yr · $1,532 | 63 |
| Randolph | $446/mo | ~$92/mo | $0/yr · $1,683 | 49 |
| Richmond | $512/mo | ~$106/mo | $1,076/yr · $2,454 | 105 |
| Rockdale | $508/mo | ~$105/mo | $0/yr · $1,947 | 102 |
| Schley | $446/mo | ~$92/mo | $562/yr · $1,987 | 95 |
| Screven | $489/mo | ~$101/mo | $1,175/yr · $2,459 | 107 |
| Seminole | $422/mo | ~$87/mo | $0/yr · $2,026 | 65 |
| Spalding | $508/mo | ~$105/mo | $1,047/yr · $2,271 | 104 |
| Stephens | $431/mo | ~$89/mo | $337/yr · $2,466 | 88 |
| Stewart | $486/mo | ~$101/mo | $1,259/yr · $2,624 | 107 |
| Sumter | $446/mo | ~$92/mo | $0/yr · $1,683 | 49 |
| Talbot | $486/mo | ~$101/mo | $1,259/yr · $2,624 | 107 |
| Taliaferro | $512/mo | ~$106/mo | $0/yr · $1,852 | 70 |
| Tattnall | $489/mo | ~$101/mo | $364/yr · $1,967 | 89 |
| Taylor | $486/mo | ~$101/mo | $1,259/yr · $2,624 | 107 |
| Telfair | $384/mo | ~$79/mo | $1,601/yr · $3,053 | 95 |
| Terrell | $446/mo | ~$92/mo | $0/yr · $1,683 | 49 |
| Thomas | $406/mo | ~$84/mo | $0/yr · $2,110 | 85 |
| Tift | $395/mo | ~$82/mo | $1,548/yr · $3,042 | 103 |
| Toombs | $416/mo | ~$86/mo | $0/yr · $2,021 | 64 |
| Towns | $431/mo | ~$89/mo | $30/yr · $1,532 | 43 |
| Treutlen | $416/mo | ~$86/mo | $0/yr · $2,021 | 64 |
| Troup | $486/mo | ~$101/mo | $1,259/yr · $2,624 | 99 |
| Turner | $395/mo | ~$82/mo | $1,548/yr · $3,042 | 103 |
| Twiggs | $451/mo | ~$93/mo | $820/yr · $2,190 | 103 |
| Union | $431/mo | ~$89/mo | $30/yr · $1,532 | 43 |
| Upson | $486/mo | ~$101/mo | $1,259/yr · $2,624 | 107 |
| Walker | $496/mo | ~$103/mo | $0/yr · $2,053 | 57 |
| Walton | $508/mo | ~$105/mo | $0/yr · $1,947 | 113 |
| Ware | $395/mo | ~$82/mo | $0/yr · $1,952 | 64 |
| Warren | $512/mo | ~$106/mo | $0/yr · $1,852 | 87 |
| Washington | $496/mo | ~$103/mo | $1,250/yr · $2,541 | 74 |
| Wayne | $395/mo | ~$82/mo | $0/yr · $1,952 | 64 |
| Webster | $486/mo | ~$101/mo | $1,259/yr · $2,624 | 107 |
| Wheeler | $384/mo | ~$79/mo | $1,601/yr · $3,053 | 95 |
| White | $431/mo | ~$89/mo | $30/yr · $1,532 | 63 |
| Whitfield | $503/mo | ~$104/mo | $0/yr · $1,725 | 58 |
| Wilcox | $451/mo | ~$93/mo | $820/yr · $2,190 | 103 |
| Wilkes | $512/mo | ~$106/mo | $0/yr · $1,852 | 70 |
| Wilkinson | $459/mo | ~$95/mo | $875/yr · $2,101 | 82 |
| Worth | $446/mo | ~$92/mo | $0/yr · $1,683 | 77 |
Source: scripts/wrong-plan-cost-evidence.ts full output, snapshot snapshot_8827361338bd…, filings as of 2026-06-03. Full methodology: plan-choice statistics · how we price plans
The 2027 questions Georgians are asking.
How much are Georgia health insurance rates going up in 2027?
State filings propose a 20.7% weighted-average increase for Georgia's individual market — one carrier requested 54.3%, and Cigna is exiting the state's individual market. These are proposed figures from the rate filings; final approved rates land this fall and are often lower than requested.
What does a 20.7% increase mean in dollars?
It depends on the county. The cheapest filed 2026 plan for a 40-year-old ranges from $371 to $574 a month across Georgia's 159 counties — so if the proposed statewide average applied uniformly, the cheapest-plan increase alone would run roughly $77–$119 a month (an illustration: final increases vary by plan and county). The bigger, controllable number is choosing the right plan at all: premium-only shopping already costs a median $556 a year in the average county.
Should I just keep my current plan and absorb the increase?
The data says re-shop: the cheapest plan changes from year to year, carriers reprice differently, and one carrier is leaving Georgia entirely — auto-renewing in a +20% year is how a manageable increase becomes an unmanageable one. Compare full-year costs, not just premiums, before renewing anything.
Where do these numbers come from?
Every figure is computed from public government rate filings: premiums are real, unsubsidized 2026 filed rates; the wrong-plan cost columns come from a deterministic whole-year simulation across nine care profiles and three ages per county, with the full methodology published on our plan-choice statistics page. Proposed 2027 figures are from state rate filings and are labeled proposed until final.
What can a small business do about this?
The renewal letter isn't the market. An ICHRA lets a company set a fixed budget and let each employee buy the individual plan that fits — and in a year like this, the difference between picking plans on premium versus full-year math is real money per person. The free audit prices an actual roster against every filed plan; if keeping what you have wins, that's the answer you'll get.
Don't absorb the increase. Compute it.
Insurf, Inc. is not a licensed insurance agency, does not sell insurance, and receives no commissions; enrollment applications are submitted by an individually licensed insurance producer. Proposed 2027 figures are from state rate filings and are not final; the dollar-impact column is an illustration applying the proposed statewide average uniformly. All other figures are modeled from filed public data under labeled assumptions — informational only, not an offer of coverage, not a recommendation to buy or drop any plan, and not financial, tax, legal, medical, coverage, or insurance advice. Projections are labeled and are not guarantees.