Medicare in Georgia

Medicare enrollment in Georgia

As of February 2026, there were 2,012,298 people enrolled in Medicare in Georgia.¹

For most individuals, enrolling in Medicare benefits goes along with turning 65 years old. But over 6.5 million individuals under the age of 65 also have Medicare coverage.² This is because Medicare eligibility is also triggered once a person has been receiving disability benefits for 24 months, or if they’ve been diagnosed with end-stage renal disease (ESRD) or amyotrophic lateral sclerosis (ALS).

Nationwide, about 9% of Medicare beneficiaries are under age 65:² for beneficiaries of Medicare in Georgia, it’s 11%.¹

• Read about Medicare’s open enrollment period and other important enrollment deadlines.
• Learn how Georgia’s Medicaid program can provide assistance to Medicare beneficiaries with limited income and assets.

Medicare Advantage plan availability and enrollment in Georgia

Medicare Advantage plans are offered by private insurers and plan availability varies from one county to another. Medicare Advantage plans are available in all counties in Georgia, and the average Medicare beneficiary in Georgia can choose from among 47 Medicare Advantage plans in 2026.³

Medicare Advantage enrollment had increased to more than 56% of the state’s Medicare population by February 2026. At that point, 1,129,807 Georgia Medicare beneficiaries had Medicare Advantage coverage¹

The other 882,491 Georgia Medicare beneficiaries had coverage under Original Medicare instead at that point.¹

Learn more about Medicare Advantage, Medicare’s annual open enrollment period, and the Medicare Advantage open enrollment period.

Sources: Medicare Advantage 2026 Spotlight: A First Look at Plan Offerings, KFF.org, Dec. 9, 2025; Fact Sheet: Medicare Open Enrollment for 2026, Centers for Medicare & Medicaid Services. Sep. 26, 2025

Medicare supplement (Medigap) plan availability in Georgia

Medigap plans are sold by private insurers, but they’re standardized under federal rules⁴ and regulated by state laws and insurance commissioners. There are 25 insurers that offer individual Medigap plans in Georgia in 2026.⁵ Details about the insurers that offer Medigap plans in Georgia are available through the Plan Finder tool on the Medicare.gov website.

According to an AHIP analysis, there were 373,397 people covered by Medigap plans in Georgia as of 2023.⁶

Learn more about what Medigap plans cover and how they’re regulated.

In Georgia, Medigap insurers have been prohibited from using attained-age rating for plans issued since 2009,⁷, meaning premiums cannot be based on the enrollee’s current age. So most Medigap plans in the state use issue-age rating, although some opt for community rating. (Georgia is one of four states where attained-age rating is prohibited; there are also nine states where Medigap insurers are required to use community rating. But most states do not dictate rules on which rating approach insurers use.)⁸

Federal rules require Medigap insurers to offer plans on a guaranteed-issue basis during an enrollee’s open enrollment period, which begins when the person is at least 65 years old and enrolled in Medicare Part B. (You have to be enrolled in both Medicare Part A and Part B to obtain Medigap, but some people delay enrollment in Medicare Part B if they continue to receive employer-sponsored coverage to supplement Medicare Part A.) Despite the fact that over 6.5 million Medicare beneficiaries nationwide are not yet 65,​​⁹​​ there is no federal requirement that Medigap insurers offer plans to people who are under age 65.¹⁰ However, the state of Georgia does require insurers to offer Medigap to those under 65.¹¹

In Georgia, Medigap insurers must offer their plans on a guaranteed-issue basis to anyone who enrolls in Medicare Part B (and also has Medicare Part A coverage), regardless of age.¹²

Georgia’s statute clarifies that people under age 65 can be charged higher premiums, but that the premium variation “shall not be excessive, inadequate, or unfairly discriminatory and shall be based on sound actuarial principles and reasonable in relation to the benefits provided.”¹² Even with that parameter, Medigap rates are substantially higher for Georgia residents under the age of 65; rate filings are available in SERF and on Medicare’s plan finder tool. Most Georgia Medigap insurers are charging under-65 enrollees between three and ten times as much as they charge enrollees who are 65.¹³

Disabled Medicare beneficiaries have access to another Medigap open enrollment period when they turn 65. At that point, they can obtain a plan with the standard age-65 rates.

Learn how Medigap plans are regulated and standardized.

Medicare Part D plan availability and enrollment in Georgia

There are 10 stand-alone Medicare Part D plans for sale in Georgia in 2026, with premiums that start at $0 per month.¹⁴

As of February 2026, there were 572,628 Medicare beneficiaries enrolled in stand-alone Medicare Part D prescription drug plans in Georgia, and another 1,047,104 beneficiaries who had Medicare Part D coverage integrated with their Medicare Advantage plans.¹⁵

Learn how Medicare Part D prescription drug coverage works, what it pays for, how and when to enroll.

Source: Fact Sheet: Medicare Open Enrollment for 2026, Centers for Medicare & Medicaid Services. Sep. 26, 2025

Resources for Medicare beneficiaries in Georgia

Have questions about Medicare enrollment or Medicare eligibility in Georgia?

• Need help with your Medicare coverage enrollment, or understanding your Medicare eligibility in Georgia? You can contact the State Health Insurance Assistance Program with questions related to Medicare enrollment in Georgia.
• The Medicare Rights Center website is a nationwide resource for information, with helpful content geared to Medicare beneficiaries, caregivers, and professionals.