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As in anywhere else in the country, it is quite beneficial for Georgia residents to purchase a health insurance policy to cover for expenses associated with hospitalization and medical procedures, as well as for preventive care.

There are several ways for an uninsured individual to obtain health insurance in Georgia. One would be through the group plans offered by employers to its employees and their dependents. Typically, this kind of policies offer broad coverage and even enrolls people with preexisting medical conditions who would have been denied if they purchased individual health plans. There are also certain associations who offer health insurance policies to its members. This can also be a way for the uninsured to obtain coverage through membership. Examples of associations offering this kind of benefit would the Georgia Society of Certified Public Accountants and as well as the Printing Industry Association of Georgia.

The state also guarantees renewal of health insurance policies, even if the policyholder experiences serious illnesses during the coverage. There are strict provisions and rules regarding cancellations and non-renewal of policies, and most insurance provider may only take the said actions on the event of nonpayment in the part of the policyholder. However, the state does not guarantee access to health insurance during the application process. It gives insurance providers the right to reject a certain application on the grounds of pre-existing medical conditions. To this end, most of these insurance providers require medical examination before application are processed. The health status and perceived lifestyle of the applicant may also influence the rate of premiums imposed for a particular health insurance policy.

One other unique aspect of Georgia insurance industry is the lack of a state health insurance risk pool. Unlike other states, Georgia cannot offer any state-sponsored alternative to those who are unable to obtain health plans from private insurance providers due to pre-existing health or medical conditions. Nevertheless, the state still has other options for marginalized individuals who are really unable to purchase a health insurance policy or those who recently lost theirs. Affordable primary health care are being provided by local community health clinics. Some hospitals are also required to do charitable works for tax relief purposes or residents can avail of state pharmacy assistance program with will aid in purchasing medicines. Then there are the federally-sponsored Medicare and Medicaid programs will provide insurance coverage for eligible individuals. A visit to the state health department may provide further assistance and guidance on how to avail of these programs.

Georgia law also extends some kind of assistance to elderly individuals 60 years and older. This demographic group can actually extend their insurance coverage in the event of job loss, divorce, or legal separation in which changes may be imposed on their original insurance policy.