ACA plans available
49
Plan year
2026 data Public-data reference. official source
Columbia, Wisconsin Health Insurance
Open-data reference.
49 ACA plans from 4 issuers — Plan year 2026
Columbia, Wisconsin offers 49 ACA marketplace plans from 4 issuers for plan year 2026. Bronze plans start at $371/mo and Silver plans start at $475/mo (age 27, before subsidies). Use the tables below to compare premiums, deductibles, and issuers across all metal tiers.
$537
Avg Silver Premium/mo
$481
Benchmark Premium/mo
+18.8%
Year-over-Year Change
$5,904
Avg Deductible
What the Numbers Say About Columbia
Columbia, Wisconsin has 49 ACA marketplace plans offered by 4 issuers for plan year 2026. The average Silver-tier premium comes in at $537/mo for a 27-year-old non-tobacco user, with the lowest Silver at $475 and the highest at $598. Bronze plans start at $371/mo — useful for healthy enrollees who want catastrophic protection with the lowest monthly outlay.
The benchmark (second-lowest Silver) premium is $481/mo, the figure the IRS uses to calculate your Advance Premium Tax Credit. Enrollees whose expected income-based contribution falls below this amount receive a subsidy for the difference. Across all plans, the average annual deductible is $5,904 and the average out-of-pocket maximum is $9,032 — numbers that matter more than the sticker premium once you actually use care. Year-over-year, average premiums in Columbia shifted by +18.8%, a signal of how local issuer pricing and risk-pool dynamics are trending.
Issuer count is one of the strongest predictors of affordability: with 4 issuers active in Columbia, consumers have meaningful competition to pressure premiums lower. This page is informational only and is not insurance, medical, or tax advice — verify your eligibility, network coverage, and final pricing at HealthCare.gov before enrolling. Source: CMS Marketplace PUF, plan year 2026.
Premiums by Metal Level
Bronze
4 plans$400/mo avg
$371 — $430
Silver
16 plans$537/mo avg
$475 — $598
Gold
14 plans$555/mo avg
$502 — $636
Catastrophic plan available: avg $360/mo (2 plans) — only for individuals under 30 or with a hardship exemption.
Benchmark Premium & Subsidies
The benchmark premium (2nd-lowest Silver plan) in Columbia is $481/mo for a 27-year-old. This is the amount used to calculate your premium tax credit. If your expected contribution (based on income) is less than the benchmark, you receive a subsidy for the difference. The higher the benchmark, the larger the potential subsidy.
Issuers in market
4
Competitive market
Benchmark Silver
$481 /mo
Sets your subsidy ceiling
Avg deductible
$5,904
Across all metal tiers
Columbia ACA plans by premium and deductible
Each marker is the Columbia average for one metal tier (and the local Bronze low / Silver high extremes where data is available). The dashed line marks the federal out-of-pocket-maximum ceiling.
Source: CMS Marketplace PUF for Columbia, plan year 2026. Bronze = catastrophic-only zone (high deductible). Gold/Platinum = premium-heavy zone (low deductible).
Issuers in Columbia
| Issuer | Plans | Avg Premium (Age 27) |
|---|---|---|
| Quartz | 19 | $536/mo |
| Aspirus Health Plan | 12 | $446/mo |
| Dean Health Plan | 9 | $459/mo |
| Group Health Cooperative-SCW | 9 | $483/mo |
All Plans in Columbia
| Plan Name | Metal | Type | Premium (27) | Premium (40) | Deductible | OOP Max |
|---|---|---|---|---|---|---|
| HMO Catastrophic 10600 with 3 free PCP visits Aspirus Health Plan | Catastrophic | HMO | $295.65 | $360.54 | $10,600 | $10,600 |
| QUARTZ ONE ACHIEVE W/UW HEALTH CATASTROPHIC $10,600 DED Quartz | Catastrophic | HMO | $424.57 | $517.75 | $10,600 | $10,600 |
| HMO Bronze 10000 Aspirus Health Plan | Bronze | HMO | $370.50 | $451.81 | $10,000 | $10,000 |
| Partners HMO Bronze 6000 Ded/10600 MOOP HSA Group Health Cooperative-SCW | Bronze | HMO | $389.04 | $474.42 | $6,000 | $10,600 |
| Partners HMO Bronze 10600 Ded/10600 MOOP HSA Group Health Cooperative-SCW | Bronze | HMO | $410.16 | $500.18 | $10,600 | $10,600 |
| POS Bronze 8500 Aspirus Health Plan | Bronze | POS | $429.69 | $523.99 | $8,500 | $9,500 |
| Dean Bronze Share Dean Health Plan | Expanded Bronze | HMO | $314.83 | $383.93 | $8,000 | $10,600 |
| Dean Bronze $0 Copay PCP Visits Dean Health Plan | Expanded Bronze | HMO | $346.13 | $422.09 | $7,500 | $10,600 |
| Dean Expanded Bronze Standard Dean Health Plan | Expanded Bronze | HMO | $370.35 | $451.63 | $7,500 | $10,000 |
| HMO Bronze 7500 Aspirus Health Plan | Expanded Bronze | HMO | $383.39 | $467.53 | $7,500 | $10,000 |
| QUARTZ ONE ACHIEVE W/UW HEALTH BRONZE $10,150 DED Quartz | Expanded Bronze | HMO | $404.48 | $493.25 | $10,150 | $10,600 |
| Partners HMO Bronze 7500 Ded/10000 MOOP HSA Group Health Cooperative-SCW | Expanded Bronze | HMO | $413.32 | $504.03 | $7,500 | $10,000 |
| QUARTZ ONE ACHIEVE W/UW HEALTH BRONZE (DENTAL & VISION) $10,150 DED Quartz | Expanded Bronze | HMO | $418.10 | $509.86 | $10,150 | $10,600 |
| HMO Bronze $0 Medical Deductible Aspirus Health Plan | Expanded Bronze | HMO | $422.28 | $514.96 | $0 | $10,600 |
| POS Bronze 7500 Aspirus Health Plan | Expanded Bronze | POS | $434.54 | $529.90 | $7,500 | $10,000 |
| QUARTZ ONE ACHIEVE W/UW HEALTH BRONZE STANDARD EASY PRICING Quartz | Expanded Bronze | HMO | $441.00 | $537.78 | $7,500 | $10,000 |
| QUARTZ ONE ACHIEVE W/UW HEALTH BRONZE $0 MEDICAL DED Quartz | Expanded Bronze | HMO | $455.44 | $555.39 | $0 | $10,400 |
| QUARTZ ONE ACHIEVE W/UW HEALTH BRONZE (DENTAL & VISION) STANDARD EASY PRICING Quartz | Expanded Bronze | HMO | $455.85 | $555.89 | $7,500 | $10,000 |
| QUARTZ ONE ACHIEVE W/UW HEALTH BRONZE (DENTAL & VISION) $0 MEDICAL DED Quartz | Expanded Bronze | HMO | $470.78 | $574.10 | $0 | $10,400 |
| HMO Silver 6000 Aspirus Health Plan | Silver | HMO | $474.93 | $579.16 | $6,000 | $8,900 |
| HMO Silver 6600 Aspirus Health Plan | Silver | HMO | $481.05 | $586.62 | $6,600 | $8,600 |
| HMO HDHP Silver 5900 Aspirus Health Plan | Silver | HMO | $496.60 | $605.59 | $5,900 | $5,900 |
| Dean Silver $0 Copay PCP Visits Dean Health Plan | Silver | HMO | $500.12 | $609.88 | $3,500 | $10,450 |
| Dean Silver Share Dean Health Plan | Silver | HMO | $511.34 | $623.56 | $3,525 | $8,850 |
| Partners HMO Silver 6000 Ded/8900 MOOP Group Health Cooperative-SCW | Silver | HMO | $512.35 | $624.80 | $6,000 | $8,900 |
| Partners HMO Silver 5500 Ded/8500 MOOP with Vision Group Health Cooperative-SCW | Silver | HMO | $517.32 | $630.85 | $5,500 | $8,500 |
| Dean Silver Standard Dean Health Plan | Silver | HMO | $523.21 | $638.03 | $6,000 | $8,900 |
| POS Silver 6000 Aspirus Health Plan | Silver | POS | $537.69 | $655.69 | $6,000 | $8,900 |
| Partners HMO Silver 5975 Ded/5975 MOOP HSA Group Health Cooperative-SCW | Silver | HMO | $562.68 | $686.17 | $5,975 | $5,975 |
| QUARTZ ONE ACHIEVE W/UW HEALTH SILVER $8,000 DED Quartz | Silver | HMO | $564.13 | $687.93 | $8,000 | $9,900 |
| QUARTZ ONE ACHIEVE W/UW HEALTH SILVER $9,000 DED Quartz | Silver | HMO | $565.24 | $689.29 | $9,000 | $10,250 |
| QUARTZ ONE ACHIEVE W/UW HEALTH SILVER STANDARD EASY PRICING Quartz | Silver | HMO | $578.42 | $705.37 | $6,000 | $8,900 |
| QUARTZ ONE ACHIEVE W/UW HEALTH SILVER (DENTAL & VISION) $8,000 DED Quartz | Silver | HMO | $583.13 | $711.11 | $8,000 | $9,900 |
| QUARTZ ONE ACHIEVE W/UW HEALTH SILVER (DENTAL & VISION) $9,000 DED Quartz | Silver | HMO | $584.28 | $712.51 | $9,000 | $10,250 |
| QUARTZ ONE ACHIEVE W/UW HEALTH SILVER (DENTAL & VISION) STANDARD EASY PRICING Quartz | Silver | HMO | $597.91 | $729.13 | $6,000 | $8,900 |
| Partners HMO Gold 1500 Ded/8000 MOOP with Vision Group Health Cooperative-SCW | Gold | HMO | $501.52 | $611.58 | $1,500 | $8,000 |
| Dean Gold Share Dean Health Plan | Gold | HMO | $504.29 | $614.96 | $2,500 | $5,900 |
| HMO Gold 2700 Aspirus Health Plan | Gold | HMO | $510.81 | $622.91 | $2,700 | $7,000 |
| HMO Gold 2000 Aspirus Health Plan | Gold | HMO | $514.49 | $627.40 | $2,000 | $8,200 |
| Partners HMO Gold 2000 Ded/8200 MOOP Group Health Cooperative-SCW | Gold | HMO | $519.48 | $633.48 | $2,000 | $8,200 |
| Partners HMO Gold 4000 Ded/4000 MOOP HSA Group Health Cooperative-SCW | Gold | HMO | $522.65 | $637.35 | $4,000 | $4,000 |
| Dean Gold Standard Dean Health Plan | Gold | HMO | $522.87 | $637.62 | $2,000 | $8,200 |
| Dean Gold HSA Dean Health Plan | Gold | HMO | $534.63 | $651.97 | $3,400 | $4,400 |
| QUARTZ ONE ACHIEVE W/UW HEALTH GOLD $4,000 DED Quartz | Gold | HMO | $568.43 | $693.18 | $4,000 | $8,000 |
| QUARTZ ONE ACHIEVE W/UW HEALTH GOLD (DENTAL & VISION) $4,000 DED Quartz | Gold | HMO | $587.57 | $716.53 | $4,000 | $8,000 |
| QUARTZ ONE ACHIEVE W/UW HEALTH GOLD MAINTENANCE $700 DED Quartz | Gold | HMO | $606.47 | $739.57 | $700 | $9,300 |
| QUARTZ ONE ACHIEVE W/UW HEALTH GOLD STANDARD EASY PRICING Quartz | Gold | HMO | $614.83 | $749.77 | $2,000 | $8,200 |
| QUARTZ ONE ACHIEVE W/UW HEALTH GOLD MAINTENANCE (DENTAL & VISION) $700 DED Quartz | Gold | HMO | $626.90 | $764.48 | $700 | $9,300 |
| QUARTZ ONE ACHIEVE W/UW HEALTH GOLD (DENTAL & VISION) STANDARD EASY PRICING Quartz | Gold | HMO | $635.54 | $775.02 | $2,000 | $8,200 |
Silver Premium Trend (2022-2026)
| Year | Avg Premium | Min | Max | Plans | Issuers |
|---|---|---|---|---|---|
| 2022 | $430/mo | $402 | $483 | 19 | 4 |
| 2023 | $474/mo | $367 | $578 | 33 | 5 |
| 2024 | $461/mo | $381 | $543 | 23 | 5 |
| 2025 | $483/mo | $409 | $574 | 19 | 5 |
| 2026 | $537/mo | $475 | $598 | 16 | 4 |
Health Insurance Guides
Choosing a Metal Level
Bronze vs Silver vs Gold vs Platinum — which tier fits your needs and budget
Understanding ACA Subsidies
How premium tax credits work and how to estimate your subsidy amount
Related Health & Cost Data
Find Doctors
PlainDoctor — Healthcare providers in Wisconsin
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PlainHospital — CMS star ratings and safety scores
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PlainMedicare — Medicare Advantage and Part D data
Community Health Data
PlainHealth — CDC community health indicators
Health Access Metrics
PlainHealthAccess — Uninsured rates and provider shortages
Cost of Living
PlainCost — BEA regional price parities
Homeowners Insurance
PlainInsure — Treasury FIO premiums
Frequently Asked Questions
How many ACA plans are available in Columbia, WI?
There are 49 ACA marketplace plans available in Columbia from 4 insurance issuers for plan year 2026.
What is the cheapest health insurance plan in Columbia?
The lowest-premium plan in Columbia starts at $371/mo (Bronze tier, age 27). Silver plans start at $475/mo. Actual premiums vary by age and may be reduced by premium tax credits.
What is the benchmark premium for Columbia?
The benchmark (second-lowest Silver) premium in Columbia is $481/mo for a 27-year-old. This amount determines how much premium tax credit subsidy you may be eligible for.
How have premiums changed in Columbia?
Average premiums in Columbia changed by +18.8% year-over-year. Premium trends are tracked from 2022 to 2026 across all metal levels.
What is the average deductible and out-of-pocket maximum in Columbia?
The average annual deductible across all plans in Columbia is $5,904, and the average out-of-pocket maximum is $9,032. Bronze plans generally have higher deductibles but lower premiums, while Gold and Platinum plans have lower deductibles but higher monthly costs.
Which insurance companies offer plans in Columbia?
There are 4 insurance issuers offering ACA marketplace plans in Columbia, including Quartz, Aspirus Health Plan, Dean Health Plan, and others. Competition among issuers affects plan variety and pricing. More issuers generally mean more choices and potentially lower premiums.
Disclaimer: This page is for informational purposes only and does not constitute insurance or financial advice. Premiums shown are for a 27-year-old non-tobacco user unless otherwise noted. Your actual premium depends on age, location, tobacco use, and subsidy eligibility. Visit HealthCare.gov for official enrollment. Source: CMS Marketplace PUF, PY2026.
Read our methodology — how this data is sourced, computed, and verified.
All federal data sources used on this page
- U.S. Census Bureau ACS — demographic + housing + income data. census.gov/programs-surveys/acs
- BLS Occupational Employment and Wage Statistics (OEWS) — wage + employment by occupation. bls.gov/oes
- BEA Regional Economic Accounts — GDP + personal income by state/metro. bea.gov/data/regional
- U.S. Census Bureau County Business Patterns — establishment + employment by industry. census.gov/cbp
- IRS Statistics of Income (SOI) — tax-return aggregate data. irs.gov/statistics
- data.gov — U.S. federal open-data portal — discovery layer for additional federal sources. data.gov
Related
Data sourced from official U.S. government datasets. See our methodology for details. Retrieved and formatted by PlainHealthPlan Editorial
