ACA plans available
49
Plan year 2026
CMS Marketplace county · plan year 2026
Columbia, Wisconsin ACA premiums
County-level marketplace aggregates from CMS Public Use Files. Listed rates are age-27 premiums unless noted.
Data updated 2026-08-30
- $537
- Silver avg/mo
- 49
- ACA plans
- 4
- Issuers
- +12.2%
- YoY premium
Silver avg $537/mo
Columbia, Wisconsin has 49 ACA marketplace plans from 4 issuers (plan year 2026). Average Silver premium is $537/mo; Bronze averages $408/mo and Gold $555/mo. Figures are CMS Marketplace Public Use File county aggregates for age-27 rates.
- County Silver corpus place #1721 of 2055 (highest = #1)
- Benchmark (2nd-lowest Silver) $481/mo
- Plan year 2026 CMS PUF
Silver rank is not plan-count rank
According to CMS Marketplace Public Use Files, Columbia, Wisconsin ranks #1,721 of 2,055 counties by listed Silver average ($537/mo) and #741 of 2,055 by plan count (49 plans).
- #1,721 of 2,055
- Silver average among 2,055 counties
- $537
- Listed Silver average /mo
- #741 of 2,055
- Plan count among 2,055 counties
- 49
- Listed ACA plans in this county
Highest listed Silver average = #1. Most listed plans = #1. County of residence still governs which plans CMS files for that FIPS.
Columbia, Wisconsin offers 49 ACA marketplace plans from 4 issuers for plan year 2026. Bronze plans start at $315/mo and Silver plans start at $475/mo (age 27 listed rates). Use the tables below to compare premiums, deductibles, and issuers across all metal tiers.
$537
Avg Silver Premium/mo
$481
Benchmark Premium/mo
+12.2%
Year-over-Year Change
$5,904
Avg Deductible
Lower-premium band
Columbia in the lower-premium third
$537/mo Silver avg sits in the bottom third of tracked federal-marketplace counties. Corpus place #1721 of 2055 (highest Silver = #1).
Floor-to-ceiling Silver runs $475–$598/mo. The local market is heavily HMO-dominated -- shoppers who specifically want a POS network have only a handful of plans to choose from here.
Source: CMS Marketplace Public Use Files, plan year 2026. Informational only; confirm options at HealthCare.gov. How we place counties.
Premiums by Metal Level
Bronze-tier cards fold CMS Expanded Bronze into Bronze (same population as county_trends and methodology). Plan rows and the premium-vs-deductible chart below keep the CMS source label.
Bronze
17 plans$408/mo avg
$315 - $471
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 (second-lowest Silver) premium 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.
Issuers in market
4
Competitive market
Benchmark Silver
$481 /mo
Sets your subsidy ceiling
Avg deductible
$5,904
Across all metal tiers
C
Marketplace Access Score
57/100
Columbia
Based on benchmark premium, plan and issuer counts, and average deductible across 2,055 tracked ACA marketplace counties, not plan quality, network adequacy, or provider access.
Affordability A-
$481/mo
Benchmark Silver premium; rank #1721 of 2055 tracked counties (cheapest first)
Plan Choice C+
49 plans
ACA marketplace plan count; rank #741 of 2055 tracked counties (most first)
Issuer Competition B-
4 issuers
Distinct marketplace issuers; rank #647 of 2055 tracked counties (most first)
Cost Predictability F
$5,904
Average deductible across tracked plans; rank #61 of 2055 tracked counties (lowest first)
Columbia ACA plans by premium and deductible
Each marker is the Columbia average for one metal tier, monthly premium (age 27) plotted against the average annual deductible, both computed directly from this county's plans. The classic ACA tradeoff is visible: lower-premium Bronze tiers carry the highest deductibles, while Gold and Platinum invert it.
Columbia ACA marketplace plans: premium vs deductible
How Columbia's Silver premium compares nationwide
2,055 federal-marketplace counties with a tracked Silver average, banded by monthly premium.
Columbia vs 2,055 tracked counties
Average Silver premium (age 27), CMS Marketplace Public Use Files
$537 1721st of 2055 higher than 334 of 2,055 counties
Counties, banded by average Silver premium
Each bar is a $1-wide band; taller bars hold more counties. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source CMS Marketplace Public Use Files · 2026-08-30
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 |
What this means for Columbia
Use Columbia's own numbers here, not a national average, before you enroll.
- $537/mo Silver average sits in the bottom third of tracked counties nationally -- a subsidized Silver plan can already beat Bronze on total cost here. See how subsidies work
- 49 plans from 4 issuers here -- see how that stacks up against the cheapest counties nationwide. See cheapest counties
Averages and tercile bands are CMS Marketplace Public Use File aggregates for this county; your actual premium depends on your age, household income, and chosen plan.
Frequently Asked Questions
Why is Columbia's Silver premium in the lower band?
Columbia ranks #1721 of 2055 tracked federal-marketplace counties by average Silver premium (highest = #1; CMS PUF sort). Local Silver avg is $537/mo. See /methodology#corpus-placement.
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 $315/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.
Why did Columbia premiums rise +12.2% year-over-year?
The average age-27 premium in Columbia changed by +12.2% between plan years 2025 and 2026, measured across Bronze, Silver, Gold, Platinum and Catastrophic plans. Premium trends are tracked from 2022 to 2026.
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 issuers compete in Columbia's crowded market?
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.
Counties With a Similar Benchmark Premium
The closest counties nationwide to Columbia, WI's $481/mo benchmark premium.
One of 2,054 counties nationwide with a tracked benchmark premium, 5 are shown here.
Nationwide counties with similar marketplace profiles
Two CMS Marketplace peer sets for Columbia, WI, both outside WI so the neighborhoods are not state containment (the similar-premium list above may still include same-state rating-area siblings). Peers are drawn from counties with ≥20 plans, the rankings-scale corpus.
Similar benchmark premium
Nearest other-state counties by benchmark premium ($481/mo here).
Similar issuer competition
Nearest other-state counties by issuer count (4 here).
Data sources
Data sourced from the CMS Health Insurance Marketplace Public Use Files. See our methodology for details. Retrieved and formatted by PlainHealthPlan
PlainHealthPlan is rendered directly from CMS Health Insurance Marketplace Public Use Files, no number is typed in by an editor. Plan and premium figures for this county come from the live CMS Marketplace PUF aggregates. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of August 2026.