ACA plans available
49
Plan year 2026
2026 data Public-data reference. official source
Dane, Wisconsin Health Insurance
Open-data reference.
49 ACA plans from 3 issuers — Plan year 2026
Dane, Wisconsin offers 49 ACA marketplace plans from 3 issuers for plan year 2026. Silver plans start at $445/mo (age 27, before subsidies). Use the tables below to compare premiums, deductibles, and issuers across all metal tiers.
$493
Avg Silver Premium/mo
$449
Benchmark Premium/mo
+28.8%
Year-over-Year Change
$5,293
Avg Deductible
What the Numbers Say About Dane
Dane, Wisconsin has 49 ACA marketplace plans offered by 3 issuers for plan year 2026. The average Silver-tier premium comes in at $493/mo for a 27-year-old non-tobacco user, with the lowest Silver at $445 and the highest at $530.
The benchmark (second-lowest Silver) premium is $449/mo, the figure used to calculate your Advance Premium Tax Credit (the federal subsidy). Enrollees whose expected income-based contribution falls below this amount receive a subsidy for the difference. Across all plans, the average annual deductible is $5,293 and the average out-of-pocket maximum is $8,590 — numbers that matter more than the sticker premium once you actually use care. Year-over-year, average premiums in Dane shifted by +28.8%, a signal of how local issuer pricing and risk-pool dynamics are trending.
Issuer count is one of the strongest predictors of affordability: with 3 issuers active in Dane, consumers have some competitive choice, though narrower than the most competitive counties. 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
Silver
15 plans$493/mo avg
$445 — $530
Gold
15 plans$503/mo avg
$436 — $564
Platinum
3 plans$521/mo avg
$499 — $549
Catastrophic plan available: avg $377/mo (1 plan) — only for individuals under 30 or with a hardship exemption.
Benchmark Premium & Subsidies
The benchmark premium (2nd-lowest Silver plan) in Dane is $449/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
3
Some competition
Benchmark Silver
$449 /mo
Sets your subsidy ceiling
Avg deductible
$5,293
Across all metal tiers
Dane ACA plans by premium and deductible
Each marker is the Dane 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.
Source: CMS Marketplace Public Use Files for Dane, plan year 2026. Each point is the county average for one metal tier (premium age 27 vs average annual deductible).
Issuers in Dane
| Issuer | Plans | Avg Premium (Age 27) |
|---|---|---|
| Quartz | 19 | $475/mo |
| Dean Health Plan | 18 | $437/mo |
| Group Health Cooperative-SCW | 12 | $452/mo |
All Plans in Dane
| Plan Name | Metal | Type | Premium (27) | Premium (40) | Deductible | OOP Max |
|---|---|---|---|---|---|---|
| QUARTZ ONE ACHIEVE W/UW HEALTH CATASTROPHIC $10,600 DED Quartz | Catastrophic | HMO | $376.55 | $459.20 | $10,600 | $10,600 |
| Dean Focus Bronze Share Dean Health Plan | Expanded Bronze | EPO | $289.28 | $352.77 | $8,000 | $10,600 |
| Dean Bronze Share Dean Health Plan | Expanded Bronze | HMO | $311.05 | $379.32 | $8,000 | $10,600 |
| Dean Focus Bronze $0 Copay PCP Visits Dean Health Plan | Expanded Bronze | EPO | $318.04 | $387.84 | $7,500 | $10,600 |
| Dean Focus Expanded Bronze Standard Dean Health Plan | Expanded Bronze | EPO | $340.30 | $414.98 | $7,500 | $10,000 |
| Dean Bronze $0 Copay PCP Visits Dean Health Plan | Expanded Bronze | HMO | $341.97 | $417.02 | $7,500 | $10,600 |
| QUARTZ ONE ACHIEVE W/UW HEALTH BRONZE $10,150 DED Quartz | Expanded Bronze | HMO | $358.74 | $437.47 | $10,150 | $10,600 |
| Better Together HMO Bronze 7500 Ded/10000 MOOP HSA Group Health Cooperative-SCW | Expanded Bronze | HMO | $359.31 | $438.17 | $7,500 | $10,000 |
| Dean Expanded Bronze Standard Dean Health Plan | Expanded Bronze | HMO | $365.90 | $446.21 | $7,500 | $10,000 |
| QUARTZ ONE ACHIEVE W/UW HEALTH BRONZE (DENTAL & VISION) $10,150 DED Quartz | Expanded Bronze | HMO | $370.82 | $452.20 | $10,150 | $10,600 |
| Better Together HMO Bronze 6500 Ded/8750 MOOP HSA Group Health Cooperative-SCW | Expanded Bronze | HMO | $380.34 | $463.82 | $6,500 | $8,750 |
| QUARTZ ONE ACHIEVE W/UW HEALTH BRONZE STANDARD EASY PRICING Quartz | Expanded Bronze | HMO | $391.12 | $476.96 | $7,500 | $10,000 |
| Better Together HMO Bronze No Medical Ded/10600 MOOP HSA Group Health Cooperative-SCW | Expanded Bronze | HMO | $392.69 | $478.87 | $0 | $10,600 |
| QUARTZ ONE ACHIEVE W/UW HEALTH BRONZE $0 MEDICAL DED Quartz | Expanded Bronze | HMO | $403.93 | $492.58 | $0 | $10,400 |
| QUARTZ ONE ACHIEVE W/UW HEALTH BRONZE (DENTAL & VISION) STANDARD EASY PRICING Quartz | Expanded Bronze | HMO | $404.30 | $493.03 | $7,500 | $10,000 |
| QUARTZ ONE ACHIEVE W/UW HEALTH BRONZE (DENTAL & VISION) $0 MEDICAL DED Quartz | Expanded Bronze | HMO | $417.54 | $509.17 | $0 | $10,400 |
| Better Together HMO Silver 6000 Ded/8900 MOOP Group Health Cooperative-SCW | Silver | HMO | $445.02 | $542.69 | $6,000 | $8,900 |
| Better Together HMO Silver 5500 Ded/8500 MOOP with Vision Group Health Cooperative-SCW | Silver | HMO | $449.33 | $547.95 | $5,500 | $8,500 |
| Dean Focus Silver $0 Copay PCP Visits Dean Health Plan | Silver | EPO | $459.53 | $560.39 | $3,500 | $10,450 |
| Dean Focus Silver Share Dean Health Plan | Silver | EPO | $469.84 | $572.96 | $3,525 | $8,850 |
| Dean Focus Silver Standard Dean Health Plan | Silver | EPO | $480.74 | $586.25 | $6,000 | $8,900 |
| Better Together HMO Silver 5975 Ded/5975 MOOP HSA Group Health Cooperative-SCW | Silver | HMO | $488.60 | $595.83 | $5,975 | $5,975 |
| Dean Silver $0 Copay PCP Visits Dean Health Plan | Silver | HMO | $494.12 | $602.56 | $3,500 | $10,450 |
| QUARTZ ONE ACHIEVE W/UW HEALTH SILVER $8,000 DED Quartz | Silver | HMO | $500.33 | $610.13 | $8,000 | $9,900 |
| QUARTZ ONE ACHIEVE W/UW HEALTH SILVER $9,000 DED Quartz | Silver | HMO | $501.31 | $611.33 | $9,000 | $10,250 |
| Dean Silver Share Dean Health Plan | Silver | HMO | $505.20 | $616.07 | $3,525 | $8,850 |
| QUARTZ ONE ACHIEVE W/UW HEALTH SILVER STANDARD EASY PRICING Quartz | Silver | HMO | $513.01 | $625.60 | $6,000 | $8,900 |
| Dean Silver Standard Dean Health Plan | Silver | HMO | $516.92 | $630.37 | $6,000 | $8,900 |
| QUARTZ ONE ACHIEVE W/UW HEALTH SILVER (DENTAL & VISION) $8,000 DED Quartz | Silver | HMO | $517.18 | $630.69 | $8,000 | $9,900 |
| QUARTZ ONE ACHIEVE W/UW HEALTH SILVER (DENTAL & VISION) $9,000 DED Quartz | Silver | HMO | $518.20 | $631.93 | $9,000 | $10,250 |
| QUARTZ ONE ACHIEVE W/UW HEALTH SILVER (DENTAL & VISION) STANDARD EASY PRICING Quartz | Silver | HMO | $530.29 | $646.67 | $6,000 | $8,900 |
| Better Together HMO Gold 1500 Ded/8000 MOOP with Vision Group Health Cooperative-SCW | Gold | HMO | $435.67 | $531.28 | $1,500 | $8,000 |
| Better Together HMO Gold 2000 Ded/8200 MOOP Group Health Cooperative-SCW | Gold | HMO | $451.21 | $550.23 | $2,000 | $8,200 |
| Better Together HMO Gold 4000 Ded/4000 MOOP HSA Group Health Cooperative-SCW | Gold | HMO | $453.95 | $553.57 | $4,000 | $4,000 |
| Dean Focus Gold Share Dean Health Plan | Gold | EPO | $463.36 | $565.06 | $2,500 | $5,900 |
| Dean Focus Gold Standard Dean Health Plan | Gold | EPO | $480.43 | $585.87 | $2,000 | $8,200 |
| Dean Focus Gold HSA Dean Health Plan | Gold | EPO | $491.25 | $599.06 | $3,400 | $4,400 |
| Dean Gold Share Dean Health Plan | Gold | HMO | $498.23 | $607.58 | $2,500 | $5,900 |
| QUARTZ ONE ACHIEVE W/UW HEALTH GOLD $4,000 DED Quartz | Gold | HMO | $504.14 | $614.78 | $4,000 | $8,000 |
| Dean Gold Standard Dean Health Plan | Gold | HMO | $516.59 | $629.96 | $2,000 | $8,200 |
| QUARTZ ONE ACHIEVE W/UW HEALTH GOLD (DENTAL & VISION) $4,000 DED Quartz | Gold | HMO | $521.12 | $635.49 | $4,000 | $8,000 |
| Dean Gold HSA Dean Health Plan | Gold | HMO | $528.21 | $644.14 | $3,400 | $4,400 |
| QUARTZ ONE ACHIEVE W/UW HEALTH GOLD MAINTENANCE $700 DED Quartz | Gold | HMO | $537.88 | $655.93 | $700 | $9,300 |
| QUARTZ ONE ACHIEVE W/UW HEALTH GOLD STANDARD EASY PRICING Quartz | Gold | HMO | $545.30 | $664.97 | $2,000 | $8,200 |
| QUARTZ ONE ACHIEVE W/UW HEALTH GOLD MAINTENANCE (DENTAL & VISION) $700 DED Quartz | Gold | HMO | $556.00 | $678.02 | $700 | $9,300 |
| QUARTZ ONE ACHIEVE W/UW HEALTH GOLD (DENTAL & VISION) STANDARD EASY PRICING Quartz | Gold | HMO | $563.67 | $687.37 | $2,000 | $8,200 |
| Better Together HMO Platinum No Ded/3300 MOOP Group Health Cooperative-SCW | Platinum | HMO | $498.76 | $608.22 | $0 | $3,300 |
| Better Together HMO Platinum 750 Ded/2000 MOOP with Vision Group Health Cooperative-SCW | Platinum | HMO | $515.67 | $628.85 | $750 | $2,000 |
| Better Together HMO Platinum No Ded/5200 MOOP Group Health Cooperative-SCW | Platinum | HMO | $548.60 | $668.99 | $0 | $5,200 |
Silver Premium Trend (2022-2026)
| Year | Avg Premium | Min | Max | Plans | Issuers |
|---|---|---|---|---|---|
| 2022 | $378/mo | $307 | $417 | 21 | 3 |
| 2023 | $413/mo | $318 | $499 | 38 | 4 |
| 2024 | $412/mo | $350 | $486 | 23 | 4 |
| 2025 | $423/mo | $352 | $484 | 21 | 4 |
| 2026 | $493/mo | $445 | $530 | 15 | 3 |
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
Explore Wisconsin ACA Data
All of Wisconsin
Statewide premiums, every county ranked by Silver average
Cheapest states
Where ACA premiums are lowest nationwide
Estimate your subsidy
Premium tax credit calculator using your county benchmark
Frequently Asked Questions
How many ACA plans are available in Dane, WI?
There are 49 ACA marketplace plans available in Dane from 3 insurance issuers for plan year 2026.
What is the cheapest health insurance plan in Dane?
Silver plans in Dane start at $445/mo (age 27). Actual premiums vary by age and may be reduced by premium tax credits.
What is the benchmark premium for Dane?
The benchmark (second-lowest Silver) premium in Dane is $449/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 Dane?
Average premiums in Dane changed by +28.8% 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 Dane?
The average annual deductible across all plans in Dane is $5,293, and the average out-of-pocket maximum is $8,590. 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 Dane?
There are 3 insurance issuers offering ACA marketplace plans in Dane, including Quartz, Dean Health Plan, Group Health Cooperative-SCW. 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.
Related
Data sourced from the CMS Health Insurance Marketplace Public Use Files. See our methodology for details. Retrieved and formatted by PlainHealthPlan Editorial
