ACA plans available
34
Plan year
2026 data Public-data reference. official source
Eau Claire, Wisconsin Health Insurance
Open-data reference.
34 ACA plans from 3 issuers — Plan year 2026
Eau Claire, Wisconsin offers 34 ACA marketplace plans from 3 issuers for plan year 2026. Bronze plans start at $502/mo and Silver plans start at $599/mo (age 27, before subsidies). Use the tables below to compare premiums, deductibles, and issuers across all metal tiers.
$724
Avg Silver Premium/mo
$612
Benchmark Premium/mo
+29.3%
Year-over-Year Change
$5,230
Avg Deductible
What the Numbers Say About Eau Claire
Eau Claire, Wisconsin has 34 ACA marketplace plans offered by 3 issuers for plan year 2026. The average Silver-tier premium comes in at $724/mo for a 27-year-old non-tobacco user, with the lowest Silver at $599 and the highest at $827. Bronze plans start at $502/mo — useful for healthy enrollees who want catastrophic protection with the lowest monthly outlay.
The benchmark (second-lowest Silver) premium is $612/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 $5,230 and the average out-of-pocket maximum is $8,828 — numbers that matter more than the sticker premium once you actually use care. Year-over-year, average premiums in Eau Claire shifted by +29.3%, 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 Eau Claire, 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
Bronze
1 plan$502/mo avg
$502 — $502
Silver
12 plans$724/mo avg
$599 — $827
Gold
9 plans$779/mo avg
$654 — $950
Catastrophic plan available: avg $471/mo (1 plan) — only for individuals under 30 or with a hardship exemption.
Benchmark Premium & Subsidies
The benchmark premium (2nd-lowest Silver plan) in Eau Claire is $612/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
$612 /mo
Sets your subsidy ceiling
Avg deductible
$5,230
Across all metal tiers
Eau Claire ACA plans by premium and deductible
Each marker is the Eau Claire 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 Eau Claire, plan year 2026. Bronze = catastrophic-only zone (high deductible). Gold/Platinum = premium-heavy zone (low deductible).
Issuers in Eau Claire
| Issuer | Plans | Avg Premium (Age 27) |
|---|---|---|
| Security Health Plan | 16 | $665/mo |
| Medica | 9 | $612/mo |
| Anthem Blue Cross and Blue Shield | 9 | $766/mo |
All Plans in Eau Claire
| Plan Name | Metal | Type | Premium (27) | Premium (40) | Deductible | OOP Max |
|---|---|---|---|---|---|---|
| Select Protection Security Health Plan | Catastrophic | EPO | $470.92 | $574.28 | $10,600 | $10,600 |
| Select $9,500 Security Health Plan | Bronze | EPO | $501.80 | $611.93 | $9,500 | $9,500 |
| Engage by Medica Bronze Share Medica | Expanded Bronze | EPO | $473.44 | $577.34 | $8,000 | $10,600 |
| Select $7,500 Security Health Plan | Expanded Bronze | EPO | $501.94 | $612.09 | $7,500 | $10,000 |
| Engage by Medica Expanded Bronze Standard Medica | Expanded Bronze | EPO | $514.15 | $626.99 | $7,500 | $10,000 |
| Engage by Medica Bronze HSA Medica | Expanded Bronze | EPO | $525.88 | $641.29 | $7,500 | $8,500 |
| Select $7,500 HDHP Security Health Plan | Expanded Bronze | EPO | $527.88 | $643.73 | $7,500 | $8,500 |
| Anthem Bronze Preferred/Broad 5000 (3 Free PCP Visits + $0 Select Drugs + Incentives) Anthem Blue Cross and Blue Shield | Expanded Bronze | POS | $613.53 | $748.18 | $5,000 | $10,600 |
| Anthem Bronze Preferred/Broad HSA (+ Incentives) Anthem Blue Cross and Blue Shield | Expanded Bronze | POS | $620.34 | $756.49 | $8,450 | $8,450 |
| Anthem Bronze Preferred/Broad Standard ($0 Virtual PCP + $0 Select Drugs + Incentives) Anthem Blue Cross and Blue Shield | Expanded Bronze | POS | $621.34 | $757.70 | $7,500 | $10,000 |
| Premier $7,500 Security Health Plan | Expanded Bronze | HMO | $635.75 | $775.28 | $7,500 | $10,000 |
| Anthem Heart Healthy Bronze Preferred/Broad 0 Med Ded ($0 Virtual PCP+$0 Select Drugs+Incentives) Anthem Blue Cross and Blue Shield | Expanded Bronze | POS | $657.84 | $802.21 | $0 | $10,600 |
| Premier $7,500 HDHP Security Health Plan | Expanded Bronze | HMO | $668.61 | $815.35 | $7,500 | $8,500 |
| Select $6,000 - 40% Security Health Plan | Silver | EPO | $599.11 | $730.59 | $6,000 | $8,900 |
| Select $4,000 - 50% Security Health Plan | Silver | EPO | $611.98 | $746.29 | $4,000 | $8,650 |
| Select $5,000 HDHP Security Health Plan | Silver | EPO | $649.00 | $791.43 | $5,000 | $6,500 |
| Engage by Medica Silver $0 Copay PCP Visits Medica | Silver | EPO | $654.89 | $798.61 | $3,500 | $10,450 |
| Engage by Medica Silver Share Medica | Silver | EPO | $669.31 | $816.20 | $3,525 | $8,850 |
| Engage by Medica Silver Standard Medica | Silver | EPO | $670.99 | $818.26 | $6,000 | $8,900 |
| Premier $6,000 - 40% Security Health Plan | Silver | HMO | $758.83 | $925.37 | $6,000 | $8,900 |
| Premier $4,000 - 50% Security Health Plan | Silver | HMO | $775.14 | $945.25 | $4,000 | $8,650 |
| Premier $5,000 HDHP Security Health Plan | Silver | HMO | $822.02 | $1,002.42 | $5,000 | $6,500 |
| Anthem Silver Preferred/Broad Standard ($0 Virtual PCP + $0 Select Drugs + Incentives) Anthem Blue Cross and Blue Shield | Silver | POS | $826.60 | $1,008.01 | $6,000 | $8,900 |
| Anthem Silver Preferred/Broad 4000 ($0 PCP Visits + $0 Select Drugs + Incentives) Anthem Blue Cross and Blue Shield | Silver | POS | $826.78 | $1,008.23 | $4,000 | $9,400 |
| Anthem Silver Preferred/Broad 5500 ($0 Virtual PCP + $0 Select Drugs + Incentives) Anthem Blue Cross and Blue Shield | Silver | POS | $827.25 | $1,008.80 | $5,500 | $9,200 |
| Engage by Medica Gold $0 Copay PCP Visits Medica | Gold | EPO | $653.61 | $797.05 | $1,500 | $8,800 |
| Select $3,500 - 30% Security Health Plan | Gold | EPO | $658.73 | $803.30 | $3,500 | $7,900 |
| Engage by Medica Gold Share Medica | Gold | EPO | $667.22 | $813.65 | $2,500 | $5,900 |
| Engage by Medica Gold Standard Medica | Gold | EPO | $674.97 | $823.10 | $2,000 | $8,200 |
| Select $2,000 - 25% Security Health Plan | Gold | EPO | $715.82 | $872.92 | $2,000 | $8,200 |
| Premier $3,500 - 30% Security Health Plan | Gold | HMO | $834.35 | $1,017.46 | $3,500 | $7,900 |
| Premier $2,000 - 25% Security Health Plan | Gold | HMO | $906.66 | $1,105.64 | $2,000 | $8,200 |
| Anthem Gold Preferred/Broad 1000 ($0 Virtual PCP + $0 Select Drugs + Incentives) Anthem Blue Cross and Blue Shield | Gold | POS | $949.61 | $1,158.02 | $1,000 | $7,200 |
| Anthem Gold Preferred/Broad Standard ($0 Virtual PCP + $0 Select Drugs + Incentives) Anthem Blue Cross and Blue Shield | Gold | POS | $949.68 | $1,158.10 | $2,000 | $8,200 |
Silver Premium Trend (2022-2026)
| Year | Avg Premium | Min | Max | Plans | Issuers |
|---|---|---|---|---|---|
| 2022 | $534/mo | $456 | $581 | 16 | 4 |
| 2023 | $609/mo | $496 | $688 | 31 | 5 |
| 2024 | $594/mo | $481 | $669 | 17 | 4 |
| 2025 | $616/mo | $502 | $709 | 10 | 3 |
| 2026 | $724/mo | $599 | $827 | 12 | 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
Related Health & Cost Data
Find Doctors
PlainDoctor — Healthcare providers in Wisconsin
Hospital Quality Ratings
PlainHospital — CMS star ratings and safety scores
Medicare Plans
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 Eau Claire, WI?
There are 34 ACA marketplace plans available in Eau Claire from 3 insurance issuers for plan year 2026.
What is the cheapest health insurance plan in Eau Claire?
The lowest-premium plan in Eau Claire starts at $502/mo (Bronze tier, age 27). Silver plans start at $599/mo. Actual premiums vary by age and may be reduced by premium tax credits.
What is the benchmark premium for Eau Claire?
The benchmark (second-lowest Silver) premium in Eau Claire is $612/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 Eau Claire?
Average premiums in Eau Claire changed by +29.3% 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 Eau Claire?
The average annual deductible across all plans in Eau Claire is $5,230, and the average out-of-pocket maximum is $8,828. 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 Eau Claire?
There are 3 insurance issuers offering ACA marketplace plans in Eau Claire, including Security Health Plan, Medica, Anthem Blue Cross and Blue Shield. 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
