ACA plans available
36
Plan year 2026
CMS Marketplace county · plan year 2026
Florence, 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
- $591
- Silver avg/mo
- 36
- ACA plans
- 3
- Issuers
- +18.7%
- YoY premium
Silver avg $591/mo
Florence, Wisconsin has 36 ACA marketplace plans from 3 issuers (plan year 2026). Average Silver premium is $591/mo; Bronze averages $471/mo and Gold $658/mo. Figures are CMS Marketplace Public Use File county aggregates for age-27 rates.
- County Silver corpus place #1402 of 2055 (highest = #1)
- Benchmark (2nd-lowest Silver) $479/mo
- Plan year 2026 CMS PUF
Silver rank is not plan-count rank
According to CMS Marketplace Public Use Files, Florence, Wisconsin ranks #1,402 of 2,055 counties by listed Silver average ($591/mo) and #1,391 of 2,055 by plan count (36 plans).
- #1,402 of 2,055
- Silver average among 2,055 counties
- $591
- Listed Silver average /mo
- #1,391 of 2,055
- Plan count among 2,055 counties
- 36
- 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.
Florence, Wisconsin offers 36 ACA marketplace plans from 3 issuers for plan year 2026. Bronze plans start at $353/mo and Silver plans start at $462/mo (age 27 listed rates). Use the tables below to compare premiums, deductibles, and issuers across all metal tiers.
$591
Avg Silver Premium/mo
$479
Benchmark Premium/mo
+18.7%
Year-over-Year Change
$5,810
Avg Deductible
Lower-premium band
Florence in the lower-premium third
$591/mo Silver avg sits in the bottom third of tracked federal-marketplace counties. Corpus place #1402 of 2055 (highest Silver = #1).
Floor-to-ceiling Silver runs $462–$773/mo. Plan book is thin (36 plans) relative to other tracked counties. HMO is the most common network type in Florence, with EPO and PPO and POS rounding out the alternatives.
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
13 plans$471/mo avg
$353 - $629
Silver
13 plans$591/mo avg
$462 - $773
Gold
8 plans$658/mo avg
$570 - $853
Catastrophic plan available: avg $384/mo (2 plans) - only for individuals under 30 or with a hardship exemption.
Benchmark premium & subsidies
The benchmark (second-lowest Silver) premium in Florence is $479/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
3
Some competition
Benchmark Silver
$479 /mo
Sets your subsidy ceiling
Avg deductible
$5,810
Across all metal tiers
D
Marketplace Access Score
40/100
Florence
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 B-
$479/mo
Benchmark Silver premium; rank #1402 of 2055 tracked counties (cheapest first)
Plan Choice F
36 plans
ACA marketplace plan count; rank #1391 of 2055 tracked counties (most first)
Issuer Competition D
3 issuers
Distinct marketplace issuers; rank #1152 of 2055 tracked counties (most first)
Cost Predictability F
$5,810
Average deductible across tracked plans; rank #73 of 2055 tracked counties (lowest first)
Florence ACA plans by premium and deductible
Each marker is the Florence 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.
Florence ACA marketplace plans: premium vs deductible
How Florence's Silver premium compares nationwide
2,055 federal-marketplace counties with a tracked Silver average, banded by monthly premium.
Florence vs 2,055 tracked counties
Average Silver premium (age 27), CMS Marketplace Public Use Files
$591 1402nd of 2055 higher than 653 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 Florence
| Issuer | Plans | Avg Premium (Age 27) |
|---|---|---|
| Security Health Plan | 16 | $601/mo |
| Aspirus Health Plan | 12 | $545/mo |
| HealthPartners | 8 | $462/mo |
All Plans in Florence
| Plan Name | Metal | Type | Premium (27) | Premium (40) | Deductible | OOP Max |
|---|---|---|---|---|---|---|
| HMO Catastrophic 10600 with 3 free PCP visits Aspirus Health Plan | Catastrophic | HMO | $361.23 | $440.51 | $10,600 | $10,600 |
| SimplyOne Protection Security Health Plan | Catastrophic | EPO | $407.74 | $497.23 | $10,600 | $10,600 |
| SimplyOne $9,500 Security Health Plan | Bronze | EPO | $434.48 | $529.83 | $9,500 | $9,500 |
| HMO Bronze 10000 Aspirus Health Plan | Bronze | HMO | $452.68 | $552.02 | $10,000 | $10,000 |
| POS Bronze 8500 Aspirus Health Plan | Bronze | POS | $525.00 | $640.21 | $8,500 | $9,500 |
| NE WI Select $8,400 HSA Bronze HealthPartners | Expanded Bronze | PPO | $353.10 | $430.60 | $8,400 | $8,400 |
| NE WI Select $6,800 Plus Bronze HSA HealthPartners | Expanded Bronze | PPO | $358.78 | $437.52 | $6,800 | $10,600 |
| NE WI Select $7,500 Standard Bronze HSA HealthPartners | Expanded Bronze | PPO | $371.16 | $452.62 | $7,500 | $10,000 |
| SimplyOne $7,500 Security Health Plan | Expanded Bronze | EPO | $434.60 | $529.98 | $7,500 | $10,000 |
| SimplyOne $7,500 HDHP Security Health Plan | Expanded Bronze | EPO | $457.06 | $557.37 | $7,500 | $8,500 |
| HMO Bronze 7500 Aspirus Health Plan | Expanded Bronze | HMO | $468.43 | $571.23 | $7,500 | $10,000 |
| HMO Bronze $0 Medical Deductible Aspirus Health Plan | Expanded Bronze | HMO | $515.95 | $629.18 | $0 | $10,600 |
| POS Bronze 7500 Aspirus Health Plan | Expanded Bronze | POS | $530.92 | $647.44 | $7,500 | $10,000 |
| Premier $7,500 Security Health Plan | Expanded Bronze | HMO | $597.99 | $729.22 | $7,500 | $10,000 |
| Premier $7,500 HDHP Security Health Plan | Expanded Bronze | HMO | $628.89 | $766.91 | $7,500 | $8,500 |
| NE WI Select $3,800 HSA Silver HealthPartners | Silver | PPO | $462.25 | $563.70 | $3,800 | $8,000 |
| NE WI Select $3,150 Plus Silver HealthPartners | Silver | PPO | $479.16 | $584.31 | $3,150 | $9,700 |
| NE WI Select $6,000 Standard Silver HealthPartners | Silver | PPO | $486.85 | $593.69 | $6,000 | $8,900 |
| SimplyOne $6,000 - 40% Security Health Plan | Silver | EPO | $518.73 | $632.58 | $6,000 | $8,900 |
| SimplyOne $4,000 - 50% Security Health Plan | Silver | EPO | $529.88 | $646.17 | $4,000 | $8,650 |
| SimplyOne $5,000 HDHP Security Health Plan | Silver | EPO | $561.93 | $685.25 | $5,000 | $6,500 |
| HMO Silver 6000 Aspirus Health Plan | Silver | HMO | $580.27 | $707.62 | $6,000 | $8,900 |
| HMO Silver 6600 Aspirus Health Plan | Silver | HMO | $587.75 | $716.74 | $6,600 | $8,600 |
| HMO HDHP Silver 5900 Aspirus Health Plan | Silver | HMO | $606.75 | $739.91 | $5,900 | $5,900 |
| POS Silver 6000 Aspirus Health Plan | Silver | POS | $656.95 | $801.13 | $6,000 | $8,900 |
| Premier $6,000 - 40% Security Health Plan | Silver | HMO | $713.75 | $870.40 | $6,000 | $8,900 |
| Premier $4,000 - 50% Security Health Plan | Silver | HMO | $729.09 | $889.10 | $4,000 | $8,650 |
| Premier $5,000 HDHP Security Health Plan | Silver | HMO | $773.19 | $942.87 | $5,000 | $6,500 |
| SimplyOne $3,500 - 30% Security Health Plan | Gold | EPO | $570.36 | $695.53 | $3,500 | $7,900 |
| Oak $2,000 Standard Gold HealthPartners | Gold | PPO | $586.82 | $715.60 | $2,000 | $8,200 |
| Oak $1,300 Gold HealthPartners | Gold | PPO | $597.44 | $728.56 | $1,300 | $8,600 |
| SimplyOne $2,000 - 25% Security Health Plan | Gold | EPO | $619.79 | $755.81 | $2,000 | $8,200 |
| HMO Gold 2700 Aspirus Health Plan | Gold | HMO | $624.11 | $761.08 | $2,700 | $7,000 |
| HMO Gold 2000 Aspirus Health Plan | Gold | HMO | $628.61 | $766.57 | $2,000 | $8,200 |
| Premier $3,500 - 30% Security Health Plan | Gold | HMO | $784.79 | $957.02 | $3,500 | $7,900 |
| Premier $2,000 - 25% Security Health Plan | Gold | HMO | $852.80 | $1,039.96 | $2,000 | $8,200 |
Silver Premium Trend (2022-2026)
| Year | Avg Premium | Min | Max | Plans | Issuers |
|---|---|---|---|---|---|
| 2022 | $407/mo | $310 | $564 | 22 | 4 |
| 2023 | $466/mo | $361 | $623 | 41 | 5 |
| 2024 | $507/mo | $395 | $596 | 18 | 4 |
| 2025 | $517/mo | $416 | $645 | 17 | 4 |
| 2026 | $591/mo | $462 | $773 | 13 | 3 |
What this means for Florence
Use Florence's own numbers here, not a national average, before you enroll.
- $591/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
- 36 plans from 3 issuers puts Florence in the thinnest third of tracked counties -- check the rest of Wisconsin for more options. All of Wisconsin
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 Florence's Silver premium in the lower band?
Florence ranks #1402 of 2055 tracked federal-marketplace counties by average Silver premium (highest = #1; CMS PUF sort). Local Silver avg is $591/mo. See /methodology#corpus-placement.
Why does Florence carry a thin ACA plan book?
Florence lists 36 marketplace plans from 3 issuers - a bottom-third inventory vs other tracked counties (plan year 2026).
What is the cheapest health insurance plan in Florence?
The lowest-premium plan in Florence starts at $353/mo (Bronze tier, age 27). Silver plans start at $462/mo. Actual premiums vary by age and may be reduced by premium tax credits.
What is the benchmark premium for Florence?
The benchmark (second-lowest Silver) premium in Florence is $479/mo for a 27-year-old. This amount determines how much premium tax credit subsidy you may be eligible for.
Why did Florence premiums rise +18.7% year-over-year?
The average age-27 premium in Florence changed by +18.7% 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 Florence?
The average annual deductible across all plans in Florence is $5,810, and the average out-of-pocket maximum is $8,833. 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 Florence?
There are 3 insurance issuers offering ACA marketplace plans in Florence, including Security Health Plan, Aspirus Health Plan, HealthPartners. 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 Florence, WI's $479/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 Florence, 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 ($479/mo here).
Similar issuer competition
Nearest other-state counties by issuer count (3 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.