ACA plans available
9
Plan year 2026
2026 data Public-data reference. official source
Fond du Lac, Wisconsin Health Insurance
Open-data reference.
9 ACA plans from 1 issuer - Plan year 2026
Fond du Lac, Wisconsin offers 9 ACA marketplace plans from 1 issuer for plan year 2026. Silver plans start at $519/mo (age 27, before subsidies). Use the tables below to compare premiums, deductibles, and issuers across all metal tiers.
$531
Avg Silver Premium/mo
$531
Benchmark Premium/mo
+28.1%
Year-over-Year Change
$4,881
Avg Deductible
What the Numbers Say About Fond du Lac
Fond du Lac, Wisconsin has 9 ACA marketplace plans offered by 1 issuer for plan year 2026. The average Silver-tier premium comes in at $531/mo for a 27-year-old non-tobacco user, with the lowest Silver at $519 and the highest at $543.
The benchmark (second-lowest Silver) premium is $531/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 $4,881 and the average out-of-pocket maximum is $8,656 - numbers that matter more than the sticker premium once you actually use care. Year-over-year, average premiums in Fond du Lac shifted by +28.1%, a signal of how local issuer pricing and risk-pool dynamics are trending.
Issuer count is one of the strongest predictors of affordability: with 1 issuer active in Fond du Lac, consumers face limited competition, which historically correlates with higher benchmark premiums. Every plan sold in Fond du Lac is HMO -- there's no alternative network type in this county, so weigh HMO's referral rules and out-of-network coverage before enrolling. 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
3 plans$531/mo avg
$519 - $543
Gold
3 plans$540/mo avg
$523 - $555
Benchmark Premium & Subsidies
The benchmark premium (2nd-lowest Silver plan) in Fond du Lac is $531/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
1
Limited competition
Benchmark Silver
$531 /mo
Sets your subsidy ceiling
Avg deductible
$4,881
Across all metal tiers
Fond du Lac ACA plans by premium and deductible
Each marker is the Fond du Lac 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 Fond du Lac, plan year 2026. Each point is the county average for one metal tier (premium age 27 vs average annual deductible).
Issuers in Fond du Lac
| Issuer | Plans | Avg Premium (Age 27) |
|---|---|---|
| Dean Health Plan | 9 | $476/mo |
All Plans in Fond du Lac
| Plan Name | Metal | Type | Premium (27) | Premium (40) | Deductible | OOP Max |
|---|---|---|---|---|---|---|
| Dean Bronze Share Dean Health Plan | Expanded Bronze | HMO | $326.78 | $398.50 | $8,000 | $10,600 |
| Dean Bronze $0 Copay PCP Visits Dean Health Plan | Expanded Bronze | HMO | $359.27 | $438.11 | $7,500 | $10,600 |
| Dean Expanded Bronze Standard Dean Health Plan | Expanded Bronze | HMO | $384.41 | $468.77 | $7,500 | $10,000 |
| Dean Silver $0 Copay PCP Visits Dean Health Plan | Silver | HMO | $519.10 | $633.03 | $3,500 | $10,450 |
| Dean Silver Share Dean Health Plan | Silver | HMO | $530.74 | $647.23 | $3,525 | $8,850 |
| Dean Silver Standard Dean Health Plan | Silver | HMO | $543.06 | $662.24 | $6,000 | $8,900 |
| Dean Gold Share Dean Health Plan | Gold | HMO | $523.43 | $638.30 | $2,500 | $5,900 |
| Dean Gold Standard Dean Health Plan | Gold | HMO | $542.71 | $661.81 | $2,000 | $8,200 |
| Dean Gold HSA Dean Health Plan | Gold | HMO | $554.92 | $676.71 | $3,400 | $4,400 |
Silver Premium Trend (2022-2026)
| Year | Avg Premium | Min | Max | Plans | Issuers |
|---|---|---|---|---|---|
| 2022 | $391/mo | $317 | $488 | 34 | 5 |
| 2023 | $452/mo | $331 | $590 | 39 | 5 |
| 2024 | $446/mo | $360 | $569 | 28 | 5 |
| 2025 | $434/mo | $395 | $469 | 13 | 3 |
| 2026 | $531/mo | $519 | $543 | 3 | 1 |
Frequently Asked Questions
How many ACA plans are available in Fond du Lac, WI?
There are 9 ACA marketplace plans available in Fond du Lac from 1 insurance issuer for plan year 2026.
What is the cheapest health insurance plan in Fond du Lac?
Silver plans in Fond du Lac start at $519/mo (age 27). Actual premiums vary by age and may be reduced by premium tax credits.
What is the benchmark premium for Fond du Lac?
The benchmark (second-lowest Silver) premium in Fond du Lac is $531/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 Fond du Lac?
Average premiums in Fond du Lac changed by +28.1% 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 Fond du Lac?
The average annual deductible across all plans in Fond du Lac is $4,881, and the average out-of-pocket maximum is $8,656. 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 Fond du Lac?
There are 1 insurance issuer offering ACA marketplace plans in Fond du Lac, including Dean Health Plan. 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 Fond du Lac, WI's $531/mo benchmark premium.
Data sources
Data sourced from the CMS Health Insurance Marketplace Public Use Files. See our methodology for details. Retrieved and formatted by PlainHealthPlan Editorial
