ACA plans available
9
Plan year 2026
CMS Marketplace county · plan year 2026
Fond du Lac, 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
- $531
- Silver avg/mo
- 9
- ACA plans
- 1
- Issuer
- +13.9%
- YoY premium
Silver avg $531/mo
Fond du Lac, Wisconsin has 9 ACA marketplace plans from 1 issuer (plan year 2026). Average Silver premium is $531/mo; Bronze averages $357/mo and Gold $540/mo. Figures are CMS Marketplace Public Use File county aggregates for age-27 rates.
- County Silver corpus place #1736 of 2055 (highest = #1)
- Benchmark (2nd-lowest Silver) $531/mo
- Plan year 2026 CMS PUF
Silver rank is not plan-count rank
According to CMS Marketplace Public Use Files, Fond du Lac, Wisconsin ranks #1,736 of 2,055 counties by listed Silver average ($531/mo) and #2,025 of 2,055 by plan count (9 plans).
- #1,736 of 2,055
- Silver average among 2,055 counties
- $531
- Listed Silver average /mo
- #2,025 of 2,055
- Plan count among 2,055 counties
- 9
- 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.
Fond du Lac, Wisconsin offers 9 ACA marketplace plans from 1 issuer for plan year 2026. Bronze plans start at $327/mo and Silver plans start at $519/mo (age 27 listed rates). Use the tables below to compare premiums, deductibles, and issuers across all metal tiers.
$531
Avg Silver Premium/mo
$531
Benchmark Premium/mo
+13.9%
Year-over-Year Change
$4,881
Avg Deductible
Lower-premium band
Fond du Lac in the lower-premium third
$531/mo Silver avg sits in the bottom third of tracked federal-marketplace counties. Corpus place #1736 of 2055 (highest Silver = #1).
Floor-to-ceiling Silver runs $519–$543/mo. Plan book is thin (9 plans) relative to other tracked counties. 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.
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
3 plans$357/mo avg
$327 - $384
Silver
3 plans$531/mo avg
$519 - $543
Gold
3 plans$540/mo avg
$523 - $555
Benchmark premium & subsidies
The benchmark (second-lowest Silver) premium 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.
Issuers in market
1
Limited competition
Benchmark Silver
$531 /mo
Sets your subsidy ceiling
Avg deductible
$4,881
Across all metal tiers
D
Marketplace Access Score
47/100
Fond du Lac
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-
$531/mo
Benchmark Silver premium; rank #1736 of 2055 tracked counties (cheapest first)
Plan Choice F
9 plans
ACA marketplace plan count; rank #2025 of 2055 tracked counties (most first)
Issuer Competition F
1 issuer
Distinct marketplace issuers; rank #2021 of 2055 tracked counties (most first)
Cost Predictability B-
$4,881
Average deductible across tracked plans; rank #1402 of 2055 tracked counties (lowest first)
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.
Fond du Lac ACA marketplace plans: premium vs deductible
How Fond du Lac's Silver premium compares nationwide
2,055 federal-marketplace counties with a tracked Silver average, banded by monthly premium.
Fond du Lac vs 2,055 tracked counties
Average Silver premium (age 27), CMS Marketplace Public Use Files
$531 1736th of 2055 higher than 319 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 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 |
What this means for Fond du Lac
Use Fond du Lac's own numbers here, not a national average, before you enroll.
- $531/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
- 9 plans from 1 issuer puts Fond du Lac 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 Fond du Lac's Silver premium in the lower band?
Fond du Lac ranks #1736 of 2055 tracked federal-marketplace counties by average Silver premium (highest = #1; CMS PUF sort). Local Silver avg is $531/mo. See /methodology#corpus-placement.
Why does Fond du Lac carry a thin ACA plan book?
Fond du Lac lists 9 marketplace plans from 1 issuer - a bottom-third inventory vs other tracked counties (plan year 2026).
What is the cheapest health insurance plan in Fond du Lac?
The lowest-premium plan in Fond du Lac starts at $327/mo (Bronze tier, age 27). Silver plans start at $519/mo. 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.
Why did Fond du Lac premiums rise +13.9% year-over-year?
The average age-27 premium in Fond du Lac changed by +13.9% between plan years 2025 and 2026, measured across Bronze, Silver, Gold, Platinum and Catastrophic plans. Premium trends are tracked from 2022 to 2026.
How limited is issuer competition in Fond du Lac?
Only 1 issuer sell marketplace plans in Fond du Lac (Dean Health Plan). Narrow competition often correlates with higher benchmark premiums.
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.
One of 2,054 counties nationwide with a tracked benchmark premium, 5 are shown 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.