ACA plans available
37
Plan year 2026
2026 data Public-data reference. official source
Forest, Wisconsin Health Insurance
Open-data reference.
37 ACA plans from 3 issuers - Plan year 2026
Forest, Wisconsin offers 37 ACA marketplace plans from 3 issuers for plan year 2026. Bronze plans start at $434/mo and Silver plans start at $519/mo (age 27, before subsidies). Use the tables below to compare premiums, deductibles, and issuers across all metal tiers.
$639
Avg Silver Premium/mo
$530
Benchmark Premium/mo
+28.7%
Year-over-Year Change
$5,824
Avg Deductible
What the Numbers Say About Forest
Forest, Wisconsin has 37 ACA marketplace plans offered by 3 issuers for plan year 2026. The average Silver-tier premium comes in at $639/mo for a 27-year-old non-tobacco user, with the lowest Silver at $519 and the highest at $773. Bronze plans start at $434/mo, useful for healthy enrollees who want catastrophic protection with the lowest monthly outlay.
The benchmark (second-lowest Silver) premium is $530/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 $5,824 and the average out-of-pocket maximum is $8,869 - numbers that matter more than the sticker premium once you actually use care. Year-over-year, average premiums in Forest shifted by +28.7%, 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 Forest, consumers have some competitive choice, though narrower than the most competitive counties. Network types split fairly evenly here between HMO and POS, so comparing referral rules and out-of-network coverage across those two matters as much as comparing metal tiers. 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
3 plans$471/mo avg
$434 - $525
Silver
13 plans$639/mo avg
$519 - $773
Gold
8 plans$706/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 premium (2nd-lowest Silver plan) in Forest is $530/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
$530 /mo
Sets your subsidy ceiling
Avg deductible
$5,824
Across all metal tiers
Forest ACA plans by premium and deductible
Each marker is the Forest 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 Forest, plan year 2026. Each point is the county average for one metal tier (premium age 27 vs average annual deductible).
Issuers in Forest
| Issuer | Plans | Avg Premium (Age 27) |
|---|---|---|
| Security Health Plan | 16 | $601/mo |
| Aspirus Health Plan | 12 | $545/mo |
| Anthem Blue Cross and Blue Shield | 9 | $632/mo |
All Plans in Forest
| 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 |
| 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 |
| Anthem Bronze Preferred/Broad 5000 (3 Free PCP Visits + $0 Select Drugs + Incentives) Anthem Blue Cross and Blue Shield | Expanded Bronze | POS | $506.31 | $617.43 | $5,000 | $10,600 |
| Anthem Bronze Preferred/Broad HSA (+ Incentives) Anthem Blue Cross and Blue Shield | Expanded Bronze | POS | $511.94 | $624.29 | $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 | $512.74 | $625.27 | $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 |
| 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 | $542.87 | $662.02 | $0 | $10,600 |
| 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 |
| 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 |
| Anthem Silver Preferred/Broad Standard ($0 Virtual PCP + $0 Select Drugs + Incentives) Anthem Blue Cross and Blue Shield | Silver | POS | $682.14 | $831.85 | $6,000 | $8,900 |
| Anthem Silver Preferred/Broad 4000 ($0 PCP Visits + $0 Select Drugs + Incentives) Anthem Blue Cross and Blue Shield | Silver | POS | $682.29 | $832.03 | $4,000 | $9,400 |
| Anthem Silver Preferred/Broad 5500 ($0 Virtual PCP + $0 Select Drugs + Incentives) Anthem Blue Cross and Blue Shield | Silver | POS | $682.68 | $832.50 | $5,500 | $9,200 |
| 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 |
| 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 |
| Anthem Gold Preferred/Broad 1000 ($0 Virtual PCP + $0 Select Drugs + Incentives) Anthem Blue Cross and Blue Shield | Gold | POS | $783.65 | $955.64 | $1,000 | $7,200 |
| Anthem Gold Preferred/Broad Standard ($0 Virtual PCP + $0 Select Drugs + Incentives) Anthem Blue Cross and Blue Shield | Gold | POS | $783.70 | $955.70 | $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 | $477/mo | $404 | $564 | 7 | 2 |
| 2023 | $512/mo | $434 | $623 | 12 | 3 |
| 2024 | $503/mo | $413 | $596 | 12 | 3 |
| 2025 | $532/mo | $429 | $645 | 11 | 3 |
| 2026 | $639/mo | $519 | $773 | 13 | 3 |
Frequently Asked Questions
How many ACA plans are available in Forest, WI?
There are 37 ACA marketplace plans available in Forest from 3 insurance issuers for plan year 2026.
What is the cheapest health insurance plan in Forest?
The lowest-premium plan in Forest starts at $434/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 Forest?
The benchmark (second-lowest Silver) premium in Forest is $530/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 Forest?
Average premiums in Forest changed by +28.7% 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 Forest?
The average annual deductible across all plans in Forest is $5,824, and the average out-of-pocket maximum is $8,869. 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 Forest?
There are 3 insurance issuers offering ACA marketplace plans in Forest, including Security Health Plan, Aspirus Health Plan, 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.
Counties With a Similar Benchmark Premium
The closest counties nationwide to Forest, WI's $530/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
