ACA plans available
27
Plan year 2026
CMS Marketplace county · plan year 2026
Jefferson, 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
- $552
- Silver avg/mo
- 27
- ACA plans
- 2
- Issuers
- +18.6%
- YoY premium
Silver avg $552/mo
Jefferson, Wisconsin has 27 ACA marketplace plans from 2 issuers (plan year 2026). Average Silver premium is $552/mo; Bronze averages $433/mo and Gold $621/mo. Figures are CMS Marketplace Public Use File county aggregates for age-27 rates.
- County Silver corpus place #1669 of 2055 (highest = #1)
- Benchmark (2nd-lowest Silver) $511/mo
- Avg deductible $5,223
- Plan year 2026 CMS PUF
Silver rank is not plan-count rank
According to CMS Marketplace Public Use Files, Jefferson, Wisconsin ranks #1,669 of 2,055 counties by listed Silver average ($552/mo) and #1,762 of 2,055 by plan count (27 plans).
- #1,669 of 2,055
- Silver average among 2,055 counties
- $552
- Listed Silver average /mo
- #1,762 of 2,055
- Plan count among 2,055 counties
- 27
- 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.
These are unmodified listed rates for the CMS reference age-27 enrollee, not subsidy-adjusted quotes. Actual out-of-pocket cost depends on age, tobacco use, and any Advanced Premium Tax Credit you qualify for. See our methodology for how county aggregates are built from the underlying QHP Landscape and Rate/Benefits filings. Compare premiums, deductibles, and issuers by metal tier in the tables below.
Lower-premium band
Jefferson in the lower-premium third
$552/mo Silver avg sits in the bottom third of tracked federal-marketplace counties.
Floor-to-ceiling Silver runs $500–$575/mo. Plan book is thin (27 plans) relative to other tracked counties. EPO is the most common network type in Jefferson, with HMO 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
9 plans$433/mo avg
$315 - $492
Silver
9 plans$552/mo avg
$500 - $575
Gold
9 plans$621/mo avg
$504 - $714
Benchmark premium & subsidies
The benchmark (second-lowest Silver) premium in Jefferson is $511/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
2
Some competition
Benchmark Silver
$511 /mo
Sets your subsidy ceiling
Avg deductible
$5,223
Across all metal tiers
D
Marketplace Access Score
43/100
Jefferson
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-
$511/mo
Benchmark Silver premium; rank #1669 of 2055 tracked counties (cheapest first)
Plan Choice F
27 plans
ACA marketplace plan count; rank #1762 of 2055 tracked counties (most first)
Issuer Competition F
2 issuers
Distinct marketplace issuers; rank #1793 of 2055 tracked counties (most first)
Cost Predictability F
$5,223
Average deductible across tracked plans; rank #728 of 2055 tracked counties (lowest first)
Jefferson ACA plans by premium and deductible
Each marker is the Jefferson 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.
Jefferson ACA marketplace plans: premium vs deductible
How Jefferson's Silver premium compares nationwide
2,055 federal-marketplace counties with a tracked Silver average, banded by monthly premium.
Jefferson vs 2,055 tracked counties
Average Silver premium (age 27), CMS Marketplace Public Use Files
$552 1669th of 2055 higher than 386 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 Jefferson
| Issuer | Plans | Avg Premium (Age 27) |
|---|---|---|
| CareSource (Common Ground Healthcare) | 18 | $573/mo |
| Dean Health Plan | 9 | $459/mo |
All Plans in Jefferson
| Plan Name | Metal | Type | Premium (27) | Premium (40) | Deductible | OOP Max |
|---|---|---|---|---|---|---|
| Dean Bronze Share Dean Health Plan | Expanded Bronze | HMO | $314.83 | $383.93 | $8,000 | $10,600 |
| Dean Bronze $0 Copay PCP Visits Dean Health Plan | Expanded Bronze | HMO | $346.13 | $422.09 | $7,500 | $10,600 |
| Dean Expanded Bronze Standard Dean Health Plan | Expanded Bronze | HMO | $370.35 | $451.63 | $7,500 | $10,000 |
| CareSource (Common Ground Healthcare) Bronze Standard $7500 CareSource (Common Ground Healthcare) | Expanded Bronze | EPO | $469.15 | $572.12 | $7,500 | $10,000 |
| CareSource (Common Ground Healthcare) Bronze $9600 ($45 PCP Copay) CareSource (Common Ground Healthcare) | Expanded Bronze | EPO | $469.37 | $572.38 | $9,600 | $9,600 |
| CareSource (Common Ground Healthcare) Bronze Standard $7500 - Vision Exam CareSource (Common Ground Healthcare) | Expanded Bronze | EPO | $470.30 | $573.52 | $7,500 | $10,000 |
| CareSource (Common Ground Healthcare) Bronze $9600 ($45 PCP Copay) - Vision Exam CareSource (Common Ground Healthcare) | Expanded Bronze | EPO | $470.52 | $573.79 | $9,600 | $9,600 |
| CareSource (Common Ground Healthcare) Bronze $0 Ded / $2500 Rx Ded CareSource (Common Ground Healthcare) | Expanded Bronze | EPO | $490.90 | $598.64 | $0 | $9,500 |
| CareSource (Common Ground Healthcare) Bronze $0 Ded / $2500 Rx Ded - Vision Exam CareSource (Common Ground Healthcare) | Expanded Bronze | EPO | $492.05 | $600.04 | $0 | $9,500 |
| Dean Silver $0 Copay PCP Visits Dean Health Plan | Silver | HMO | $500.12 | $609.88 | $3,500 | $10,450 |
| Dean Silver Share Dean Health Plan | Silver | HMO | $511.34 | $623.56 | $3,525 | $8,850 |
| Dean Silver Standard Dean Health Plan | Silver | HMO | $523.21 | $638.03 | $6,000 | $8,900 |
| CareSource (Common Ground Healthcare) Silver $5000 Ded / $6000 Rx Ded CareSource (Common Ground Healthcare) | Silver | EPO | $566.89 | $691.31 | $5,000 | $10,600 |
| CareSource (Common Ground Healthcare) Silver $5000 Ded / $6000 Rx Ded - Vision Exam CareSource (Common Ground Healthcare) | Silver | EPO | $568.04 | $692.71 | $5,000 | $10,600 |
| CareSource (Common Ground Healthcare) Silver $4700 Ded / $5000 Rx Ded CareSource (Common Ground Healthcare) | Silver | EPO | $572.20 | $697.78 | $4,700 | $10,600 |
| CareSource (Common Ground Healthcare) Silver $4700 Ded / $5000 Rx Ded - Vision Exam CareSource (Common Ground Healthcare) | Silver | EPO | $573.35 | $699.19 | $4,700 | $10,600 |
| CareSource (Common Ground Healthcare) Silver Standard $6000 CareSource (Common Ground Healthcare) | Silver | EPO | $574.23 | $700.26 | $6,000 | $8,900 |
| CareSource (Common Ground Healthcare) Silver Standard $6000 - Vision Exam CareSource (Common Ground Healthcare) | Silver | EPO | $575.38 | $701.66 | $6,000 | $8,900 |
| Dean Gold Share Dean Health Plan | Gold | HMO | $504.29 | $614.96 | $2,500 | $5,900 |
| Dean Gold Standard Dean Health Plan | Gold | HMO | $522.87 | $637.62 | $2,000 | $8,200 |
| Dean Gold HSA Dean Health Plan | Gold | HMO | $534.63 | $651.97 | $3,400 | $4,400 |
| CareSource (Common Ground Healthcare) Gold $3300 CareSource (Common Ground Healthcare) | Gold | EPO | $646.78 | $788.72 | $3,300 | $8,500 |
| CareSource (Common Ground Healthcare) Gold $3300 - Vision Exam CareSource (Common Ground Healthcare) | Gold | EPO | $647.93 | $790.12 | $3,300 | $8,500 |
| CareSource (Common Ground Healthcare) Gold Standard $2000 CareSource (Common Ground Healthcare) | Gold | EPO | $653.19 | $796.54 | $2,000 | $8,200 |
| CareSource (Common Ground Healthcare) Gold Standard $2000 - Vision Exam CareSource (Common Ground Healthcare) | Gold | EPO | $654.34 | $797.94 | $2,000 | $8,200 |
| CareSource (Common Ground Healthcare) Gold $0 Ded CareSource (Common Ground Healthcare) | Gold | EPO | $713.04 | $869.53 | $0 | $9,000 |
| CareSource (Common Ground Healthcare) Gold $0 Ded - Vision Exam CareSource (Common Ground Healthcare) | Gold | EPO | $714.18 | $870.91 | $0 | $9,000 |
Silver Premium Trend (2022-2026)
| Year | Avg Premium | Min | Max | Plans | Issuers |
|---|---|---|---|---|---|
| 2022 | $417/mo | $336 | $483 | 33 | 5 |
| 2023 | $467/mo | $367 | $578 | 44 | 6 |
| 2024 | $446/mo | $381 | $543 | 29 | 5 |
| 2025 | $482/mo | $402 | $574 | 19 | 4 |
| 2026 | $552/mo | $500 | $575 | 9 | 2 |
What this means for Jefferson
Use Jefferson's own numbers here, not a national average, before you enroll.
- $552/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
- 27 plans from 2 issuers puts Jefferson 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 Jefferson's Silver premium in the lower band?
Jefferson ranks #1669 of 2055 tracked federal-marketplace counties by average Silver premium (highest = #1; CMS PUF sort). Local Silver avg is $552/mo. See /methodology#corpus-placement.
Why does Jefferson carry a thin ACA plan book?
Jefferson lists 27 marketplace plans from 2 issuers - a bottom-third inventory vs other tracked counties (plan year 2026).
What is the cheapest health insurance plan in Jefferson?
The lowest-premium plan in Jefferson starts at $315/mo (Bronze tier, age 27). Silver plans start at $500/mo. Actual premiums vary by age and may be reduced by premium tax credits.
What is the benchmark premium for Jefferson?
The benchmark (second-lowest Silver) premium in Jefferson is $511/mo for a 27-year-old. This amount determines how much premium tax credit subsidy you may be eligible for.
Why did Jefferson premiums rise +18.6% year-over-year?
The average age-27 premium in Jefferson changed by +18.6% 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 Jefferson?
Only 2 issuers sell marketplace plans in Jefferson (CareSource (Common Ground Healthcare) and Dean Health Plan). Narrow competition often correlates with higher benchmark premiums.
Which insurance companies offer plans in Jefferson?
There are 2 insurance issuers offering ACA marketplace plans in Jefferson, including CareSource (Common Ground Healthcare), Dean Health Plan. Competition among issuers affects plan variety and pricing. More issuers generally mean more choices and potentially lower premiums.
Counties With a Similar Benchmark Premium
The closest counties nationwide to Jefferson, WI's $511/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 Jefferson, 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 ($511/mo here).
Similar issuer competition
Nearest other-state counties by issuer count (2 here).
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.