ACA plans available
37
Plan year
2026 data Public-data reference. official source
La Crosse, Wisconsin Health Insurance
Open-data reference.
37 ACA plans from 3 issuers — Plan year 2026
La Crosse, Wisconsin offers 37 ACA marketplace plans from 3 issuers for plan year 2026. Silver plans start at $522/mo (age 27, before subsidies). Use the tables below to compare premiums, deductibles, and issuers across all metal tiers.
$611
Avg Silver Premium/mo
$524
Benchmark Premium/mo
+22.4%
Year-over-Year Change
$5,493
Avg Deductible
What the Numbers Say About La Crosse
La Crosse, Wisconsin has 37 ACA marketplace plans offered by 3 issuers for plan year 2026. The average Silver-tier premium comes in at $611/mo for a 27-year-old non-tobacco user, with the lowest Silver at $522 and the highest at $802.
The benchmark (second-lowest Silver) premium is $524/mo, the figure the IRS uses to calculate your Advance Premium Tax Credit. Enrollees whose expected income-based contribution falls below this amount receive a subsidy for the difference. Across all plans, the average annual deductible is $5,493 and the average out-of-pocket maximum is $9,309 — numbers that matter more than the sticker premium once you actually use care. Year-over-year, average premiums in La Crosse shifted by +22.4%, 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 La Crosse, consumers have some competitive choice, though narrower than the most competitive counties. 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
12 plans$611/mo avg
$522 — $802
Gold
11 plans$629/mo avg
$526 — $920
Catastrophic plan available: avg $393/mo (1 plan) — only for individuals under 30 or with a hardship exemption.
Benchmark Premium & Subsidies
The benchmark premium (2nd-lowest Silver plan) in La Crosse is $524/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
$524 /mo
Sets your subsidy ceiling
Avg deductible
$5,493
Across all metal tiers
La Crosse ACA plans by premium and deductible
Each marker is the La Crosse average for one metal tier (and the local Bronze low / Silver high extremes where data is available). The dashed line marks the federal out-of-pocket-maximum ceiling.
Source: CMS Marketplace PUF for La Crosse, plan year 2026. Bronze = catastrophic-only zone (high deductible). Gold/Platinum = premium-heavy zone (low deductible).
Issuers in La Crosse
| Issuer | Plans | Avg Premium (Age 27) |
|---|---|---|
| Quartz | 19 | $496/mo |
| Medica | 9 | $523/mo |
| Anthem Blue Cross and Blue Shield | 9 | $742/mo |
All Plans in La Crosse
| Plan Name | Metal | Type | Premium (27) | Premium (40) | Deductible | OOP Max |
|---|---|---|---|---|---|---|
| QUARTZ GUNDERSEN PERFORMANCE CATASTROPHIC $10,600 DED Quartz | Catastrophic | HMO | $393.24 | $479.54 | $10,600 | $10,600 |
| QUARTZ GUNDERSEN PERFORMANCE BRONZE $10,150 DED Quartz | Expanded Bronze | HMO | $374.63 | $456.84 | $10,150 | $10,600 |
| QUARTZ GUNDERSEN PERFORMANCE BRONZE (DENTAL & VISION) $10,150 DED Quartz | Expanded Bronze | HMO | $387.25 | $472.23 | $10,150 | $10,600 |
| Engage by Medica Bronze Share Medica | Expanded Bronze | EPO | $405.17 | $494.09 | $8,000 | $10,600 |
| QUARTZ GUNDERSEN PERFORMANCE BRONZE STANDARD EASY PRICING Quartz | Expanded Bronze | HMO | $408.45 | $498.09 | $7,500 | $10,000 |
| QUARTZ GUNDERSEN PERFORMANCE BRONZE $0 MEDICAL DED Quartz | Expanded Bronze | HMO | $421.82 | $514.40 | $0 | $10,400 |
| QUARTZ GUNDERSEN PERFORMANCE BRONZE (DENTAL & VISION) STANDARD EASY PRICING Quartz | Expanded Bronze | HMO | $422.21 | $514.87 | $7,500 | $10,000 |
| QUARTZ GUNDERSEN PERFORMANCE BRONZE (DENTAL & VISION) $0 MEDICAL DED Quartz | Expanded Bronze | HMO | $436.03 | $531.73 | $0 | $10,400 |
| Engage by Medica Expanded Bronze Standard Medica | Expanded Bronze | EPO | $440.01 | $536.58 | $7,500 | $10,000 |
| Engage by Medica Bronze HSA Medica | Expanded Bronze | EPO | $450.05 | $548.82 | $7,500 | $8,500 |
| Anthem Bronze Preferred/Broad 5000 (3 Free PCP Visits + $0 Select Drugs + Incentives) Anthem Blue Cross and Blue Shield | Expanded Bronze | POS | $594.47 | $724.93 | $5,000 | $10,600 |
| Anthem Bronze Preferred/Broad HSA (+ Incentives) Anthem Blue Cross and Blue Shield | Expanded Bronze | POS | $601.07 | $732.98 | $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 | $602.02 | $734.15 | $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 | $637.39 | $777.28 | $0 | $10,600 |
| QUARTZ GUNDERSEN PERFORMANCE SILVER $8,000 DED Quartz | Silver | HMO | $522.49 | $637.16 | $8,000 | $9,900 |
| QUARTZ GUNDERSEN PERFORMANCE SILVER $9,000 DED Quartz | Silver | HMO | $523.52 | $638.42 | $9,000 | $10,250 |
| QUARTZ GUNDERSEN PERFORMANCE SILVER STANDARD EASY PRICING Quartz | Silver | HMO | $535.73 | $653.31 | $6,000 | $8,900 |
| QUARTZ GUNDERSEN PERFORMANCE SILVER (DENTAL & VISION) $8,000 DED Quartz | Silver | HMO | $540.09 | $658.62 | $8,000 | $9,900 |
| QUARTZ GUNDERSEN PERFORMANCE SILVER (DENTAL & VISION) $9,000 DED Quartz | Silver | HMO | $541.16 | $659.92 | $9,000 | $10,250 |
| QUARTZ GUNDERSEN PERFORMANCE SILVER (DENTAL & VISION) STANDARD EASY PRICING Quartz | Silver | HMO | $553.78 | $675.32 | $6,000 | $8,900 |
| Engage by Medica Silver $0 Copay PCP Visits Medica | Silver | EPO | $560.46 | $683.46 | $3,500 | $10,450 |
| Engage by Medica Silver Share Medica | Silver | EPO | $572.80 | $698.51 | $3,525 | $8,850 |
| Engage by Medica Silver Standard Medica | Silver | EPO | $574.24 | $700.27 | $6,000 | $8,900 |
| Anthem Silver Preferred/Broad Standard ($0 Virtual PCP + $0 Select Drugs + Incentives) Anthem Blue Cross and Blue Shield | Silver | POS | $800.91 | $976.69 | $6,000 | $8,900 |
| Anthem Silver Preferred/Broad 4000 ($0 PCP Visits + $0 Select Drugs + Incentives) Anthem Blue Cross and Blue Shield | Silver | POS | $801.08 | $976.89 | $4,000 | $9,400 |
| Anthem Silver Preferred/Broad 5500 ($0 Virtual PCP + $0 Select Drugs + Incentives) Anthem Blue Cross and Blue Shield | Silver | POS | $801.54 | $977.45 | $5,500 | $9,200 |
| QUARTZ GUNDERSEN PERFORMANCE GOLD $4,000 DED Quartz | Gold | HMO | $526.47 | $642.02 | $4,000 | $8,000 |
| QUARTZ GUNDERSEN PERFORMANCE GOLD (DENTAL & VISION) $4,000 DED Quartz | Gold | HMO | $544.21 | $663.64 | $4,000 | $8,000 |
| Engage by Medica Gold $0 Copay PCP Visits Medica | Gold | EPO | $559.36 | $682.12 | $1,500 | $8,800 |
| QUARTZ GUNDERSEN PERFORMANCE GOLD MAINTENANCE $700 DED Quartz | Gold | HMO | $561.71 | $684.98 | $700 | $9,300 |
| QUARTZ GUNDERSEN PERFORMANCE GOLD STANDARD EASY PRICING Quartz | Gold | HMO | $569.45 | $694.43 | $2,000 | $8,200 |
| Engage by Medica Gold Share Medica | Gold | EPO | $571.01 | $696.33 | $2,500 | $5,900 |
| Engage by Medica Gold Standard Medica | Gold | EPO | $577.65 | $704.42 | $2,000 | $8,200 |
| QUARTZ GUNDERSEN PERFORMANCE GOLD MAINTENANCE (DENTAL & VISION) $700 DED Quartz | Gold | HMO | $580.63 | $708.06 | $700 | $9,300 |
| QUARTZ GUNDERSEN PERFORMANCE GOLD (DENTAL & VISION) STANDARD EASY PRICING Quartz | Gold | HMO | $588.64 | $717.82 | $2,000 | $8,200 |
| Anthem Gold Preferred/Broad 1000 ($0 Virtual PCP + $0 Select Drugs + Incentives) Anthem Blue Cross and Blue Shield | Gold | POS | $920.10 | $1,122.03 | $1,000 | $7,200 |
| Anthem Gold Preferred/Broad Standard ($0 Virtual PCP + $0 Select Drugs + Incentives) Anthem Blue Cross and Blue Shield | Gold | POS | $920.16 | $1,122.11 | $2,000 | $8,200 |
Silver Premium Trend (2022-2026)
| Year | Avg Premium | Min | Max | Plans | Issuers |
|---|---|---|---|---|---|
| 2022 | $469/mo | $424 | $567 | 9 | 2 |
| 2023 | $516/mo | $469 | $559 | 22 | 3 |
| 2024 | $543/mo | $482 | $609 | 13 | 3 |
| 2025 | $541/mo | $475 | $687 | 12 | 3 |
| 2026 | $611/mo | $522 | $802 | 12 | 3 |
Health Insurance Guides
Choosing a Metal Level
Bronze vs Silver vs Gold vs Platinum — which tier fits your needs and budget
Understanding ACA Subsidies
How premium tax credits work and how to estimate your subsidy amount
Related Health & Cost Data
Find Doctors
PlainDoctor — Healthcare providers in Wisconsin
Hospital Quality Ratings
PlainHospital — CMS star ratings and safety scores
Medicare Plans
PlainMedicare — Medicare Advantage and Part D data
Community Health Data
PlainHealth — CDC community health indicators
Health Access Metrics
PlainHealthAccess — Uninsured rates and provider shortages
Cost of Living
PlainCost — BEA regional price parities
Homeowners Insurance
PlainInsure — Treasury FIO premiums
Frequently Asked Questions
How many ACA plans are available in La Crosse, WI?
There are 37 ACA marketplace plans available in La Crosse from 3 insurance issuers for plan year 2026.
What is the cheapest health insurance plan in La Crosse?
Silver plans in La Crosse start at $522/mo (age 27). Actual premiums vary by age and may be reduced by premium tax credits.
What is the benchmark premium for La Crosse?
The benchmark (second-lowest Silver) premium in La Crosse is $524/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 La Crosse?
Average premiums in La Crosse changed by +22.4% 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 La Crosse?
The average annual deductible across all plans in La Crosse is $5,493, and the average out-of-pocket maximum is $9,309. 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 La Crosse?
There are 3 insurance issuers offering ACA marketplace plans in La Crosse, including Quartz, Medica, 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.
All federal data sources used on this page
- U.S. Census Bureau ACS — demographic + housing + income data. census.gov/programs-surveys/acs
- BLS Occupational Employment and Wage Statistics (OEWS) — wage + employment by occupation. bls.gov/oes
- BEA Regional Economic Accounts — GDP + personal income by state/metro. bea.gov/data/regional
- U.S. Census Bureau County Business Patterns — establishment + employment by industry. census.gov/cbp
- IRS Statistics of Income (SOI) — tax-return aggregate data. irs.gov/statistics
- data.gov — U.S. federal open-data portal — discovery layer for additional federal sources. data.gov
Related
Data sourced from official U.S. government datasets. See our methodology for details. Retrieved and formatted by PlainHealthPlan Editorial
