ACA plans available
37
Plan year 2026
CMS Marketplace county · plan year 2026
La Crosse, 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
- $611
- Silver avg/mo
- 37
- ACA plans
- 3
- Issuers
- +12.9%
- YoY premium
Silver avg $611/mo
La Crosse, Wisconsin has 37 ACA marketplace plans from 3 issuers (plan year 2026). Average Silver premium is $611/mo; Bronze averages $475/mo and Gold $629/mo. Figures are CMS Marketplace Public Use File county aggregates for age-27 rates.
- County Silver corpus place #1234 of 2055 (highest = #1)
- Benchmark (2nd-lowest Silver) $524/mo
- Plan year 2026 CMS PUF
Silver rank is not plan-count rank
According to CMS Marketplace Public Use Files, La Crosse, Wisconsin ranks #1,234 of 2,055 counties by listed Silver average ($611/mo) and #1,322 of 2,055 by plan count (37 plans).
- #1,234 of 2,055
- Silver average among 2,055 counties
- $611
- Listed Silver average /mo
- #1,322 of 2,055
- Plan count among 2,055 counties
- 37
- 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.
La Crosse, Wisconsin offers 37 ACA marketplace plans from 3 issuers for plan year 2026. Bronze plans start at $375/mo and Silver plans start at $522/mo (age 27 listed rates). Use the tables below to compare premiums, deductibles, and issuers across all metal tiers.
$611
Avg Silver Premium/mo
$524
Benchmark Premium/mo
+12.9%
Year-over-Year Change
$5,493
Avg Deductible
Mid-pack marketplace
La Crosse marketplace standing
37 plans from 3 issuers for plan year 2026. Corpus place #1234 of 2055 (highest Silver = #1).
Mid-pack Silver avg $611/mo with 37 plans . YoY average shift: +12.9%. HMO is the most common network type in La Crosse, with EPO and POS 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
13 plans$475/mo avg
$375 - $637
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 (second-lowest Silver) premium 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.
Issuers in market
3
Some competition
Benchmark Silver
$524 /mo
Sets your subsidy ceiling
Avg deductible
$5,493
Across all metal tiers
F
Marketplace Access Score
38/100
La Crosse
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 C+
$524/mo
Benchmark Silver premium; rank #1234 of 2055 tracked counties (cheapest first)
Plan Choice F
37 plans
ACA marketplace plan count; rank #1322 of 2055 tracked counties (most first)
Issuer Competition F
3 issuers
Distinct marketplace issuers; rank #1283 of 2055 tracked counties (most first)
Cost Predictability F
$5,493
Average deductible across tracked plans; rank #215 of 2055 tracked counties (lowest first)
La Crosse ACA plans by premium and deductible
Each marker is the La Crosse 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.
La Crosse ACA marketplace plans: premium vs deductible
How La Crosse's Silver premium compares nationwide
2,055 federal-marketplace counties with a tracked Silver average, banded by monthly premium.
La Crosse vs 2,055 tracked counties
Average Silver premium (age 27), CMS Marketplace Public Use Files
$611 1234th of 2055 higher than 821 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 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 |
What this means for La Crosse
Use La Crosse's own numbers here, not a national average, before you enroll.
- $611/mo Silver average is mid-pack nationally -- estimate your own subsidy before comparing tiers. Estimate your subsidy
- 37 plans from 3 issuers here -- see how that stacks up against the cheapest counties nationwide. See cheapest counties
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
Where does La Crosse sit on Silver premiums vs other counties?
La Crosse ranks #1234 of 2055 tracked federal-marketplace counties by average Silver premium (highest = #1; CMS PUF sort). Local Silver avg is $611/mo. See /methodology#corpus-placement.
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?
The lowest-premium plan in La Crosse starts at $375/mo (Bronze tier, age 27). Silver plans start at $522/mo. 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.
Why did La Crosse premiums rise +12.9% year-over-year?
The average age-27 premium in La Crosse changed by +12.9% between plan years 2025 and 2026, measured across Bronze, Silver, Gold, Platinum and Catastrophic plans. Premium trends are tracked from 2022 to 2026.
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.
Counties With a Similar Benchmark Premium
The closest counties nationwide to La Crosse, WI's $524/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 La Crosse, 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 ($524/mo here).
Similar issuer competition
Nearest other-state counties by issuer count (3 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.