ACA plans available
40
Plan year 2026
CMS Marketplace county · plan year 2026
Manitowoc, 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
- $494
- Silver avg/mo
- 40
- ACA plans
- 3
- Issuers
- +9.7%
- YoY premium
Silver avg $494/mo
Manitowoc, Wisconsin has 40 ACA marketplace plans from 3 issuers (plan year 2026). Average Silver premium is $494/mo; Bronze averages $395/mo and Gold $558/mo. Figures are CMS Marketplace Public Use File county aggregates for age-27 rates.
- County Silver corpus place #1885 of 2055 (highest = #1)
- Benchmark (2nd-lowest Silver) $445/mo
- Plan year 2026 CMS PUF
Silver rank is not plan-count rank
According to CMS Marketplace Public Use Files, Manitowoc, Wisconsin ranks #1,885 of 2,055 counties by listed Silver average ($494/mo) and #1,191 of 2,055 by plan count (40 plans).
- #1,885 of 2,055
- Silver average among 2,055 counties
- $494
- Listed Silver average /mo
- #1,191 of 2,055
- Plan count among 2,055 counties
- 40
- 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.
Manitowoc, Wisconsin offers 40 ACA marketplace plans from 3 issuers for plan year 2026. Bronze plans start at $367/mo and Silver plans start at $444/mo (age 27 listed rates). Use the tables below to compare premiums, deductibles, and issuers across all metal tiers.
$494
Avg Silver Premium/mo
$445
Benchmark Premium/mo
+9.7%
Year-over-Year Change
$4,992
Avg Deductible
Lower-premium band
Manitowoc in the lower-premium third
$494/mo Silver avg sits in the bottom third of tracked federal-marketplace counties. Corpus place #1885 of 2055 (highest Silver = #1).
Floor-to-ceiling Silver runs $444–$553/mo. Network types split fairly evenly here between HMO and EPO, so comparing referral rules and out-of-network coverage across those two matters as much as comparing metal tiers.
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
14 plans$395/mo avg
$367 - $460
Silver
14 plans$494/mo avg
$444 - $553
Gold
12 plans$558/mo avg
$506 - $601
Benchmark premium & subsidies
The benchmark (second-lowest Silver) premium in Manitowoc is $445/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
$445 /mo
Sets your subsidy ceiling
Avg deductible
$4,992
Across all metal tiers
C+
Marketplace Access Score
60/100
Manitowoc
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+
$445/mo
Benchmark Silver premium; rank #1885 of 2055 tracked counties (cheapest first)
Plan Choice D
40 plans
ACA marketplace plan count; rank #1191 of 2055 tracked counties (most first)
Issuer Competition F
3 issuers
Distinct marketplace issuers; rank #1340 of 2055 tracked counties (most first)
Cost Predictability C-
$4,992
Average deductible across tracked plans; rank #1037 of 2055 tracked counties (lowest first)
Manitowoc ACA plans by premium and deductible
Each marker is the Manitowoc 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.
Manitowoc ACA marketplace plans: premium vs deductible
How Manitowoc's Silver premium compares nationwide
2,055 federal-marketplace counties with a tracked Silver average, banded by monthly premium.
Manitowoc vs 2,055 tracked counties
Average Silver premium (age 27), CMS Marketplace Public Use Files
$494 1885th of 2055 higher than 170 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 Manitowoc
| Issuer | Plans | Avg Premium (Age 27) |
|---|---|---|
| CareSource (Common Ground Healthcare) | 18 | $449/mo |
| UnitedHealthcare | 13 | $525/mo |
| Anthem Blue Cross and Blue Shield | 9 | $473/mo |
All Plans in Manitowoc
| Plan Name | Metal | Type | Premium (27) | Premium (40) | Deductible | OOP Max |
|---|---|---|---|---|---|---|
| UHC Bronze Essential ($0 Virtual Urgent Care, No Referrals) UnitedHealthcare | Bronze | HMO | $409.27 | $499.10 | $10,600 | $10,600 |
| CareSource (Common Ground Healthcare) Bronze Standard $7500 CareSource (Common Ground Healthcare) | Expanded Bronze | EPO | $367.18 | $447.76 | $7,500 | $10,000 |
| CareSource (Common Ground Healthcare) Bronze $9600 ($45 PCP Copay) CareSource (Common Ground Healthcare) | Expanded Bronze | EPO | $367.35 | $447.97 | $9,600 | $9,600 |
| CareSource (Common Ground Healthcare) Bronze Standard $7500 - Vision Exam CareSource (Common Ground Healthcare) | Expanded Bronze | EPO | $368.08 | $448.86 | $7,500 | $10,000 |
| CareSource (Common Ground Healthcare) Bronze $9600 ($45 PCP Copay) - Vision Exam CareSource (Common Ground Healthcare) | Expanded Bronze | EPO | $368.25 | $449.07 | $9,600 | $9,600 |
| Anthem Bronze Pathway/Lean 5000 (3 Free PCP Visits + $0 Select Drugs + Incentives) Anthem Blue Cross and Blue Shield | Expanded Bronze | HMO | $378.78 | $461.91 | $5,000 | $10,600 |
| Anthem Bronze Pathway/Lean HSA (+ Incentives) Anthem Blue Cross and Blue Shield | Expanded Bronze | HMO | $383.00 | $467.06 | $8,450 | $8,450 |
| Anthem Bronze Pathway/Lean Standard ($0 Virtual PCP + $0 Select Drugs + Incentives) Anthem Blue Cross and Blue Shield | Expanded Bronze | HMO | $383.60 | $467.79 | $7,500 | $10,000 |
| CareSource (Common Ground Healthcare) Bronze $0 Ded / $2500 Rx Ded CareSource (Common Ground Healthcare) | Expanded Bronze | EPO | $384.20 | $468.52 | $0 | $9,500 |
| CareSource (Common Ground Healthcare) Bronze $0 Ded / $2500 Rx Ded - Vision Exam CareSource (Common Ground Healthcare) | Expanded Bronze | EPO | $385.10 | $469.62 | $0 | $9,500 |
| Anthem Heart Healthy Bronze Pathway/Lean 0 Med Ded ($0 Virtual PCP+$0 Select Drugs+Incentives) Anthem Blue Cross and Blue Shield | Expanded Bronze | HMO | $406.16 | $495.30 | $0 | $10,600 |
| UHC Bronze Standard (No Referrals) UnitedHealthcare | Expanded Bronze | HMO | $427.64 | $521.49 | $7,500 | $10,000 |
| UHC Bronze Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, No Referrals) UnitedHealthcare | Expanded Bronze | HMO | $447.19 | $545.33 | $0 | $10,600 |
| UHC Bronze Copay Focus+ $0 Indiv Med Ded ($0 Virtual Urgent Care, Dental + Vision, No Referrals) UnitedHealthcare | Expanded Bronze | HMO | $459.96 | $560.91 | $0 | $10,600 |
| CareSource (Common Ground Healthcare) Silver $5000 Ded / $6000 Rx Ded CareSource (Common Ground Healthcare) | Silver | EPO | $443.68 | $541.05 | $5,000 | $10,600 |
| CareSource (Common Ground Healthcare) Silver $5000 Ded / $6000 Rx Ded - Vision Exam CareSource (Common Ground Healthcare) | Silver | EPO | $444.58 | $542.15 | $5,000 | $10,600 |
| CareSource (Common Ground Healthcare) Silver $4700 Ded / $5000 Rx Ded CareSource (Common Ground Healthcare) | Silver | EPO | $447.83 | $546.12 | $4,700 | $10,600 |
| CareSource (Common Ground Healthcare) Silver $4700 Ded / $5000 Rx Ded - Vision Exam CareSource (Common Ground Healthcare) | Silver | EPO | $448.73 | $547.21 | $4,700 | $10,600 |
| CareSource (Common Ground Healthcare) Silver Standard $6000 CareSource (Common Ground Healthcare) | Silver | EPO | $449.42 | $548.05 | $6,000 | $8,900 |
| CareSource (Common Ground Healthcare) Silver Standard $6000 - Vision Exam CareSource (Common Ground Healthcare) | Silver | EPO | $450.32 | $549.15 | $6,000 | $8,900 |
| Anthem Silver Pathway/Lean Standard ($0 Virtual PCP + $0 Select Drugs + Incentives) Anthem Blue Cross and Blue Shield | Silver | HMO | $510.32 | $622.32 | $6,000 | $8,900 |
| Anthem Silver Pathway/Lean 4000 ($0 PCP Visits + $0 Select Drugs + Incentives) Anthem Blue Cross and Blue Shield | Silver | HMO | $510.45 | $622.48 | $4,000 | $9,400 |
| Anthem Silver Pathway/Lean 5500 ($0 Virtual PCP + $0 Select Drugs + Incentives) Anthem Blue Cross and Blue Shield | Silver | HMO | $510.75 | $622.85 | $5,500 | $9,200 |
| UHC Silver Standard (No Referrals) UnitedHealthcare | Silver | HMO | $533.34 | $650.39 | $6,000 | $8,900 |
| UHC Silver Value ($0 Virtual Urgent Care, $8 Tier 2 Rx, No Referrals) UnitedHealthcare | Silver | HMO | $533.36 | $650.42 | $4,000 | $8,750 |
| UHC Silver Advantage ($0 Virtual Urgent Care, $5 Tier 2 Rx, No Referrals) UnitedHealthcare | Silver | HMO | $539.77 | $658.23 | $3,500 | $9,800 |
| UHC Silver Value+ ($0 Virtual Urgent Care, $8 Tier 2 Rx, Dental + Vision, No Referrals) UnitedHealthcare | Silver | HMO | $546.13 | $665.99 | $4,000 | $8,750 |
| UHC Silver Advantage+ ($0 Virtual Urgent Care, $5 Tier 2 Rx, Dental + Vision, No Referrals) UnitedHealthcare | Silver | HMO | $552.54 | $673.80 | $3,500 | $9,800 |
| CareSource (Common Ground Healthcare) Gold $3300 CareSource (Common Ground Healthcare) | Gold | EPO | $506.20 | $617.29 | $3,300 | $8,500 |
| CareSource (Common Ground Healthcare) Gold $3300 - Vision Exam CareSource (Common Ground Healthcare) | Gold | EPO | $507.10 | $618.39 | $3,300 | $8,500 |
| CareSource (Common Ground Healthcare) Gold Standard $2000 CareSource (Common Ground Healthcare) | Gold | EPO | $511.21 | $623.41 | $2,000 | $8,200 |
| CareSource (Common Ground Healthcare) Gold Standard $2000 - Vision Exam CareSource (Common Ground Healthcare) | Gold | EPO | $512.11 | $624.50 | $2,000 | $8,200 |
| CareSource (Common Ground Healthcare) Gold $0 Ded CareSource (Common Ground Healthcare) | Gold | EPO | $558.06 | $680.53 | $0 | $9,000 |
| CareSource (Common Ground Healthcare) Gold $0 Ded - Vision Exam CareSource (Common Ground Healthcare) | Gold | EPO | $558.95 | $681.62 | $0 | $9,000 |
| UHC Gold Standard (No Referrals) UnitedHealthcare | Gold | HMO | $583.62 | $711.71 | $2,000 | $8,200 |
| Anthem Gold Pathway/Lean 1000 ($0 Virtual PCP + $0 Select Drugs + Incentives) Anthem Blue Cross and Blue Shield | Gold | HMO | $586.27 | $714.94 | $1,000 | $7,200 |
| Anthem Gold Pathway/Lean Standard ($0 Virtual PCP + $0 Select Drugs + Incentives) Anthem Blue Cross and Blue Shield | Gold | HMO | $586.31 | $714.99 | $2,000 | $8,200 |
| UHC Gold Advantage ($0 Virtual Urgent Care, $5 Tier 2 Rx, No Referrals) UnitedHealthcare | Gold | HMO | $588.00 | $717.05 | $1,500 | $7,000 |
| UHC Gold Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, $5 Tier 2 Rx, No Referrals) UnitedHealthcare | Gold | HMO | $600.34 | $732.09 | $0 | $8,500 |
| UHC Gold Advantage+ ($0 Virtual Urgent Care, $5 Tier 2 Rx, Dental + Vision, No Referrals) UnitedHealthcare | Gold | HMO | $600.77 | $732.62 | $1,500 | $7,000 |
Silver Premium Trend (2022-2026)
| Year | Avg Premium | Min | Max | Plans | Issuers |
|---|---|---|---|---|---|
| 2022 | $387/mo | $310 | $455 | 40 | 7 |
| 2023 | $435/mo | $350 | $523 | 50 | 7 |
| 2024 | $441/mo | $377 | $581 | 42 | 7 |
| 2025 | $460/mo | $390 | $564 | 33 | 7 |
| 2026 | $494/mo | $444 | $553 | 14 | 3 |
What this means for Manitowoc
Use Manitowoc's own numbers here, not a national average, before you enroll.
- $494/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
- 40 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
Why is Manitowoc's Silver premium in the lower band?
Manitowoc ranks #1885 of 2055 tracked federal-marketplace counties by average Silver premium (highest = #1; CMS PUF sort). Local Silver avg is $494/mo. See /methodology#corpus-placement.
How many ACA plans are available in Manitowoc, WI?
There are 40 ACA marketplace plans available in Manitowoc from 3 insurance issuers for plan year 2026.
What is the cheapest health insurance plan in Manitowoc?
The lowest-premium plan in Manitowoc starts at $367/mo (Bronze tier, age 27). Silver plans start at $444/mo. Actual premiums vary by age and may be reduced by premium tax credits.
What is the benchmark premium for Manitowoc?
The benchmark (second-lowest Silver) premium in Manitowoc is $445/mo for a 27-year-old. This amount determines how much premium tax credit subsidy you may be eligible for.
Why did Manitowoc premiums rise +9.7% year-over-year?
The average age-27 premium in Manitowoc changed by +9.7% 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 Manitowoc?
The average annual deductible across all plans in Manitowoc is $4,992, and the average out-of-pocket maximum is $9,271. 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 Manitowoc?
There are 3 insurance issuers offering ACA marketplace plans in Manitowoc, including CareSource (Common Ground Healthcare), UnitedHealthcare, 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 Manitowoc, WI's $445/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 Manitowoc, 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 ($445/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.