ACA plans available
35
Plan year 2026
2026 data Public-data reference. official source
Milwaukee, Wisconsin Health Insurance
Open-data reference.
35 ACA plans from 3 issuers — Plan year 2026
Milwaukee, Wisconsin offers 35 ACA marketplace plans from 3 issuers for plan year 2026. Bronze plans start at $418/mo and Silver plans start at $526/mo (age 27, before subsidies). Use the tables below to compare premiums, deductibles, and issuers across all metal tiers.
$548
Avg Silver Premium/mo
$544
Benchmark Premium/mo
+25.8%
Year-over-Year Change
$4,457
Avg Deductible
What the Numbers Say About Milwaukee
Milwaukee, Wisconsin has 35 ACA marketplace plans offered by 3 issuers for plan year 2026. The average Silver-tier premium comes in at $548/mo for a 27-year-old non-tobacco user, with the lowest Silver at $526 and the highest at $564. Bronze plans start at $418/mo — useful for healthy enrollees who want catastrophic protection with the lowest monthly outlay.
The benchmark (second-lowest Silver) premium is $544/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 $4,457 and the average out-of-pocket maximum is $8,864 — numbers that matter more than the sticker premium once you actually use care. Year-over-year, average premiums in Milwaukee shifted by +25.8%, 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 Milwaukee, 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
Bronze
1 plan$418/mo avg
$418 — $418
Silver
11 plans$548/mo avg
$526 — $564
Gold
11 plans$592/mo avg
$549 — $631
Benchmark Premium & Subsidies
The benchmark premium (2nd-lowest Silver plan) in Milwaukee is $544/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
$544 /mo
Sets your subsidy ceiling
Avg deductible
$4,457
Across all metal tiers
Milwaukee ACA plans by premium and deductible
Each marker is the Milwaukee 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 Milwaukee, plan year 2026. Each point is the county average for one metal tier (premium age 27 vs average annual deductible).
Issuers in Milwaukee
| Issuer | Plans | Avg Premium (Age 27) |
|---|---|---|
| UnitedHealthcare | 13 | $535/mo |
| Network Health | 13 | $502/mo |
| Anthem Blue Cross and Blue Shield | 9 | $509/mo |
All Plans in Milwaukee
| Plan Name | Metal | Type | Premium (27) | Premium (40) | Deductible | OOP Max |
|---|---|---|---|---|---|---|
| UHC Bronze Essential ($0 Virtual Urgent Care, No Referrals) UnitedHealthcare | Bronze | HMO | $417.59 | $509.23 | $10,600 | $10,600 |
| Prestige Bronze Essential + 3 Free PCP Visits Network Health | Expanded Bronze | HMO | $397.32 | $484.52 | $7,750 | $9,500 |
| Prestige Bronze Essential + Dental + Vision + 3 Free PCP Visits Network Health | Expanded Bronze | HMO | $401.41 | $489.50 | $7,750 | $9,500 |
| Anthem Bronze Pathway/Lean 5000 (3 Free PCP Visits + $0 Select Drugs + Incentives) Anthem Blue Cross and Blue Shield | Expanded Bronze | HMO | $407.83 | $497.33 | $5,000 | $10,600 |
| Anthem Bronze Pathway/Lean HSA (+ Incentives) Anthem Blue Cross and Blue Shield | Expanded Bronze | HMO | $412.40 | $502.91 | $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 | $413.06 | $503.71 | $7,500 | $10,000 |
| Prestige Bronze Plus Network Health | Expanded Bronze | HMO | $413.94 | $504.78 | $7,500 | $10,000 |
| Prestige Bronze $0 Medical Deductible Network Health | Expanded Bronze | HMO | $429.74 | $524.05 | $0 | $9,200 |
| Prestige Bronze $0 Medical Deductible + Dental + Vision Network Health | Expanded Bronze | HMO | $434.16 | $529.44 | $0 | $9,200 |
| UHC Bronze Standard (No Referrals) UnitedHealthcare | Expanded Bronze | HMO | $436.32 | $532.08 | $7,500 | $10,000 |
| 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 | $437.32 | $533.30 | $0 | $10,600 |
| UHC Bronze Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, No Referrals) UnitedHealthcare | Expanded Bronze | HMO | $456.27 | $556.41 | $0 | $10,600 |
| UHC Bronze Copay Focus+ $0 Indiv Med Ded ($0 Virtual Urgent Care, Dental + Vision, No Referrals) UnitedHealthcare | Expanded Bronze | HMO | $469.30 | $572.30 | $0 | $10,600 |
| Prestige Silver Network Health | Silver | HMO | $526.13 | $641.59 | $6,000 | $8,900 |
| Prestige Silver Essential + 3 Free PCP Visits Network Health | Silver | HMO | $543.62 | $662.93 | $4,600 | $9,100 |
| UHC Silver Standard (No Referrals) UnitedHealthcare | Silver | HMO | $544.17 | $663.60 | $6,000 | $8,900 |
| UHC Silver Value ($0 Virtual Urgent Care, $8 Tier 2 Rx, No Referrals) UnitedHealthcare | Silver | HMO | $544.19 | $663.63 | $4,000 | $8,750 |
| Prestige Silver Essential + Dental + Vision + 3 Free PCP Visits Network Health | Silver | HMO | $549.21 | $669.75 | $4,600 | $9,100 |
| Anthem Silver Pathway/Lean Standard ($0 Virtual PCP + $0 Select Drugs + Incentives) Anthem Blue Cross and Blue Shield | Silver | HMO | $549.52 | $670.12 | $6,000 | $8,900 |
| Anthem Silver Pathway/Lean 4000 ($0 PCP Visits + $0 Select Drugs + Incentives) Anthem Blue Cross and Blue Shield | Silver | HMO | $549.61 | $670.23 | $4,000 | $9,400 |
| Anthem Silver Pathway/Lean 5500 ($0 Virtual PCP + $0 Select Drugs + Incentives) Anthem Blue Cross and Blue Shield | Silver | HMO | $549.92 | $670.60 | $5,500 | $9,200 |
| UHC Silver Advantage ($0 Virtual Urgent Care, $5 Tier 2 Rx, No Referrals) UnitedHealthcare | Silver | HMO | $550.73 | $671.60 | $3,500 | $9,800 |
| UHC Silver Value+ ($0 Virtual Urgent Care, $8 Tier 2 Rx, Dental + Vision, No Referrals) UnitedHealthcare | Silver | HMO | $557.22 | $679.51 | $4,000 | $8,750 |
| UHC Silver Advantage+ ($0 Virtual Urgent Care, $5 Tier 2 Rx, Dental + Vision, No Referrals) UnitedHealthcare | Silver | HMO | $563.76 | $687.49 | $3,500 | $9,800 |
| Prestige Gold Network Health | Gold | HMO | $548.62 | $669.02 | $2,000 | $8,200 |
| Prestige Gold Essential + 3Free PCP Visits Network Health | Gold | HMO | $549.36 | $669.92 | $1,750 | $8,950 |
| Prestige Gold Essential + Dental + Vision + 3 Free PCP Visits Network Health | Gold | HMO | $555.01 | $676.81 | $1,750 | $8,950 |
| Prestige Gold 50 + 1 Free PCP Visit Network Health | Gold | HMO | $585.95 | $714.55 | $1,000 | $4,300 |
| Prestige Gold 50 + Dental + Vision + 1 Free PCP Visit Network Health | Gold | HMO | $591.98 | $721.90 | $1,000 | $4,300 |
| UHC Gold Standard (No Referrals) UnitedHealthcare | Gold | HMO | $595.48 | $726.16 | $2,000 | $8,200 |
| UHC Gold Advantage ($0 Virtual Urgent Care, $5 Tier 2 Rx, No Referrals) UnitedHealthcare | Gold | HMO | $599.94 | $731.61 | $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 | $612.53 | $746.96 | $0 | $8,500 |
| UHC Gold Advantage+ ($0 Virtual Urgent Care, $5 Tier 2 Rx, Dental + Vision, No Referrals) UnitedHealthcare | Gold | HMO | $612.97 | $747.50 | $1,500 | $7,000 |
| Anthem Gold Pathway/Lean 1000 ($0 Virtual PCP + $0 Select Drugs + Incentives) Anthem Blue Cross and Blue Shield | Gold | HMO | $631.26 | $769.80 | $1,000 | $7,200 |
| Anthem Gold Pathway/Lean Standard ($0 Virtual PCP + $0 Select Drugs + Incentives) Anthem Blue Cross and Blue Shield | Gold | HMO | $631.32 | $769.87 | $2,000 | $8,200 |
Silver Premium Trend (2022-2026)
| Year | Avg Premium | Min | Max | Plans | Issuers |
|---|---|---|---|---|---|
| 2022 | $376/mo | $301 | $569 | 44 | 7 |
| 2023 | $419/mo | $324 | $593 | 47 | 6 |
| 2024 | $437/mo | $329 | $586 | 42 | 7 |
| 2025 | $467/mo | $375 | $592 | 33 | 7 |
| 2026 | $548/mo | $526 | $564 | 11 | 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
Explore Wisconsin ACA Data
All of Wisconsin
Statewide premiums, every county ranked by Silver average
Cheapest states
Where ACA premiums are lowest nationwide
Estimate your subsidy
Premium tax credit calculator using your county benchmark
Frequently Asked Questions
How many ACA plans are available in Milwaukee, WI?
There are 35 ACA marketplace plans available in Milwaukee from 3 insurance issuers for plan year 2026.
What is the cheapest health insurance plan in Milwaukee?
The lowest-premium plan in Milwaukee starts at $418/mo (Bronze tier, age 27). Silver plans start at $526/mo. Actual premiums vary by age and may be reduced by premium tax credits.
What is the benchmark premium for Milwaukee?
The benchmark (second-lowest Silver) premium in Milwaukee is $544/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 Milwaukee?
Average premiums in Milwaukee changed by +25.8% 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 Milwaukee?
The average annual deductible across all plans in Milwaukee is $4,457, and the average out-of-pocket maximum is $8,864. 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 Milwaukee?
There are 3 insurance issuers offering ACA marketplace plans in Milwaukee, including UnitedHealthcare, Network Health, 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.
Related
Data sourced from the CMS Health Insurance Marketplace Public Use Files. See our methodology for details. Retrieved and formatted by PlainHealthPlan Editorial
