ACA plans available
26
Plan year 2026
CMS Marketplace county · plan year 2026
Polk, 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
- $572
- Silver avg/mo
- 26
- ACA plans
- 3
- Issuers
- +14.2%
- YoY premium
Silver avg $572/mo
Polk, Wisconsin has 26 ACA marketplace plans from 3 issuers (plan year 2026). Average Silver premium is $572/mo; Bronze averages $443/mo and Gold $605/mo. Figures are CMS Marketplace Public Use File county aggregates for age-27 rates.
- County Silver corpus place #1510 of 2055 (highest = #1)
- Benchmark (2nd-lowest Silver) $512/mo
- Plan year 2026 CMS PUF
Silver rank is not plan-count rank
According to CMS Marketplace Public Use Files, Polk, Wisconsin ranks #1,510 of 2,055 counties by listed Silver average ($572/mo) and #1,784 of 2,055 by plan count (26 plans).
- #1,510 of 2,055
- Silver average among 2,055 counties
- $572
- Listed Silver average /mo
- #1,784 of 2,055
- Plan count among 2,055 counties
- 26
- 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.
Polk, Wisconsin offers 26 ACA marketplace plans from 3 issuers for plan year 2026. Bronze plans start at $374/mo and Silver plans start at $494/mo (age 27 listed rates). Use the tables below to compare premiums, deductibles, and issuers across all metal tiers.
$572
Avg Silver Premium/mo
$512
Benchmark Premium/mo
+14.2%
Year-over-Year Change
$4,813
Avg Deductible
Lower-premium band
Polk in the lower-premium third
$572/mo Silver avg sits in the bottom third of tracked federal-marketplace counties. Corpus place #1510 of 2055 (highest Silver = #1).
Floor-to-ceiling Silver runs $494–$683/mo. Plan book is thin (26 plans) relative to other tracked counties. Network types split fairly evenly here between EPO and POS, 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
10 plans$443/mo avg
$374 - $543
Silver
9 plans$572/mo avg
$494 - $683
Gold
7 plans$605/mo avg
$516 - $784
Benchmark premium & subsidies
The benchmark (second-lowest Silver) premium in Polk is $512/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
$512 /mo
Sets your subsidy ceiling
Avg deductible
$4,813
Across all metal tiers
C-
Marketplace Access Score
53/100
Polk
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 B
$512/mo
Benchmark Silver premium; rank #1510 of 2055 tracked counties (cheapest first)
Plan Choice F
26 plans
ACA marketplace plan count; rank #1784 of 2055 tracked counties (most first)
Issuer Competition F
3 issuers
Distinct marketplace issuers; rank #1449 of 2055 tracked counties (most first)
Cost Predictability B
$4,813
Average deductible across tracked plans; rank #1532 of 2055 tracked counties (lowest first)
Polk ACA plans by premium and deductible
Each marker is the Polk 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.
Polk ACA marketplace plans: premium vs deductible
How Polk's Silver premium compares nationwide
2,055 federal-marketplace counties with a tracked Silver average, banded by monthly premium.
Polk vs 2,055 tracked counties
Average Silver premium (age 27), CMS Marketplace Public Use Files
$572 1510th of 2055 higher than 545 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 Polk
| Issuer | Plans | Avg Premium (Age 27) |
|---|---|---|
| Medica | 9 | $483/mo |
| Anthem Blue Cross and Blue Shield | 9 | $633/mo |
| HealthPartners | 8 | $471/mo |
All Plans in Polk
| Plan Name | Metal | Type | Premium (27) | Premium (40) | Deductible | OOP Max |
|---|---|---|---|---|---|---|
| Medica Individual Choice Bronze Share Medica | Expanded Bronze | EPO | $373.68 | $455.69 | $8,000 | $10,600 |
| Atlas $8,400 HSA Bronze HealthPartners | Expanded Bronze | PPO | $377.36 | $460.18 | $8,400 | $8,400 |
| Atlas $6,800 Plus Bronze HSA HealthPartners | Expanded Bronze | PPO | $381.58 | $465.32 | $6,800 | $10,600 |
| Atlas $7,500 Standard Bronze HSA HealthPartners | Expanded Bronze | PPO | $396.71 | $483.77 | $7,500 | $10,000 |
| Medica Individual Choice Expanded Bronze Standard Medica | Expanded Bronze | EPO | $405.81 | $494.87 | $7,500 | $10,000 |
| Medica Individual Choice Bronze HSA Medica | Expanded Bronze | EPO | $415.07 | $506.16 | $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 | $506.79 | $618.02 | $5,000 | $10,600 |
| Anthem Bronze Preferred/Broad HSA (+ Incentives) Anthem Blue Cross and Blue Shield | Expanded Bronze | POS | $512.42 | $624.88 | $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 | $513.24 | $625.87 | $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 | $543.39 | $662.64 | $0 | $10,600 |
| Atlas $3,800 HSA Silver HealthPartners | Silver | PPO | $494.01 | $602.42 | $3,800 | $8,000 |
| Atlas $3,050 Plus Silver HealthPartners | Silver | PPO | $512.21 | $624.62 | $3,050 | $9,700 |
| Medica Individual Choice Silver $0 Copay PCP Visits Medica | Silver | EPO | $516.90 | $630.34 | $3,500 | $10,450 |
| Atlas $6,000 Standard Silver HealthPartners | Silver | PPO | $520.28 | $634.46 | $6,000 | $8,900 |
| Medica Individual Choice Silver Share Medica | Silver | EPO | $528.28 | $644.22 | $3,525 | $8,850 |
| Medica Individual Choice Silver Standard Medica | Silver | EPO | $529.61 | $645.84 | $6,000 | $8,900 |
| Anthem Silver Preferred/Broad Standard ($0 Virtual PCP + $0 Select Drugs + Incentives) Anthem Blue Cross and Blue Shield | Silver | POS | $682.79 | $832.64 | $6,000 | $8,900 |
| Anthem Silver Preferred/Broad 4000 ($0 PCP Visits + $0 Select Drugs + Incentives) Anthem Blue Cross and Blue Shield | Silver | POS | $682.94 | $832.82 | $4,000 | $9,400 |
| Anthem Silver Preferred/Broad 5500 ($0 Virtual PCP + $0 Select Drugs + Incentives) Anthem Blue Cross and Blue Shield | Silver | POS | $683.32 | $833.28 | $5,500 | $9,200 |
| Medica Individual Choice Gold $0 Copay PCP Visits Medica | Gold | EPO | $515.88 | $629.10 | $1,500 | $8,800 |
| Medica Individual Choice Gold Share Medica | Gold | EPO | $526.63 | $642.21 | $2,500 | $5,900 |
| Medica Individual Choice Gold Standard Medica | Gold | EPO | $532.75 | $649.67 | $2,000 | $8,200 |
| Atlas $2,000 Standard Gold HealthPartners | Gold | PPO | $539.35 | $657.72 | $2,000 | $8,200 |
| Atlas $1,300 Gold HealthPartners | Gold | PPO | $549.12 | $669.63 | $1,300 | $8,600 |
| Anthem Gold Preferred/Broad 1000 ($0 Virtual PCP + $0 Select Drugs + Incentives) Anthem Blue Cross and Blue Shield | Gold | POS | $784.41 | $956.56 | $1,000 | $7,200 |
| Anthem Gold Preferred/Broad Standard ($0 Virtual PCP + $0 Select Drugs + Incentives) Anthem Blue Cross and Blue Shield | Gold | POS | $784.45 | $956.61 | $2,000 | $8,200 |
Silver Premium Trend (2022-2026)
| Year | Avg Premium | Min | Max | Plans | Issuers |
|---|---|---|---|---|---|
| 2022 | $411/mo | $374 | $435 | 6 | 2 |
| 2023 | $434/mo | $409 | $464 | 10 | 3 |
| 2024 | $468/mo | $429 | $516 | 10 | 3 |
| 2025 | $501/mo | $445 | $586 | 9 | 3 |
| 2026 | $572/mo | $494 | $683 | 9 | 3 |
What this means for Polk
Use Polk's own numbers here, not a national average, before you enroll.
- $572/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
- 26 plans from 3 issuers puts Polk 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 Polk's Silver premium in the lower band?
Polk ranks #1510 of 2055 tracked federal-marketplace counties by average Silver premium (highest = #1; CMS PUF sort). Local Silver avg is $572/mo. See /methodology#corpus-placement.
Why does Polk carry a thin ACA plan book?
Polk lists 26 marketplace plans from 3 issuers - a bottom-third inventory vs other tracked counties (plan year 2026).
What is the cheapest health insurance plan in Polk?
The lowest-premium plan in Polk starts at $374/mo (Bronze tier, age 27). Silver plans start at $494/mo. Actual premiums vary by age and may be reduced by premium tax credits.
What is the benchmark premium for Polk?
The benchmark (second-lowest Silver) premium in Polk is $512/mo for a 27-year-old. This amount determines how much premium tax credit subsidy you may be eligible for.
Why did Polk premiums rise +14.2% year-over-year?
The average age-27 premium in Polk changed by +14.2% 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 Polk?
The average annual deductible across all plans in Polk is $4,813, and the average out-of-pocket maximum is $9,044. 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 Polk?
There are 3 insurance issuers offering ACA marketplace plans in Polk, including Medica, Anthem Blue Cross and Blue Shield, HealthPartners. 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 Polk, WI's $512/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 Polk, 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 ($512/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.