ACA plans available
35
Plan year
2026 data Public-data reference. official source
Racine, Wisconsin Health Insurance
Open-data reference.
35 ACA plans from 3 issuers — Plan year 2026
Racine, Wisconsin offers 35 ACA marketplace plans from 3 issuers for plan year 2026. Bronze plans start at $409/mo and Silver plans start at $517/mo (age 27, before subsidies). Use the tables below to compare premiums, deductibles, and issuers across all metal tiers.
$550
Avg Silver Premium/mo
$517
Benchmark Premium/mo
+26.2%
Year-over-Year Change
$4,457
Avg Deductible
What the Numbers Say About Racine
Racine, Wisconsin has 35 ACA marketplace plans offered by 3 issuers for plan year 2026. The average Silver-tier premium comes in at $550/mo for a 27-year-old non-tobacco user, with the lowest Silver at $517 and the highest at $609. Bronze plans start at $409/mo — useful for healthy enrollees who want catastrophic protection with the lowest monthly outlay.
The benchmark (second-lowest Silver) premium is $517/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 $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 Racine shifted by +26.2%, 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 Racine, 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$409/mo avg
$409 — $409
Silver
11 plans$550/mo avg
$517 — $609
Gold
11 plans$609/mo avg
$583 — $656
Benchmark Premium & Subsidies
The benchmark premium (2nd-lowest Silver plan) in Racine is $517/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
$517 /mo
Sets your subsidy ceiling
Avg deductible
$4,457
Across all metal tiers
Racine ACA plans by premium and deductible
Each marker is the Racine 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 Racine, plan year 2026. Bronze = catastrophic-only zone (high deductible). Gold/Platinum = premium-heavy zone (low deductible).
Issuers in Racine
| Issuer | Plans | Avg Premium (Age 27) |
|---|---|---|
| UnitedHealthcare | 13 | $524/mo |
| Network Health | 13 | $556/mo |
| Anthem Blue Cross and Blue Shield | 9 | $479/mo |
All Plans in Racine
| Plan Name | Metal | Type | Premium (27) | Premium (40) | Deductible | OOP Max |
|---|---|---|---|---|---|---|
| UHC Bronze Essential ($0 Virtual Urgent Care, No Referrals) UnitedHealthcare | Bronze | HMO | $408.92 | $498.66 | $10,600 | $10,600 |
| Anthem Bronze Pathway/Lean 5000 (3 Free PCP Visits + $0 Select Drugs + Incentives) Anthem Blue Cross and Blue Shield | Expanded Bronze | HMO | $383.75 | $467.97 | $5,000 | $10,600 |
| Anthem Bronze Pathway/Lean HSA (+ Incentives) Anthem Blue Cross and Blue Shield | Expanded Bronze | HMO | $388.02 | $473.18 | $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 | $388.64 | $473.93 | $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 | $411.47 | $501.77 | $0 | $10,600 |
| UHC Bronze Standard (No Referrals) UnitedHealthcare | Expanded Bronze | HMO | $427.26 | $521.03 | $7,500 | $10,000 |
| Prestige Bronze Essential + 3 Free PCP Visits Network Health | Expanded Bronze | HMO | $440.23 | $536.84 | $7,750 | $9,500 |
| Prestige Bronze Essential + Dental + Vision + 3 Free PCP Visits Network Health | Expanded Bronze | HMO | $444.76 | $542.37 | $7,750 | $9,500 |
| UHC Bronze Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, No Referrals) UnitedHealthcare | Expanded Bronze | HMO | $446.80 | $544.86 | $0 | $10,600 |
| Prestige Bronze Plus Network Health | Expanded Bronze | HMO | $458.64 | $559.30 | $7,500 | $10,000 |
| UHC Bronze Copay Focus+ $0 Indiv Med Ded ($0 Virtual Urgent Care, Dental + Vision, No Referrals) UnitedHealthcare | Expanded Bronze | HMO | $459.56 | $560.41 | $0 | $10,600 |
| Prestige Bronze $0 Medical Deductible Network Health | Expanded Bronze | HMO | $476.15 | $580.64 | $0 | $9,200 |
| Prestige Bronze $0 Medical Deductible + Dental + Vision Network Health | Expanded Bronze | HMO | $481.05 | $586.62 | $0 | $9,200 |
| Anthem Silver Pathway/Lean Standard ($0 Virtual PCP + $0 Select Drugs + Incentives) Anthem Blue Cross and Blue Shield | Silver | HMO | $517.04 | $630.51 | $6,000 | $8,900 |
| Anthem Silver Pathway/Lean 4000 ($0 PCP Visits + $0 Select Drugs + Incentives) Anthem Blue Cross and Blue Shield | Silver | HMO | $517.14 | $630.63 | $4,000 | $9,400 |
| Anthem Silver Pathway/Lean 5500 ($0 Virtual PCP + $0 Select Drugs + Incentives) Anthem Blue Cross and Blue Shield | Silver | HMO | $517.43 | $630.99 | $5,500 | $9,200 |
| UHC Silver Standard (No Referrals) UnitedHealthcare | Silver | HMO | $532.87 | $649.82 | $6,000 | $8,900 |
| UHC Silver Value ($0 Virtual Urgent Care, $8 Tier 2 Rx, No Referrals) UnitedHealthcare | Silver | HMO | $532.89 | $649.85 | $4,000 | $8,750 |
| UHC Silver Advantage ($0 Virtual Urgent Care, $5 Tier 2 Rx, No Referrals) UnitedHealthcare | Silver | HMO | $539.30 | $657.65 | $3,500 | $9,800 |
| UHC Silver Value+ ($0 Virtual Urgent Care, $8 Tier 2 Rx, Dental + Vision, No Referrals) UnitedHealthcare | Silver | HMO | $545.65 | $665.40 | $4,000 | $8,750 |
| UHC Silver Advantage+ ($0 Virtual Urgent Care, $5 Tier 2 Rx, Dental + Vision, No Referrals) UnitedHealthcare | Silver | HMO | $552.06 | $673.21 | $3,500 | $9,800 |
| Prestige Silver Network Health | Silver | HMO | $582.95 | $710.89 | $6,000 | $8,900 |
| Prestige Silver Essential + 3 Free PCP Visits Network Health | Silver | HMO | $602.33 | $734.52 | $4,600 | $9,100 |
| Prestige Silver Essential + Dental + Vision + 3 Free PCP Visits Network Health | Silver | HMO | $608.53 | $742.08 | $4,600 | $9,100 |
| UHC Gold Standard (No Referrals) UnitedHealthcare | Gold | HMO | $583.11 | $711.08 | $2,000 | $8,200 |
| UHC Gold Advantage ($0 Virtual Urgent Care, $5 Tier 2 Rx, No Referrals) UnitedHealthcare | Gold | HMO | $587.49 | $716.42 | $1,500 | $7,000 |
| Anthem Gold Pathway/Lean 1000 ($0 Virtual PCP + $0 Select Drugs + Incentives) Anthem Blue Cross and Blue Shield | Gold | HMO | $593.94 | $724.29 | $1,000 | $7,200 |
| Anthem Gold Pathway/Lean Standard ($0 Virtual PCP + $0 Select Drugs + Incentives) Anthem Blue Cross and Blue Shield | Gold | HMO | $594.00 | $724.36 | $2,000 | $8,200 |
| UHC Gold Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, $5 Tier 2 Rx, No Referrals) UnitedHealthcare | Gold | HMO | $599.81 | $731.45 | $0 | $8,500 |
| UHC Gold Advantage+ ($0 Virtual Urgent Care, $5 Tier 2 Rx, Dental + Vision, No Referrals) UnitedHealthcare | Gold | HMO | $600.25 | $731.98 | $1,500 | $7,000 |
| Prestige Gold Network Health | Gold | HMO | $607.87 | $741.27 | $2,000 | $8,200 |
| Prestige Gold Essential + 3Free PCP Visits Network Health | Gold | HMO | $608.69 | $742.27 | $1,750 | $8,950 |
| Prestige Gold Essential + Dental + Vision + 3 Free PCP Visits Network Health | Gold | HMO | $614.95 | $749.91 | $1,750 | $8,950 |
| Prestige Gold 50 + 1 Free PCP Visit Network Health | Gold | HMO | $649.24 | $791.72 | $1,000 | $4,300 |
| Prestige Gold 50 + Dental + Vision + 1 Free PCP Visit Network Health | Gold | HMO | $655.92 | $799.87 | $1,000 | $4,300 |
Silver Premium Trend (2022-2026)
| Year | Avg Premium | Min | Max | Plans | Issuers |
|---|---|---|---|---|---|
| 2022 | $414/mo | $340 | $580 | 44 | 7 |
| 2023 | $430/mo | $357 | $604 | 47 | 6 |
| 2024 | $440/mo | $366 | $566 | 42 | 7 |
| 2025 | $471/mo | $376 | $582 | 33 | 7 |
| 2026 | $550/mo | $517 | $609 | 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
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 Racine, WI?
There are 35 ACA marketplace plans available in Racine from 3 insurance issuers for plan year 2026.
What is the cheapest health insurance plan in Racine?
The lowest-premium plan in Racine starts at $409/mo (Bronze tier, age 27). Silver plans start at $517/mo. Actual premiums vary by age and may be reduced by premium tax credits.
What is the benchmark premium for Racine?
The benchmark (second-lowest Silver) premium in Racine is $517/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 Racine?
Average premiums in Racine changed by +26.2% 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 Racine?
The average annual deductible across all plans in Racine 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 Racine?
There are 3 insurance issuers offering ACA marketplace plans in Racine, 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.
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
