ACA plans available
24
Plan year 2026
CMS Marketplace county · plan year 2026
Rock, 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
- $479
- Silver avg/mo
- 24
- ACA plans
- 2
- Issuers
- +4.8%
- YoY premium
Silver avg $479/mo
Rock, Wisconsin has 24 ACA marketplace plans from 2 issuers (plan year 2026). Average Silver premium is $479/mo; Bronze averages $332/mo and Gold $496/mo. Figures are CMS Marketplace Public Use File county aggregates for age-27 rates.
- County Silver corpus place #1918 of 2055 (highest = #1)
- Benchmark (2nd-lowest Silver) $448/mo
- Plan year 2026 CMS PUF
Silver rank is not plan-count rank
According to CMS Marketplace Public Use Files, Rock, Wisconsin ranks #1,918 of 2,055 counties by listed Silver average ($479/mo) and #1,873 of 2,055 by plan count (24 plans).
- #1,918 of 2,055
- Silver average among 2,055 counties
- $479
- Listed Silver average /mo
- #1,873 of 2,055
- Plan count among 2,055 counties
- 24
- 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.
Rock, Wisconsin offers 24 ACA marketplace plans from 2 issuers for plan year 2026. Bronze plans start at $293/mo and Silver plans start at $445/mo (age 27 listed rates). Use the tables below to compare premiums, deductibles, and issuers across all metal tiers.
$479
Avg Silver Premium/mo
$448
Benchmark Premium/mo
+4.8%
Year-over-Year Change
$5,052
Avg Deductible
Lower-premium band
Rock in the lower-premium third
$479/mo Silver avg sits in the bottom third of tracked federal-marketplace counties. Corpus place #1918 of 2055 (highest Silver = #1).
Floor-to-ceiling Silver runs $445–$523/mo. Plan book is thin (24 plans) relative to other tracked counties. HMO is the most common network type in Rock, with EPO 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
8 plans$332/mo avg
$293 - $370
Silver
9 plans$479/mo avg
$445 - $523
Gold
7 plans$496/mo avg
$456 - $535
Benchmark premium & subsidies
The benchmark (second-lowest Silver) premium in Rock is $448/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
2
Some competition
Benchmark Silver
$448 /mo
Sets your subsidy ceiling
Avg deductible
$5,052
Across all metal tiers
D
Marketplace Access Score
48/100
Rock
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+
$448/mo
Benchmark Silver premium; rank #1918 of 2055 tracked counties (cheapest first)
Plan Choice F
24 plans
ACA marketplace plan count; rank #1873 of 2055 tracked counties (most first)
Issuer Competition F
2 issuers
Distinct marketplace issuers; rank #1916 of 2055 tracked counties (most first)
Cost Predictability D
$5,052
Average deductible across tracked plans; rank #976 of 2055 tracked counties (lowest first)
Rock ACA plans by premium and deductible
Each marker is the Rock 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.
Rock ACA marketplace plans: premium vs deductible
How Rock's Silver premium compares nationwide
2,055 federal-marketplace counties with a tracked Silver average, banded by monthly premium.
Rock vs 2,055 tracked counties
Average Silver premium (age 27), CMS Marketplace Public Use Files
$479 1918th of 2055 higher than 137 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 Rock
| Issuer | Plans | Avg Premium (Age 27) |
|---|---|---|
| Dean Health Plan | 18 | $443/mo |
| MercyCare Health Plans | 6 | $411/mo |
All Plans in Rock
| Plan Name | Metal | Type | Premium (27) | Premium (40) | Deductible | OOP Max |
|---|---|---|---|---|---|---|
| MercyCare Bronze 10,000 (1 Free PCP Visit) MercyCare Health Plans | Bronze | HMO | $318.22 | $388.05 | $10,000 | $10,000 |
| Dean Focus Bronze Share Dean Health Plan | Expanded Bronze | EPO | $292.80 | $357.06 | $8,000 | $10,600 |
| Dean Bronze Share Dean Health Plan | Expanded Bronze | HMO | $314.83 | $383.93 | $8,000 | $10,600 |
| Dean Focus Bronze $0 Copay PCP Visits Dean Health Plan | Expanded Bronze | EPO | $321.91 | $392.55 | $7,500 | $10,600 |
| Dean Focus Expanded Bronze Standard Dean Health Plan | Expanded Bronze | EPO | $344.43 | $420.02 | $7,500 | $10,000 |
| MercyCare Bronze Standard Expanded MercyCare Health Plans | Expanded Bronze | HMO | $345.91 | $421.82 | $7,500 | $10,000 |
| Dean Bronze $0 Copay PCP Visits Dean Health Plan | Expanded Bronze | HMO | $346.13 | $422.09 | $7,500 | $10,600 |
| Dean Expanded Bronze Standard Dean Health Plan | Expanded Bronze | HMO | $370.35 | $451.63 | $7,500 | $10,000 |
| MercyCare Silver Standard MercyCare Health Plans | Silver | HMO | $445.33 | $543.07 | $6,000 | $8,900 |
| MercyCare Silver 2,500 (3 Free PCP Visits) MercyCare Health Plans | Silver | HMO | $448.01 | $546.34 | $2,500 | $10,000 |
| MercyCare Silver Health Savings MercyCare Health Plans | Silver | HMO | $451.65 | $550.77 | $5,400 | $5,400 |
| Dean Focus Silver $0 Copay PCP Visits Dean Health Plan | Silver | EPO | $465.12 | $567.20 | $3,500 | $10,450 |
| Dean Focus Silver Share Dean Health Plan | Silver | EPO | $475.55 | $579.92 | $3,525 | $8,850 |
| Dean Focus Silver Standard Dean Health Plan | Silver | EPO | $486.59 | $593.38 | $6,000 | $8,900 |
| Dean Silver $0 Copay PCP Visits Dean Health Plan | Silver | HMO | $500.12 | $609.88 | $3,500 | $10,450 |
| Dean Silver Share Dean Health Plan | Silver | HMO | $511.34 | $623.56 | $3,525 | $8,850 |
| Dean Silver Standard Dean Health Plan | Silver | HMO | $523.21 | $638.03 | $6,000 | $8,900 |
| MercyCare Gold Standard MercyCare Health Plans | Gold | HMO | $456.13 | $556.24 | $2,000 | $8,200 |
| Dean Focus Gold Share Dean Health Plan | Gold | EPO | $469.00 | $571.93 | $2,500 | $5,900 |
| Dean Focus Gold Standard Dean Health Plan | Gold | EPO | $486.27 | $592.99 | $2,000 | $8,200 |
| Dean Focus Gold HSA Dean Health Plan | Gold | EPO | $497.22 | $606.34 | $3,400 | $4,400 |
| Dean Gold Share Dean Health Plan | Gold | HMO | $504.29 | $614.96 | $2,500 | $5,900 |
| Dean Gold Standard Dean Health Plan | Gold | HMO | $522.87 | $637.62 | $2,000 | $8,200 |
| Dean Gold HSA Dean Health Plan | Gold | HMO | $534.63 | $651.97 | $3,400 | $4,400 |
Silver Premium Trend (2022-2026)
| Year | Avg Premium | Min | Max | Plans | Issuers |
|---|---|---|---|---|---|
| 2022 | $389/mo | $354 | $434 | 24 | 4 |
| 2023 | $456/mo | $362 | $578 | 37 | 5 |
| 2024 | $425/mo | $366 | $543 | 26 | 4 |
| 2025 | $461/mo | $377 | $574 | 21 | 4 |
| 2026 | $479/mo | $445 | $523 | 9 | 2 |
What this means for Rock
Use Rock's own numbers here, not a national average, before you enroll.
- $479/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
- 24 plans from 2 issuers puts Rock 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 Rock's Silver premium in the lower band?
Rock ranks #1918 of 2055 tracked federal-marketplace counties by average Silver premium (highest = #1; CMS PUF sort). Local Silver avg is $479/mo. See /methodology#corpus-placement.
Why does Rock carry a thin ACA plan book?
Rock lists 24 marketplace plans from 2 issuers - a bottom-third inventory vs other tracked counties (plan year 2026).
What is the cheapest health insurance plan in Rock?
The lowest-premium plan in Rock starts at $293/mo (Bronze tier, age 27). Silver plans start at $445/mo. Actual premiums vary by age and may be reduced by premium tax credits.
What is the benchmark premium for Rock?
The benchmark (second-lowest Silver) premium in Rock is $448/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 Rock?
The average age-27 premium in Rock changed by +4.8% between plan years 2025 and 2026, measured across Bronze, Silver, Gold, Platinum and Catastrophic plans. Premium trends are tracked from 2022 to 2026.
How limited is issuer competition in Rock?
Only 2 issuers sell marketplace plans in Rock (Dean Health Plan and MercyCare Health Plans). Narrow competition often correlates with higher benchmark premiums.
Which insurance companies offer plans in Rock?
There are 2 insurance issuers offering ACA marketplace plans in Rock, including Dean Health Plan, MercyCare Health Plans. 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 Rock, WI's $448/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 Rock, 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 ($448/mo here).
Similar issuer competition
Nearest other-state counties by issuer count (2 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.