ACA plans available
29
Plan year
2026 data Public-data reference. official source
Saint Croix, Wisconsin Health Insurance
Open-data reference.
29 ACA plans from 3 issuers — Plan year 2026
Saint Croix, Wisconsin offers 29 ACA marketplace plans from 3 issuers for plan year 2026. Silver plans start at $494/mo (age 27, before subsidies). Use the tables below to compare premiums, deductibles, and issuers across all metal tiers.
$566
Avg Silver Premium/mo
$511
Benchmark Premium/mo
+25.3%
Year-over-Year Change
$4,851
Avg Deductible
What the Numbers Say About Saint Croix
Saint Croix, Wisconsin has 29 ACA marketplace plans offered by 3 issuers for plan year 2026. The average Silver-tier premium comes in at $566/mo for a 27-year-old non-tobacco user, with the lowest Silver at $494 and the highest at $683.
The benchmark (second-lowest Silver) premium is $511/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 $4,851 and the average out-of-pocket maximum is $9,043 — numbers that matter more than the sticker premium once you actually use care. Year-over-year, average premiums in Saint Croix shifted by +25.3%, 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 Saint Croix, 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
Silver
10 plans$566/mo avg
$494 — $683
Gold
8 plans$594/mo avg
$510 — $784
Benchmark Premium & Subsidies
The benchmark premium (2nd-lowest Silver plan) in Saint Croix is $511/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
$511 /mo
Sets your subsidy ceiling
Avg deductible
$4,851
Across all metal tiers
Saint Croix ACA plans by premium and deductible
Each marker is the Saint Croix 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 Saint Croix, plan year 2026. Bronze = catastrophic-only zone (high deductible). Gold/Platinum = premium-heavy zone (low deductible).
Issuers in Saint Croix
| Issuer | Plans | Avg Premium (Age 27) |
|---|---|---|
| Medica | 12 | $481/mo |
| Anthem Blue Cross and Blue Shield | 9 | $633/mo |
| HealthPartners | 8 | $471/mo |
All Plans in Saint Croix
| Plan Name | Metal | Type | Premium (27) | Premium (40) | Deductible | OOP Max |
|---|---|---|---|---|---|---|
| Engage by Medica Bronze Share Medica | Expanded Bronze | EPO | $369.67 | $450.80 | $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 |
| Engage by Medica Expanded Bronze Standard Medica | Expanded Bronze | EPO | $401.46 | $489.56 | $7,500 | $10,000 |
| Medica Individual Choice Expanded Bronze Standard Medica | Expanded Bronze | EPO | $405.81 | $494.87 | $7,500 | $10,000 |
| Engage by Medica Bronze HSA Medica | Expanded Bronze | EPO | $410.61 | $500.73 | $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 |
| Engage by Medica Silver $0 Copay PCP Visits Medica | Silver | EPO | $511.35 | $623.57 | $3,500 | $10,450 |
| Atlas $3,050 Plus Silver HealthPartners | Silver | PPO | $512.21 | $624.62 | $3,050 | $9,700 |
| Atlas $6,000 Standard Silver HealthPartners | Silver | PPO | $520.28 | $634.46 | $6,000 | $8,900 |
| Engage by Medica Silver Share Medica | Silver | EPO | $522.61 | $637.30 | $3,525 | $8,850 |
| Engage by Medica Silver Standard Medica | Silver | EPO | $523.93 | $638.91 | $6,000 | $8,900 |
| 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 |
| Engage by Medica Gold $0 Copay PCP Visits Medica | Gold | EPO | $510.35 | $622.35 | $1,500 | $8,800 |
| Engage by Medica Gold Share Medica | Gold | EPO | $520.98 | $635.31 | $2,500 | $5,900 |
| Engage by Medica Gold Standard Medica | Gold | EPO | $527.03 | $642.70 | $2,000 | $8,200 |
| 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 | $415/mo | $374 | $435 | 8 | 2 |
| 2023 | $431/mo | $409 | $464 | 12 | 3 |
| 2024 | $461/mo | $424 | $516 | 12 | 3 |
| 2025 | $496/mo | $445 | $586 | 10 | 3 |
| 2026 | $566/mo | $494 | $683 | 10 | 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 Saint Croix, WI?
There are 29 ACA marketplace plans available in Saint Croix from 3 insurance issuers for plan year 2026.
What is the cheapest health insurance plan in Saint Croix?
Silver plans in Saint Croix start at $494/mo (age 27). Actual premiums vary by age and may be reduced by premium tax credits.
What is the benchmark premium for Saint Croix?
The benchmark (second-lowest Silver) premium in Saint Croix is $511/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 Saint Croix?
Average premiums in Saint Croix changed by +25.3% 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 Saint Croix?
The average annual deductible across all plans in Saint Croix is $4,851, and the average out-of-pocket maximum is $9,043. 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 Saint Croix?
There are 3 insurance issuers offering ACA marketplace plans in Saint Croix, 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.
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
