ACA plans available
46
Plan year
2026 data Public-data reference. official source
Vernon, Wisconsin Health Insurance
Open-data reference.
46 ACA plans from 4 issuers — Plan year 2026
Vernon, Wisconsin offers 46 ACA marketplace plans from 4 issuers for plan year 2026. Silver plans start at $528/mo (age 27, before subsidies). Use the tables below to compare premiums, deductibles, and issuers across all metal tiers.
$620
Avg Silver Premium/mo
$539
Benchmark Premium/mo
+27.1%
Year-over-Year Change
$5,365
Avg Deductible
What the Numbers Say About Vernon
Vernon, Wisconsin has 46 ACA marketplace plans offered by 4 issuers for plan year 2026. The average Silver-tier premium comes in at $620/mo for a 27-year-old non-tobacco user, with the lowest Silver at $528 and the highest at $672.
The benchmark (second-lowest Silver) premium is $539/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 $5,365 and the average out-of-pocket maximum is $9,182 — numbers that matter more than the sticker premium once you actually use care. Year-over-year, average premiums in Vernon shifted by +27.1%, a signal of how local issuer pricing and risk-pool dynamics are trending.
Issuer count is one of the strongest predictors of affordability: with 4 issuers active in Vernon, consumers have meaningful competition to pressure premiums lower. 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
15 plans$620/mo avg
$528 — $672
Gold
14 plans$646/mo avg
$532 — $764
Catastrophic plan available: avg $452/mo (1 plan) — only for individuals under 30 or with a hardship exemption.
Benchmark Premium & Subsidies
The benchmark premium (2nd-lowest Silver plan) in Vernon is $539/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
4
Competitive market
Benchmark Silver
$539 /mo
Sets your subsidy ceiling
Avg deductible
$5,365
Across all metal tiers
Vernon ACA plans by premium and deductible
Each marker is the Vernon 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 Vernon, plan year 2026. Bronze = catastrophic-only zone (high deductible). Gold/Platinum = premium-heavy zone (low deductible).
Issuers in Vernon
| Issuer | Plans | Avg Premium (Age 27) |
|---|---|---|
| Quartz | 19 | $570/mo |
| Dean Health Plan | 9 | $484/mo |
| Medica | 9 | $612/mo |
| Anthem Blue Cross and Blue Shield | 9 | $616/mo |
All Plans in Vernon
| Plan Name | Metal | Type | Premium (27) | Premium (40) | Deductible | OOP Max |
|---|---|---|---|---|---|---|
| QUARTZ ONE ACHIEVE W/GUNDERSEN CATASTROPHIC $10,600 DED Quartz | Catastrophic | HMO | $451.71 | $550.84 | $10,600 | $10,600 |
| Dean Bronze Share Dean Health Plan | Expanded Bronze | HMO | $332.15 | $405.05 | $8,000 | $10,600 |
| Dean Bronze $0 Copay PCP Visits Dean Health Plan | Expanded Bronze | HMO | $365.17 | $445.31 | $7,500 | $10,600 |
| Dean Expanded Bronze Standard Dean Health Plan | Expanded Bronze | HMO | $390.72 | $476.48 | $7,500 | $10,000 |
| QUARTZ ONE ACHIEVE W/GUNDERSEN BRONZE $10,150 DED Quartz | Expanded Bronze | HMO | $430.33 | $524.78 | $10,150 | $10,600 |
| QUARTZ ONE ACHIEVE W/GUNDERSEN BRONZE (DENTAL & VISION) $10,150 DED Quartz | Expanded Bronze | HMO | $444.83 | $542.45 | $10,150 | $10,600 |
| QUARTZ ONE ACHIEVE W/GUNDERSEN BRONZE STANDARD EASY PRICING Quartz | Expanded Bronze | HMO | $469.18 | $572.15 | $7,500 | $10,000 |
| Engage by Medica Bronze Share Medica | Expanded Bronze | EPO | $473.97 | $577.99 | $8,000 | $10,600 |
| QUARTZ ONE ACHIEVE W/GUNDERSEN BRONZE $0 MEDICAL DED Quartz | Expanded Bronze | HMO | $484.55 | $590.89 | $0 | $10,400 |
| QUARTZ ONE ACHIEVE W/GUNDERSEN BRONZE (DENTAL & VISION) STANDARD EASY PRICING Quartz | Expanded Bronze | HMO | $484.99 | $591.43 | $7,500 | $10,000 |
| Anthem Bronze Preferred/Broad 5000 (3 Free PCP Visits + $0 Select Drugs + Incentives) Anthem Blue Cross and Blue Shield | Expanded Bronze | POS | $493.26 | $601.52 | $5,000 | $10,600 |
| Anthem Bronze Preferred/Broad HSA (+ Incentives) Anthem Blue Cross and Blue Shield | Expanded Bronze | POS | $498.74 | $608.20 | $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 | $499.54 | $609.17 | $7,500 | $10,000 |
| QUARTZ ONE ACHIEVE W/GUNDERSEN BRONZE (DENTAL & VISION) $0 MEDICAL DED Quartz | Expanded Bronze | HMO | $500.87 | $610.79 | $0 | $10,400 |
| Engage by Medica Expanded Bronze Standard Medica | Expanded Bronze | EPO | $514.72 | $627.69 | $7,500 | $10,000 |
| Engage by Medica Bronze HSA Medica | Expanded Bronze | EPO | $526.47 | $642.01 | $7,500 | $8,500 |
| 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 | $528.88 | $644.96 | $0 | $10,600 |
| Dean Silver $0 Copay PCP Visits Dean Health Plan | Silver | HMO | $527.63 | $643.43 | $3,500 | $10,450 |
| Dean Silver Share Dean Health Plan | Silver | HMO | $539.47 | $657.86 | $3,525 | $8,850 |
| Dean Silver Standard Dean Health Plan | Silver | HMO | $551.98 | $673.13 | $6,000 | $8,900 |
| QUARTZ ONE ACHIEVE W/GUNDERSEN SILVER $8,000 DED Quartz | Silver | HMO | $600.18 | $731.90 | $8,000 | $9,900 |
| QUARTZ ONE ACHIEVE W/GUNDERSEN SILVER $9,000 DED Quartz | Silver | HMO | $601.37 | $733.35 | $9,000 | $10,250 |
| QUARTZ ONE ACHIEVE W/GUNDERSEN SILVER STANDARD EASY PRICING Quartz | Silver | HMO | $615.40 | $750.45 | $6,000 | $8,900 |
| QUARTZ ONE ACHIEVE W/GUNDERSEN SILVER (DENTAL & VISION) $8,000 DED Quartz | Silver | HMO | $620.40 | $756.56 | $8,000 | $9,900 |
| QUARTZ ONE ACHIEVE W/GUNDERSEN SILVER (DENTAL & VISION) $9,000 DED Quartz | Silver | HMO | $621.62 | $758.05 | $9,000 | $10,250 |
| QUARTZ ONE ACHIEVE W/GUNDERSEN SILVER (DENTAL & VISION) STANDARD EASY PRICING Quartz | Silver | HMO | $636.13 | $775.73 | $6,000 | $8,900 |
| Engage by Medica Silver $0 Copay PCP Visits Medica | Silver | EPO | $655.62 | $799.51 | $3,500 | $10,450 |
| Anthem Silver Preferred/Broad Standard ($0 Virtual PCP + $0 Select Drugs + Incentives) Anthem Blue Cross and Blue Shield | Silver | POS | $664.57 | $810.42 | $6,000 | $8,900 |
| Anthem Silver Preferred/Broad 4000 ($0 PCP Visits + $0 Select Drugs + Incentives) Anthem Blue Cross and Blue Shield | Silver | POS | $664.70 | $810.58 | $4,000 | $9,400 |
| Anthem Silver Preferred/Broad 5500 ($0 Virtual PCP + $0 Select Drugs + Incentives) Anthem Blue Cross and Blue Shield | Silver | POS | $665.08 | $811.04 | $5,500 | $9,200 |
| Engage by Medica Silver Share Medica | Silver | EPO | $670.06 | $817.12 | $3,525 | $8,850 |
| Engage by Medica Silver Standard Medica | Silver | EPO | $671.75 | $819.17 | $6,000 | $8,900 |
| Dean Gold Share Dean Health Plan | Gold | HMO | $532.03 | $648.79 | $2,500 | $5,900 |
| Dean Gold Standard Dean Health Plan | Gold | HMO | $551.63 | $672.69 | $2,000 | $8,200 |
| Dean Gold HSA Dean Health Plan | Gold | HMO | $564.04 | $687.83 | $3,400 | $4,400 |
| QUARTZ ONE ACHIEVE W/GUNDERSEN GOLD $4,000 DED Quartz | Gold | HMO | $604.76 | $737.48 | $4,000 | $8,000 |
| QUARTZ ONE ACHIEVE W/GUNDERSEN GOLD (DENTAL & VISION) $4,000 DED Quartz | Gold | HMO | $625.13 | $762.33 | $4,000 | $8,000 |
| QUARTZ ONE ACHIEVE W/GUNDERSEN GOLD MAINTENANCE $700 DED Quartz | Gold | HMO | $645.23 | $786.84 | $700 | $9,300 |
| QUARTZ ONE ACHIEVE W/GUNDERSEN GOLD STANDARD EASY PRICING Quartz | Gold | HMO | $654.13 | $797.69 | $2,000 | $8,200 |
| Engage by Medica Gold $0 Copay PCP Visits Medica | Gold | EPO | $654.34 | $797.94 | $1,500 | $8,800 |
| QUARTZ ONE ACHIEVE W/GUNDERSEN GOLD MAINTENANCE (DENTAL & VISION) $700 DED Quartz | Gold | HMO | $666.97 | $813.34 | $700 | $9,300 |
| Engage by Medica Gold Share Medica | Gold | EPO | $667.97 | $814.56 | $2,500 | $5,900 |
| Engage by Medica Gold Standard Medica | Gold | EPO | $675.73 | $824.03 | $2,000 | $8,200 |
| QUARTZ ONE ACHIEVE W/GUNDERSEN GOLD (DENTAL & VISION) STANDARD EASY PRICING Quartz | Gold | HMO | $676.17 | $824.56 | $2,000 | $8,200 |
| Anthem Gold Preferred/Broad 1000 ($0 Virtual PCP + $0 Select Drugs + Incentives) Anthem Blue Cross and Blue Shield | Gold | POS | $763.46 | $931.01 | $1,000 | $7,200 |
| Anthem Gold Preferred/Broad Standard ($0 Virtual PCP + $0 Select Drugs + Incentives) Anthem Blue Cross and Blue Shield | Gold | POS | $763.51 | $931.07 | $2,000 | $8,200 |
Silver Premium Trend (2022-2026)
| Year | Avg Premium | Min | Max | Plans | Issuers |
|---|---|---|---|---|---|
| 2022 | $444/mo | $364 | $635 | 17 | 4 |
| 2023 | $501/mo | $387 | $627 | 27 | 4 |
| 2024 | $493/mo | $423 | $553 | 17 | 4 |
| 2025 | $545/mo | $461 | $602 | 15 | 4 |
| 2026 | $620/mo | $528 | $672 | 15 | 4 |
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
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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
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PlainInsure — Treasury FIO premiums
Frequently Asked Questions
How many ACA plans are available in Vernon, WI?
There are 46 ACA marketplace plans available in Vernon from 4 insurance issuers for plan year 2026.
What is the cheapest health insurance plan in Vernon?
Silver plans in Vernon start at $528/mo (age 27). Actual premiums vary by age and may be reduced by premium tax credits.
What is the benchmark premium for Vernon?
The benchmark (second-lowest Silver) premium in Vernon is $539/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 Vernon?
Average premiums in Vernon changed by +27.1% 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 Vernon?
The average annual deductible across all plans in Vernon is $5,365, and the average out-of-pocket maximum is $9,182. 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 Vernon?
There are 4 insurance issuers offering ACA marketplace plans in Vernon, including Quartz, Dean Health Plan, Medica, and others. 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
