ACA plans available
30
Plan year 2026
2026 data Public-data reference. official source
Winnebago, Wisconsin Health Insurance
Open-data reference.
30 ACA plans from 3 issuers - Plan year 2026
Winnebago, Wisconsin offers 30 ACA marketplace plans from 3 issuers for plan year 2026. Silver plans start at $431/mo (age 27, before subsidies). Use the tables below to compare premiums, deductibles, and issuers across all metal tiers.
$463
Avg Silver Premium/mo
$445
Benchmark Premium/mo
+12.7%
Year-over-Year Change
$4,596
Avg Deductible
What the Numbers Say About Winnebago
Winnebago, Wisconsin has 30 ACA marketplace plans offered by 3 issuers for plan year 2026. The average Silver-tier premium comes in at $463/mo for a 27-year-old non-tobacco user, with the lowest Silver at $431 and the highest at $487.
The benchmark (second-lowest Silver) premium is $445/mo, the figure used to calculate your Advance Premium Tax Credit (the federal subsidy). Enrollees whose expected income-based contribution falls below this amount receive a subsidy for the difference. Across all plans, the average annual deductible is $4,596 and the average out-of-pocket maximum is $8,805 - numbers that matter more than the sticker premium once you actually use care. Year-over-year, average premiums in Winnebago shifted by +12.7%, 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 Winnebago, consumers have some competitive choice, though narrower than the most competitive counties. HMO is the most common network type in Winnebago, with PPO rounding out the alternatives. 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
9 plans$463/mo avg
$431 - $487
Gold
9 plans$509/mo avg
$449 - $597
Benchmark Premium & Subsidies
The benchmark premium (2nd-lowest Silver plan) in Winnebago is $445/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
$445 /mo
Sets your subsidy ceiling
Avg deductible
$4,596
Across all metal tiers
Winnebago ACA plans by premium and deductible
Each marker is the Winnebago 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.
Source: CMS Marketplace Public Use Files for Winnebago, plan year 2026. Each point is the county average for one metal tier (premium age 27 vs average annual deductible).
Issuers in Winnebago
| Issuer | Plans | Avg Premium (Age 27) |
|---|---|---|
| Network Health | 13 | $411/mo |
| Anthem Blue Cross and Blue Shield | 9 | $435/mo |
| HealthPartners | 8 | $462/mo |
All Plans in Winnebago
| Plan Name | Metal | Type | Premium (27) | Premium (40) | Deductible | OOP Max |
|---|---|---|---|---|---|---|
| Prestige Bronze Essential + 3 Free PCP Visits Network Health | Expanded Bronze | HMO | $325.54 | $396.98 | $7,750 | $9,500 |
| Prestige Bronze Essential + Dental + Vision + 3 Free PCP Visits Network Health | Expanded Bronze | HMO | $328.89 | $401.06 | $7,750 | $9,500 |
| Prestige Bronze Plus Network Health | Expanded Bronze | HMO | $339.15 | $413.58 | $7,500 | $10,000 |
| Anthem Bronze Pathway/Lean 5000 (3 Free PCP Visits + $0 Select Drugs + Incentives) Anthem Blue Cross and Blue Shield | Expanded Bronze | HMO | $348.47 | $424.95 | $5,000 | $10,600 |
| Prestige Bronze $0 Medical Deductible Network Health | Expanded Bronze | HMO | $352.10 | $429.37 | $0 | $9,200 |
| Anthem Bronze Pathway/Lean HSA (+ Incentives) Anthem Blue Cross and Blue Shield | Expanded Bronze | HMO | $352.33 | $429.65 | $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 | $352.92 | $430.38 | $7,500 | $10,000 |
| NE WI Select $8,400 HSA Bronze HealthPartners | Expanded Bronze | PPO | $353.10 | $430.60 | $8,400 | $8,400 |
| Prestige Bronze $0 Medical Deductible + Dental +Vision Network Health | Expanded Bronze | HMO | $355.72 | $433.78 | $0 | $9,200 |
| NE WI Select $6,800 Plus Bronze HSA HealthPartners | Expanded Bronze | PPO | $358.78 | $437.52 | $6,800 | $10,600 |
| NE WI Select $7,500 Standard Bronze HSA HealthPartners | Expanded Bronze | PPO | $371.16 | $452.62 | $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 | $373.64 | $455.65 | $0 | $10,600 |
| Prestige Silver Network Health | Silver | HMO | $431.07 | $525.67 | $6,000 | $8,900 |
| Prestige Silver Essential + 3 Free PCP Visits Network Health | Silver | HMO | $445.40 | $543.15 | $4,600 | $9,100 |
| Prestige Silver Essential + Dental + Vision + 3 Free PCP Visits Network Health | Silver | HMO | $449.98 | $548.73 | $4,600 | $9,100 |
| NE WI Select $3,800 HSA Silver HealthPartners | Silver | PPO | $462.25 | $563.70 | $3,800 | $8,000 |
| Anthem Silver Pathway/Lean Standard ($0 Virtual PCP + $0 Select Drugs + Incentives) Anthem Blue Cross and Blue Shield | Silver | HMO | $469.50 | $572.54 | $6,000 | $8,900 |
| Anthem Silver Pathway/Lean 4000 ($0 PCP Visits + $0 Select Drugs + Incentives) Anthem Blue Cross and Blue Shield | Silver | HMO | $469.60 | $572.66 | $4,000 | $9,400 |
| Anthem Silver Pathway/Lean 5500 ($0 Virtual PCP + $0 Select Drugs + Incentives) Anthem Blue Cross and Blue Shield | Silver | HMO | $469.88 | $573.00 | $5,500 | $9,200 |
| NE WI Select $3,150 Plus Silver HealthPartners | Silver | PPO | $479.16 | $584.31 | $3,150 | $9,700 |
| NE WI Select $6,000 Standard Silver HealthPartners | Silver | PPO | $486.85 | $593.69 | $6,000 | $8,900 |
| Prestige Gold Network Health | Gold | HMO | $449.49 | $548.14 | $2,000 | $8,200 |
| Prestige Gold Essential + 3Free PCP Visits Network Health | Gold | HMO | $450.10 | $548.88 | $1,750 | $8,950 |
| Prestige Gold Essential + Dental + Vision + 3 Free PCP Visits Network Health | Gold | HMO | $454.73 | $554.52 | $1,750 | $8,950 |
| Prestige Gold 50 + 1 Free PCP Visit Network Health | Gold | HMO | $480.08 | $585.44 | $1,000 | $4,300 |
| Prestige Gold 50 + Dental + Vision+ 1 Free PCP Visit Network Health | Gold | HMO | $485.02 | $591.46 | $1,000 | $4,300 |
| Anthem Gold Pathway/Lean 1000 ($0 Virtual PCP + $0 Select Drugs + Incentives) Anthem Blue Cross and Blue Shield | Gold | HMO | $539.33 | $657.70 | $1,000 | $7,200 |
| Anthem Gold Pathway/Lean Standard ($0 Virtual PCP + $0 Select Drugs + Incentives) Anthem Blue Cross and Blue Shield | Gold | HMO | $539.37 | $657.75 | $2,000 | $8,200 |
| Oak $2,000 Standard Gold HealthPartners | Gold | PPO | $586.82 | $715.60 | $2,000 | $8,200 |
| Oak $1,300 Gold HealthPartners | Gold | PPO | $597.44 | $728.56 | $1,300 | $8,600 |
Silver Premium Trend (2022-2026)
| Year | Avg Premium | Min | Max | Plans | Issuers |
|---|---|---|---|---|---|
| 2022 | $388/mo | $316 | $455 | 41 | 8 |
| 2023 | $409/mo | $331 | $477 | 51 | 7 |
| 2024 | $434/mo | $355 | $545 | 38 | 7 |
| 2025 | $456/mo | $357 | $568 | 31 | 7 |
| 2026 | $463/mo | $431 | $487 | 9 | 3 |
Frequently Asked Questions
How many ACA plans are available in Winnebago, WI?
There are 30 ACA marketplace plans available in Winnebago from 3 insurance issuers for plan year 2026.
What is the cheapest health insurance plan in Winnebago?
Silver plans in Winnebago start at $431/mo (age 27). Actual premiums vary by age and may be reduced by premium tax credits.
What is the benchmark premium for Winnebago?
The benchmark (second-lowest Silver) premium in Winnebago is $445/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 Winnebago?
Average premiums in Winnebago changed by +12.7% 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 Winnebago?
The average annual deductible across all plans in Winnebago is $4,596, and the average out-of-pocket maximum is $8,805. 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 Winnebago?
There are 3 insurance issuers offering ACA marketplace plans in Winnebago, including Network Health, 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 Winnebago, WI's $445/mo benchmark premium.
Data sources
Data sourced from the CMS Health Insurance Marketplace Public Use Files. See our methodology for details. Retrieved and formatted by PlainHealthPlan Editorial
