Wisconsin ACA Health Insurance
72 counties, 12 issuers, 311 plans
Premium Range
Premiums in Wisconsin range from $289/mo to $961/mo (age 27 base rate).
Reading the Wisconsin Marketplace
The ACA marketplace in Wisconsin lists 311 plans from 12 issuers spread across 72 counties. The statewide average premium is $551/mo for a 27-year-old, $672/mo at age 40, and $1,426/mo at age 60 — reflecting the ACA's 3-to-1 age rating band. Individual plan premiums run from $289 at the low end to $961 at the high end, before subsidies.
Geography drives most of the within-state variation: Pepin posts the highest Silver average at $730/mo, while Calumet sits at $456/mo — a gap shaped by local issuer competition, hospital pricing, and risk-pool composition rather than benefit differences, since every marketplace plan must cover the same 10 essential health benefits. The statewide average annual deductible is $5,293, the amount most enrollees must pay before non-preventive coverage begins.
Premium tax credits (APTCs) further reduce what most enrollees pay out of pocket, with the size of the subsidy keyed to each county's benchmark (second-lowest Silver) premium. This page is informational only and is not insurance, medical, or tax advice — confirm your exact plan options, network providers, and subsidy eligibility at HealthCare.gov before enrolling. Source: CMS Marketplace Public Use Files.
Top 5 most-expensive counties — Wisconsin (Silver avg)
Source: CMS Healthcare.gov + state-based exchange rate filings (PY 2025) Wisconsin ACA marketplace premiums by county and metal tier (Plan Year 2025 Rate Filing) · 2025 CMS publishes Healthcare.gov rate filings annually for the federal exchange; state-based exchanges publish on their own schedules. Premiums shown are pre-subsidy and reflect age-27 Silver averages.
Most Expensive Counties
| # | County | Silver Avg | Plans | Issuers |
|---|---|---|---|---|
| 1 | Pepin | $730/mo | 53 | 4 |
| 2 | Ashland | $730/mo | 34 | 3 |
| 3 | Sawyer | $730/mo | 34 | 3 |
| 4 | Chippewa | $724/mo | 34 | 3 |
| 5 | Eau Claire | $724/mo | 34 | 3 |
Most Affordable Counties
| # | County | Silver Avg | Plans | Issuers |
|---|---|---|---|---|
| 1 | Calumet | $456/mo | 22 | 2 |
| 2 | Outagamie | $463/mo | 30 | 3 |
| 3 | Winnebago | $463/mo | 30 | 3 |
| 4 | Rock | $479/mo | 24 | 2 |
| 5 | Oconto | $488/mo | 44 | 4 |
All Counties in Wisconsin
| County | Silver Avg | Bronze Avg | Gold Avg | Plans | Issuers | YoY |
|---|---|---|---|---|---|---|
| Adams | $579 | $400 | $621 | 37 | 4 | +25.9% |
| Ashland | $730 | $532 | $782 | 34 | 3 | +31.9% |
| Barron | $719 | $502 | $769 | 37 | 3 | +27.4% |
| Bayfield | $700 | $532 | $739 | 37 | 3 | +31.7% |
| Brown | $501 | $409 | $564 | 57 | 5 | +21.5% |
| Buffalo | $674 | $532 | $705 | 53 | 4 | +25.8% |
| Burnett | $698 | $532 | $751 | 42 | 4 | +32.0% |
| Calumet | $456 | N/A | $485 | 22 | 2 | +8.6% |
| Chippewa | $724 | $502 | $779 | 34 | 3 | +29.3% |
| Clark | $687 | $486 | $743 | 46 | 4 | +24.3% |
| Columbia | $537 | $400 | $555 | 49 | 4 | +18.8% |
| Crawford | $620 | N/A | $646 | 46 | 4 | +27.1% |
| Dane | $493 | N/A | $503 | 49 | 3 | +28.8% |
| Dodge | $595 | $439 | $635 | 46 | 4 | +32.9% |
| Door | $523 | $409 | $575 | 49 | 4 | +27.9% |
| Douglas | $676 | $532 | $718 | 45 | 4 | +31.7% |
| Dunn | $690 | $502 | $730 | 25 | 2 | +30.4% |
| Eau Claire | $724 | $502 | $779 | 34 | 3 | +29.3% |
| Florence | $591 | $471 | $658 | 36 | 3 | +25.3% |
| Fond du Lac | $531 | N/A | $540 | 9 | 1 | +28.1% |
| Forest | $639 | $471 | $706 | 37 | 3 | +28.7% |
| Grant | $602 | N/A | $635 | 18 | 2 | +33.5% |
| Green | $535 | $400 | $547 | 46 | 3 | +22.2% |
| Green Lake | $568 | N/A | $639 | 36 | 3 | +27.4% |
| Iowa | $602 | N/A | $635 | 18 | 2 | +33.5% |
| Iron | $640 | $483 | $697 | 28 | 2 | +24.9% |
| Jackson | $674 | $532 | $705 | 53 | 4 | +31.5% |
| Jefferson | $552 | N/A | $621 | 27 | 2 | +30.0% |
| Juneau | $572 | $400 | $601 | 28 | 3 | +22.1% |
| Kenosha | $550 | $409 | $609 | 35 | 3 | +26.2% |
| Kewaunee | $501 | $409 | $564 | 57 | 5 | +21.5% |
| La Crosse | $611 | N/A | $629 | 37 | 3 | +22.4% |
| Lafayette | $602 | N/A | $635 | 18 | 2 | +33.5% |
| Langlade | $626 | $471 | $680 | 28 | 2 | +19.4% |
| Lincoln | $613 | $433 | $682 | 37 | 3 | +23.6% |
| Manitowoc | $494 | $409 | $558 | 40 | 3 | +19.1% |
| Marathon | $642 | $433 | $706 | 46 | 4 | +23.4% |
| Marinette | $490 | $409 | $553 | 31 | 2 | +17.3% |
| Marquette | $531 | $400 | $565 | 30 | 3 | +18.2% |
| Menominee | $591 | $434 | $677 | 33 | 3 | +36.1% |
| Milwaukee | $548 | $418 | $592 | 35 | 3 | +25.8% |
| Monroe | $639 | N/A | $661 | 37 | 3 | +20.5% |
| Oconto | $488 | N/A | $555 | 44 | 4 | +18.5% |
| Oneida | $626 | $471 | $680 | 28 | 2 | +20.3% |
| Outagamie | $463 | N/A | $509 | 30 | 3 | +12.7% |
| Ozaukee | $511 | $411 | $572 | 53 | 4 | +19.5% |
| Pepin | $730 | $502 | $778 | 53 | 4 | +27.2% |
| Pierce | $566 | N/A | $594 | 29 | 3 | +25.3% |
| Polk | $572 | N/A | $605 | 26 | 3 | +26.1% |
| Portage | $601 | $433 | $660 | 28 | 2 | +18.1% |
| Price | $654 | $486 | $714 | 28 | 2 | +17.7% |
| Racine | $550 | $409 | $609 | 35 | 3 | +26.2% |
| Richland | $554 | N/A | $586 | 18 | 2 | +25.5% |
| Rock | $479 | $318 | $496 | 24 | 2 | +14.8% |
| Rusk | $722 | $502 | $779 | 34 | 3 | +28.2% |
| Saint Croix | $566 | N/A | $594 | 29 | 3 | +25.3% |
| Sauk | $520 | $400 | $533 | 48 | 4 | +17.9% |
| Sawyer | $730 | $532 | $782 | 34 | 3 | +31.9% |
| Shawano | $529 | $440 | $591 | 54 | 5 | +20.3% |
| Sheboygan | $526 | $417 | $572 | 31 | 3 | +20.4% |
| Taylor | $654 | $486 | $714 | 28 | 2 | +17.7% |
| Trempealeau | $626 | $532 | $645 | 44 | 3 | +28.2% |
| Vernon | $620 | N/A | $646 | 46 | 4 | +27.1% |
| Vilas | $626 | $471 | $680 | 28 | 2 | +23.7% |
| Walworth | $528 | $361 | $599 | 46 | 4 | +28.4% |
| Washburn | $700 | $532 | $739 | 37 | 3 | +31.7% |
| Washington | $511 | $411 | $572 | 53 | 4 | +19.5% |
| Waukesha | $519 | $411 | $572 | 62 | 5 | +21.4% |
| Waupaca | $524 | N/A | $556 | 30 | 3 | +23.9% |
| Waushara | $516 | $400 | $548 | 42 | 4 | +14.1% |
| Winnebago | $463 | N/A | $509 | 30 | 3 | +12.7% |
| Wood | $613 | $433 | $682 | 37 | 3 | +32.0% |
Health Insurance Guides
Related Health & Cost Data
ACA Health Insurance in Wisconsin
The Affordable Care Act marketplace in Wisconsin offers 311 health insurance plans from 12 issuers across 72 counties. Premiums vary significantly by geography: the most expensive county (Pepin) averages $730/mo for a Silver plan, while the most affordable (Calumet) averages $456/mo.
Many consumers qualify for premium tax credits that significantly reduce monthly costs. Subsidies are based on household income relative to the federal poverty level. The average deductible across plans is $5,293, though lower-deductible options are available at higher monthly premiums.
Frequently Asked Questions
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Disclaimer: This page is for informational purposes only and does not constitute insurance or financial advice. Premiums shown are base rates for a 27-year-old non-tobacco user unless otherwise noted. Actual premiums vary by age, location, tobacco use, and subsidy eligibility. Source: CMS Marketplace PUF.
Read our methodology — how this data is sourced, computed, and verified.
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