Average Health Insurance Premiums in Wisconsin (2026)
The following estimates show typical unsubsidized monthly premiums for a 40-year-old single adult
in Wisconsin in 2026. Actual costs vary significantly by ZIP code, age, and plan choice:
- Bronze HDHP: approximately $71–$160/month
- Bronze (standard): approximately $150–$282/month
- Silver: approximately $360–$545/month (lower end)
- Gold: approximately $360–$545/month (upper end)
Premiums increase with age and household size. Younger adults (20s, early 30s) pay less;
adults in their 50s and early 60s pay significantly more. Tobacco users pay a surcharge
in most states.
Wisconsin uses a unique BadgerCare Plus model covering adults to 100% FPL. Adults between 100-138% FPL are not Medicaid-eligible but qualify for marketplace subsidies. Wisconsin has multiple regional health system-affiliated plans.
How ACA Subsidies Reduce Your Premium in Wisconsin
If your household income falls between 100% and 400% of the federal poverty level (roughly
$15,650–$62,600 for a single adult in 2026), you qualify for ACA premium tax credits
that directly reduce your monthly premium. The subsidy is calculated as the difference between
your benchmark Silver plan premium and a capped percentage of your income.
At income levels below 250% FPL, you also qualify for cost-sharing reductions (CSR) on Silver
plans that reduce deductibles, copays, and out-of-pocket maximums significantly.
Carriers in Wisconsin (2026)
Marketplace carriers in Wisconsin include: Common Ground Healthcare, Dean Health Plan, Security Health Plan, Medica, WPS Health Insurance. The dominant carrier in most Wisconsin
counties is Common Ground Healthcare Cooperative. Plan availability varies by county — check healthcare.gov for
exact options in your ZIP code.
BadgerCare Plus: Free or Low-Cost Coverage in Wisconsin
Wisconsin BadgerCare Plus covers adults up to 100% FPL (not the standard 138%). Adults between 100-138% FPL should use the marketplace and qualify for subsidized plans.