Find Affordable Coverage in Wisconsin
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Wisconsin ACA Marketplace Overview
In 2026, approximately 180,000 Wisconsin residents are enrolled in ACA Marketplace coverage. Wisconsin uses the federal exchange, Healthcare.gov for health insurance enrollment.
Wisconsin has not expanded Medicaid under the ACA. Adults in the coverage gap (earning too much for Medicaid but too little for Marketplace subsidies) may have limited options.
How Much Does ACA Coverage Cost in Wisconsin?
The benchmark Silver plan (second-lowest-cost Silver plan) in Wisconsin costs approximately $458/month before subsidies in 2026. However, most Wisconsin residents who qualify for premium tax credits pay significantly less.
- $0/month premium: Possible for Wisconsin households earning up to 150% of the Federal Poverty Level
- Low premiums: Households earning up to 400% FPL qualify for substantial subsidies
- Above 400% FPL: Still eligible if the benchmark plan exceeds 8.5% of household income
Use our ACA Subsidy Calculator to estimate your specific monthly costs based on your Wisconsin household income.
Top ACA Health Insurance Companies in Wisconsin
The following carriers offer ACA Marketplace plans in Wisconsin for 2026:
- Common Ground Healthcare
- Dean Health
- MercyCare
Plan availability varies by county in Wisconsin. Use Healthcare.gov to see exact plans available in your ZIP code.
ACA Plan Tiers Available in Wisconsin
- Bronze: Lowest premiums, highest deductibles. Best for healthy Wisconsin residents who rarely need care.
- Silver: Mid-range. Strongly recommended for Wisconsin households earning 100–250% FPL — Silver plans unlock Cost-Sharing Reductions that significantly lower deductibles and copays.
- Gold: Higher premiums, lower out-of-pocket. Best for Wisconsin residents who use healthcare frequently.
- Platinum: Highest premium, lowest cost per service. Available in most Wisconsin counties.
When to Enroll in Wisconsin
- Open Enrollment: November 1 – January 15 on Healthcare.gov
- January 1 coverage: Enroll by December 15
- February 1 coverage: Enroll by January 15
- Special Enrollment: Available year-round if you lose job-based coverage, move, get married, or have a baby
Wisconsin Insurance Resources
- Healthcare.gov — Official Wisconsin enrollment portal
- Wisconsin Department of Insurance — Plan complaints and consumer protection
- Complete ACA Guide — Full explanation of ACA Marketplace rules
- Subsidy Calculator — Estimate your 2026 premium tax credit