Health Insurance Plans in Douglas County, Wisconsin (2026)
44 ACA marketplace (Obamacare) plans are available in Douglas County, WI, from 4 insurers. The cheapest plan starts at $421.12/month before subsidies.
That ranks 36th lowest of the 53 county areas we track in Wisconsin, 10% above the statewide median of $382.42.
Last updated: October 5, 2026 · Source: Official Marketplace Data · How we calculate this
Covers Superior and Lake Nebagamon.
44
Plans Available
$421.12
Cheapest Plan/mo
4
Insurers
HealthCare.gov
Exchange
Insurers With the Cheapest Plans in Douglas
Plans Available in Douglas
Sorted by monthly premium · 30-year-old · Before subsidies
Essentia Choice Care with Medica Bronze Share
Medica
$421.12/mo
Ded: $8,000
Atlas $8,400 HSA Bronze
HealthPartners
$456.87/mo
Ded: $8,400
Essentia Choice Care with Medica Expanded Bronze Standard
Medica
$457.33/mo
Ded: $7,500
Atlas $6,800 Plus Bronze HSA
HealthPartners
$461.98/mo
Ded: $6,800
Essentia Choice Care with Medica Bronze HSA
Medica
$467.77/mo
Ded: $7,500
Atlas $7,500 Standard Bronze HSA
HealthPartners
$480.30/mo
Ded: $7,500
Medica Individual Choice Expanded Bronze Standard
Medica
$542.11/mo
Ded: $7,500
Select $9,500
Security Health Plan
$575.75/mo
Ded: $9,500
Average Premiums in Douglas
Avg Bronze Plan
$570/mo
16 plans
Avg Silver Plan
$732/mo
Benchmark (2nd-lowest Silver): $595.35/mo
Eligible for CSR cost reductions
Deductibles & Out-of-Pocket Limits in Douglas
The premium is what you pay monthly; the deductible is what you pay before the plan starts sharing costs, and the out-of-pocket maximum is the most you can pay in a year. A cheaper premium usually means a higher deductible.
| Metal tier | Plans | Typical deductible | Deductible range | Typical out-of-pocket max |
|---|---|---|---|---|
| Bronze | 16 | $7,500 | $0–$9,500 | $10,000 |
| Silver | 16 | $5,000 | $3,050–$6,000 | $8,900 |
| Gold | 12 | $2,000 | $1,000–$3,500 | $8,200 |
Typical is the middle plan in each tier, not an average, since one $0-deductible variant would otherwise drag the figure below anything on offer. Silver plans can carry much lower deductibles than shown if you qualify for cost-sharing reductions. Check what you qualify for.
$0 and low-cost health insurance in Douglas County
At $23,940 a year (150% of the poverty level), a 40-year-old in Douglas County can get at least 6 Bronze plans for $0 a month after the premium tax credit.
| Age | Income $23,940 (150% of poverty level) | Income $31,920 (200% of poverty level) |
|---|---|---|
| 30 | $0 (6+ plans) | $1 |
| 40 | $0 (6+ plans) | $0 |
| 60 | $0 (7+ plans) | $0 (6+ plans) |
Medicaid: Wisconsin did not adopt the ACA expansion but covers adults up to 100% of the poverty level ($15,960 a year for one person) through BadgerCare Plus; above that, the premium tax credit applies.
2026 premiums in Douglas County, scaled by age with the CMS age curve; the credit uses the 2026 IRS percentages. "+" is because only the cheapest plans here are counted, so the real number can only be higher. Federal credit only, non-smokers. Income limits · Calculate your own credit
Health insurance companies in Douglas County compared by price
4 companies sell Marketplace plans in Douglas County. Medica has the cheapest Bronze plan for a 40-year-old, at $474/month before subsidies, and Security Health Plan offers the most plans (15). PPO plans come from HealthPartners.
| Company | Plans | Bronze | Silver | Gold | Networks |
|---|---|---|---|---|---|
| Security Health Plan | 15 | $648 | $774 | $851 | EPO, HMO, HSA |
| Medica | 12 | $474 | $656 | $655 | EPO, HSA |
| Anthem Blue Cross and Blue Shield | 9 | $708 | $954 | $1,096 | POS, HSA |
| HealthPartners | 8 | $514 | $673 | $735 | PPO, HSA |
Each company's cheapest plan in each tier, from every Marketplace plan sold in Douglas County. Networks and doctors vary by plan, so check the provider directory before you enroll.
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Health Insurance in Wisconsin
Compare Wisconsin's top-rated plans, ranked by official quality scores. See how Douglas's $421.12/mo starting premium compares to the statewide picture.
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Enter your ZIP, age, and income for Douglas to see subsidy-adjusted prices.
Compare plansFrequently asked questions about ACA insurance in Wisconsin
What is the health insurance marketplace in Wisconsin?
The Wisconsin (WI) health insurance marketplace is the federal ACA Marketplace at HealthCare.gov, operated by the federal government. Policymage lists 44 Wisconsin plans with live marketplace premium data. Open Enrollment runs November 1 through January 15.
How do I compare health insurance plans in Wisconsin?
Use policymage.com/get-quotes: enter your ZIP code, household ages, and income. Policymage fetches ACA Marketplace plans for your county, calculates APTC subsidies, and lets you compare up to 4 plans side-by-side on premium, deductible, network, and benefits. Free, no account, no broker bias. Plans in Wisconsin start from $421.12/month before subsidies.
Which Medicaid plan is best in Wisconsin?
Wisconsin has not expanded Medicaid, creating a coverage gap for adults below 100% FPL. Wisconsin Medicaid still covers eligible children, pregnant women, parents, and people with disabilities. For ACA Marketplace plans with subsidies, shop at HealthCare.gov during Open Enrollment.
Is short-term health insurance available in Wisconsin?
Short-term health insurance is sold outside the ACA Marketplace in Wisconsin by private insurers. These plans are not ACA-compliant: they can exclude pre-existing conditions, skip Essential Health Benefits, and lack guaranteed renewal. For comprehensive coverage with subsidies, enroll in an ACA Marketplace plan at HealthCare.gov during Open Enrollment (November 1 to January 15). See policymage.com/faq for more on short-term vs ACA plans.
How much is health insurance in WI?
Health insurance in WI starts as low as $421.12/month for a 30-year-old on a Bronze plan before subsidies. Most Wisconsin residents who qualify for APTC pay significantly less, some as low as $0/month for a Bronze plan.
What is the cheapest health insurance option in WI for 2027?
The cheapest ACA option in WI for 2027 is typically a Bronze-tier plan or, for residents under 30, a catastrophic plan. Both carry the lowest monthly premium in exchange for a higher deductible. Compare exact Wisconsin plans and prices at policymage.com/get-quotes.
How do I get health insurance in Wisconsin?
To get health insurance in Wisconsin, enroll in an ACA Marketplace plan through HealthCare.gov during Open Enrollment, which runs November 1 through January 15. Plans start at $421.12/month before subsidies. You need your ZIP code, household size, and estimated annual income to apply. Outside Open Enrollment you need a Qualifying Life Event (job loss, marriage, birth, or a move) to enrol through a Special Enrollment Period.
What is the best health insurance in Wisconsin?
There is no single best health insurance plan in Wisconsin; total annual cost depends on your doctors, prescriptions, and how much care you use. Policymage does not recommend plans. It lets you compare 44 Wisconsin plans on premium, deductible, network, and quality rating. Total annual cost is the premium × 12 plus your expected deductible and copays. Cost-Sharing Reductions lower deductibles and copays for incomes between 100% and 250% FPL, and apply only to Silver plans.
How much is health insurance in Wisconsin per month?
Health insurance in Wisconsin starts at $421.12 per month for a Bronze plan for a 30-year-old, before subsidies. Most residents who qualify for APTC tax credits pay considerably less, and some pay $0/month for a Bronze plan. Your exact monthly cost depends on age, county, household size, and tobacco use.
How do I get free health insurance in Wisconsin?
Wisconsin has not expanded Medicaid, so adults earning under 100% of the Federal Poverty Level fall into a coverage gap where they qualify for neither Medicaid nor Marketplace subsidies. Wisconsin Medicaid still covers eligible children, pregnant women, parents, and people with disabilities. Above 100% FPL (about $15,960/year for an individual), APTC subsidies bring some Marketplace plans to $0/month.
When does Open Enrollment end in Wisconsin for ACA plans?
Open Enrollment for Wisconsin residents runs from November 1 through January 15. Wisconsin uses the federal Marketplace at HealthCare.gov, which has a January 15 deadline. Outside Open Enrollment, you need a Qualifying Life Event to enroll in a Special Enrollment Period.
How much does health insurance cost in Wisconsin?
Health insurance in Wisconsin starts as low as $421.12/month for a 30-year-old on a Bronze plan before subsidies. With APTC tax credits, many Wisconsin residents pay $0–$50/month for Bronze coverage. Costs vary by age, county, tobacco use, and household size.
Does Wisconsin use HealthCare.gov or its own state exchange?
Wisconsin uses the federal Health Insurance Marketplace at HealthCare.gov. The federal government (CMS) operates the exchange, processes applications, and calculates subsidies for Wisconsin residents.
Has Wisconsin expanded Medicaid under the ACA?
No. Wisconsin has not expanded Medicaid, which creates a "coverage gap" for adults earning less than 100% of the Federal Poverty Level; they typically don't qualify for Medicaid OR Marketplace tax credits. Wisconsin Medicaid still covers low-income children, pregnant women, parents, people with disabilities, and seniors needing long-term care.
What are the income limits for ACA subsidies in Wisconsin?
Premium tax credits cover household income from 100% to 400% of the Federal Poverty Level: about $15,960 to $63,840 a year for an individual, or $33,000 to $132,000 for a family of 4. Above 400% FPL there is no credit in 2027: the enhanced rules that removed that limit expired after 2025. Use the HealthCare.gov subsidy calculator for your exact estimate.
What are the metal tiers in Wisconsin (Bronze, Silver, Gold, Platinum)?
Wisconsin ACA plans come in four metal tiers based on actuarial value (the percentage of medical costs the plan covers on average): Bronze (~60%), Silver (~70%), Gold (~80%), and Platinum (~90%). Bronze has the lowest premium and highest deductible; Platinum has the highest premium and lowest deductible. Silver is the "benchmark" tier used to calculate APTC subsidies, and it's the only tier eligible for Cost-Sharing Reductions if you qualify by income.
Are HSA-eligible plans available in Wisconsin?
Yes. HSA-eligible High-Deductible Health Plans (HDHPs) are available in Wisconsin through HealthCare.gov. For 2026, HDHPs must have a deductible of at least $1,700 (individual) or $3,400 (family), and you can contribute up to $4,400 (individual) or $8,750 (family) to your HSA pre-tax. HSA contributions roll over year-to-year and can be invested.
Do Wisconsin ACA plans cover dental and vision?
Wisconsin ACA Marketplace plans for adults include preventive care, mental health, prescriptions, hospitalization, and the 10 Essential Health Benefits, but adult dental and vision are not federally required. Most Wisconsin plans cover pediatric dental and vision automatically. For adult dental/vision, you typically buy a separate standalone plan through HealthCare.gov or directly from an insurer.
What is a Qualifying Life Event for Special Enrollment in Wisconsin?
Outside Open Enrollment, Wisconsin residents can enroll in or change ACA plans within 60 days of a Qualifying Life Event: loss of other health coverage, marriage or divorce, birth or adoption of a child, moving to a new county or state, a change in income that affects subsidy eligibility, becoming a US citizen, or release from incarceration. Have documentation ready when applying through HealthCare.gov.
How do I find in-network doctors and hospitals in Wisconsin?
Each Wisconsin ACA plan has its own provider network. Before enrolling, look up the plan on HealthCare.gov, click the carrier name to access their provider directory, and search for your specific doctors and preferred hospitals by name. Out-of-network care typically isn't covered (HMO plans) or costs significantly more (PPO plans). Out-of-network costs can exceed the premium difference between plans.
Compare Plans in Douglas
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