Health Insurance in Florence County, WI — 2026 Plans & Premiums
36 ACA marketplace plans are available in Florence County, WI, from 3 insurers. The cheapest plan starts at $382.42/month before subsidies.
36
Plans Available
$382.42
Cheapest Plan/mo
3
Insurers
HealthCare.gov
Exchange
Insurers Serving Florence
Plans Available in Florence
Sorted by monthly premium · 30-year-old · Before subsidies
NE WI Select $8,400 HSA Bronze
HealthPartners
$382.42/mo
Ded: $8,400
NE WI Select $6,800 Plus Bronze HSA
HealthPartners
$388.57/mo
Ded: $6,800
HMO Catastrophic 10600 with 3 free PCP visits
Aspirus Health Plan
$391.22/mo
Ded: $10,600
NE WI Select $7,500 Standard Bronze HSA
HealthPartners
$401.97/mo
Ded: $7,500
SimplyOne Protection
Security Health Plan
$441.59/mo
Ded: $10,600
SimplyOne $9,500
Security Health Plan
$470.55/mo
Ded: $9,500
SimplyOne $7,500
Security Health Plan
$470.67/mo
Ded: $7,500
HMO Bronze 10000
Aspirus Health Plan
$490.25/mo
Ded: $10,000
Average Premiums in Florence
Avg Bronze Plan
$511/mo
13 plans
Avg Silver (Subsidy Benchmark)
$640/mo
Eligible for CSR cost reductions
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Compare Wisconsin's top-rated plans, ranked by official quality scores — Florence premiums run differently the statewide picture.
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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 36 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 3 plans side-by-side on premium, deductible, network, and benefits. Free, no account, no broker bias. Plans in Wisconsin start from $382.42/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 (Nov 1–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 $382.42/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 Silver plan.
What is the cheapest health insurance option in WI for 2026?
The cheapest ACA option in WI for 2026 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.
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 ACA health insurance cost in Wisconsin?
Bronze-tier plans in Wisconsin start as low as $382.42/month for a 30-year-old 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 Credit eligibility starts at 100% of the Federal Poverty Level — about $15,650/year for an individual or $32,300/year for a family of 4. Wisconsin residents above 400% FPL still qualify if benchmark Silver costs more than 8.5% of their income. 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 $1,650 (individual) or $3,300 (family), and you can contribute up to $4,300 (individual) or $8,550 (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). If you have an existing provider relationship, network match is usually more important than the lowest premium.
Find the Right Plan in Florence
Enter your ZIP code, age, and income to see all plans available to you — with your actual subsidy applied, or see how Florence compares to the Wisconsin state average.
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