SimpliveraCoverage Companion
Wisconsin · 2026 plan year

Gold health insurance plans in Wisconsin

There are 104 Gold plans on the Wisconsin Marketplace from 12 insurers, and they are not interchangeable — premiums run from $416 to $832 a month for the same metal tier. Here is what separates them.

104
Gold plans
12
Insurers
72
Counties covered
$416
Cheapest premium
$2,099
Average deductible
These are benchmark premiums, not your price. Every dollar figure here is the individual rate at age 21 for a non-tobacco user, before any premium tax credit — the standard way plans are compared like for like. What you actually pay depends on your age, county, household and income. Estimate your real cost.

The priciest Gold plan in Wisconsin costs 2.0× the cheapest.

Gold plans here run from $416 to $832 a month for the same actuarial tier. Metal level sets roughly what share of your care is covered, not what you pay for it — so the tier label alone tells you very little about which of these 104 plans is right for you.

Wisconsin Gold deductibles run 26% above the national median.

The average Gold deductible here is $2,099, against a $1,660 median across the 30 states in this tier. A lower premium in this state is more likely to be buying you a higher deductible than it would elsewhere.

Metal tiers describe roughly what share of covered costs a plan pays, not the quality of its care or network. How the metal tiers actually differ walks through the trade, and how ACA subsidies work explains why the prices below are rarely what anyone pays.

Lowest premiums

The cheapest Gold plans in Wisconsin

PlanPremium / mo (age 21, pre-subsidy)DeductibleOut-of-pocket max
Better Together HMO Gold 1500 Ded/8000 MOOP with VisionGroup Health Cooperative-SCW$416$1,500$8,000
Prestige GoldNetwork Health$429$2,000$8,200
Prestige Gold Essential + 3Free PCP VisitsNetwork Health$429$1,750$8,950
Better Together HMO Gold 2000 Ded/8200 MOOPGroup Health Cooperative-SCW$431$2,000$8,200
Better Together HMO Gold 4000 Ded/4000 MOOP HSAGroup Health Cooperative-SCW$433$4,000$4,000

Showing 5 of 104. See all Wisconsin Gold plans →

Who sells here

Gold plans by insurer

InsurerGold plansCheapestTier average
Security Health Plan23$502$668
Quartz18$481$547
Anthem Blue Cross and Blue Shield12$515$574
Network Health10$429$491
Dean Health Plan9$442$491
Medica9$487$506
CareSource (Common Ground Healthcare)6$483$502
Group Health Cooperative-SCW6$416$459
HealthPartners4$515$542
UnitedHealthcare4$548$557
Aspirus Health Plan2$487$489
MercyCare Health Plans1$435$435
Other tiers in Wisconsin

How Gold compares to the rest

Bronze
Avg $396 · from $276
120 plans
Silver
Avg $517 · from $411
127 plans
Gold
Avg $553 · from $416
104 plans · you are here

All WisconsinMarketplace plans →

Nearby on price

States with similar Gold premiums

Texas
Avg $540
277 Gold plans
South Dakota
Avg $555
20 Gold plans
North Carolina
Avg $558
49 Gold plans
Common questions

Wisconsin Gold plans, answered

What are the copays on a Wisconsin Gold plan?
Copays vary plan by plan rather than by tier — the metal level sets roughly what share of total care costs the plan covers, not the individual amounts. Across the 104 Gold plans in Wisconsin, deductibles average $2,099 and the out-of-pocket maximum averages $7,275. Open any plan below to see its full cost-sharing schedule, including primary care, specialist and prescription tiers.
Who is eligible for a Gold plan in Wisconsin?
Any Wisconsin Marketplace shopper can choose Gold. It suits people who expect steady ongoing care, since the higher premium buys a much lower deductible — averaging $2,099 in this tier. If your income qualifies you for cost-sharing reductions, compare against Silver before deciding, since those only apply to Silver.
What is the deductible on a Wisconsin Gold plan?
The average across all 104 Gold plans in Wisconsin is $2,099, with an average out-of-pocket maximum of $7,275. The range within the tier is wide, so two plans at a similar premium can differ by thousands in what you would actually pay during a year with significant care. Deductible is usually a better basis for comparison than premium alone.
Are Gold plans available in my Wisconsin county?
Gold plans are sold in 72 Wisconsin counties, from 12 insurers. Which specific plans you can buy depends on where you live — a plan offered in a metro county is often not sold in a rural one. Enter your ZIP code to narrow the list to plans actually available to you.
When can I enroll in a Wisconsin Marketplace plan?
Wisconsin uses the federal Marketplace, so open enrollment runs November 1 to January 15. Outside that window you need a qualifying life event — losing job-based coverage, moving, marriage, or a birth — to open a special enrollment period. Cheapest Gold premiums in Wisconsin start at $416 a month before any subsidy.

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