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Wisconsin · 2026 plan year

Gold health insurance plans in Wisconsin (2026)

There are 89 Gold plans on the Wisconsin Marketplace from 12 insurers, and they are not interchangeable — premiums run from $416 to $814 a month for the same metal tier. Here is what separates them.

89
Gold plans
12
Insurers
72
Counties covered
$416
Cheapest premium
$2,000
Median 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.

Wisconsin Gold premiums rank 12th cheapest of 35.

Averaged across all 89 plans, Gold coverage in Wisconsin costs $531 a month before subsidies — 12th lowest of the 35 states with federal-marketplace data. Premiums vary far more by county and age than this single number suggests.

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.

Cost

What a Gold plan costs in Wisconsin in 2026

Across all 89 Gold plans in Wisconsin, monthly premiums run from $416 to $814, averaging $531. Those are age-21, non-tobacco rates before any subsidy — the basis every figure on this page uses, and rarely what anyone actually pays. Premium tax credits cut that bill for most Wisconsin enrollees, often to a fraction of the sticker price.

Deductibles

Gold plan deductibles in Wisconsin

Gold deductibles in Wisconsin run from $0 to $4,000, with a median of $2,000 across the 78 plans with one combined deductible — the amount you pay yourself before the plan starts sharing most costs. The median is the closest thing to a typical plan; the mean sits at $2,085 because the spread is not symmetric. Some Wisconsin Gold plans file a $0 deductible and charge copays from the first visit instead, which is what pulls the low end of that range to zero. The other 11 set a separate deductible for prescription drugs, so their medical deductible alone would understate what you pay; they are left out of these figures, and the table below shows both deductibles where a plan has two. No single figure is a quote — the table below shows the real deductible on each of the cheapest plans, and the insurer breakdown shows how the range splits by carrier.

Out-of-pocket maximum

Gold out-of-pocket maximums in Wisconsin

Individual out-of-pocket maximums on Wisconsin Gold plans run from $4,000 to $9,300, with a median of $8,200. That is the ceiling on what a plan can make you pay in a year for covered in-network care — after you reach it, the plan pays 100% of covered services. It is the number that matters most in a bad year, and the top of the range here is set by the federal limit that applies to every Marketplace plan, not by the insurer.

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 89. See all Wisconsin Gold plans →

Who sells here

Gold plans by insurer

InsurerGold plansCheapestTier averageDeductible range
Quartz18$481$547$2,000–$4,000
Anthem Blue Cross and Blue Shield12$515$574$1,000–$2,000
Network Health10$429$491$1,000–$2,000
Dean Health Plan9$442$491$2,000–$3,400
Medica9$487$506$1,500–$2,500
Security Health Plan8$544$635$2,000
CareSource (Common Ground Healthcare)6$483$502$0–$3,300
Group Health Cooperative-SCW6$416$459$1,500–$4,000
HealthPartners4$515$542$1,300–$2,000
UnitedHealthcare4$548$557$1,500–$2,000
Aspirus Health Plan2$487$489$2,000–$2,700
MercyCare Health Plans1$435$435$2,000
Other tiers in Wisconsin

How Gold compares to the rest

Bronze
Avg $383 · from $276
110 plans
Silver
Avg $499 · from $411
102 plans
Gold
Avg $531 · from $416
89 plans · you are here

All WisconsinMarketplace plans →

Nearby on price

States with similar Gold premiums

Utah
Avg $527
18 Gold plans
Ohio
Avg $536
55 Gold plans
Texas
Avg $540
277 Gold plans
Common questions

Wisconsin Gold plans, answered

What are the copays on Wisconsin Gold plans?
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. What the tier does bound is the rest of the cost-sharing: across the 89 Gold plans in Wisconsin, out-of-pocket maximums run $4,000 to $9,300, and deductibles on the 78 plans with one combined deductible run $0 to $4,000. The other 11 set a separate deductible for prescription drugs and are not included in the deductible figures. 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 — a median of $2,000 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 Wisconsin Gold plans?
Gold deductibles in Wisconsin run from $0 to $4,000 across the 78 plans with one combined deductible, with a median of $2,000 — that median is the figure closest to a typical plan. The other 11 set a separate deductible for prescription drugs and are not included in the deductible figures. Out-of-pocket maximums run $4,000 to $9,300. The spread inside a single 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 Marketplace plan in Wisconsin?
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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