SimpliveraCoverage Companion
Wisconsin · 2026 plan year

Silver health insurance plans in Wisconsin (2026)

There are 102 Silver plans on the Wisconsin Marketplace from 12 insurers, and they are not interchangeable — premiums run from $411 to $738 a month for the same metal tier. Here is what separates them.

102
Silver plans
12
Insurers
72
Counties covered
$411
Cheapest premium
$5,975
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 Silver premiums rank 13th cheapest of 35.

Averaged across all 102 plans, Silver coverage in Wisconsin costs $499 a month before subsidies — 13th 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 Silver plan costs in Wisconsin in 2026

Across all 102 Silver plans in Wisconsin, monthly premiums run from $411 to $738, averaging $499. 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

Silver plan deductibles in Wisconsin

Silver deductibles in Wisconsin run from $3,050 to $9,000, with a median of $5,975 across the 97 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 $5,456 because the spread is not symmetric. The other 5 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

Silver out-of-pocket maximums in Wisconsin

Individual out-of-pocket maximums on Wisconsin Silver plans run from $5,400 to $10,600, with a median of $8,900. 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 Silver plans in Wisconsin

PlanPremium / mo (age 21, pre-subsidy)DeductibleOut-of-pocket max
Prestige SilverNetwork Health$411$6,000$8,900
CareSource (Common Ground Healthcare) Silver $5000 Ded / $6000 Rx DedCareSource (Common Ground Healthcare)$423$5,000 medical + $6,000 Rx (separate)$10,600
CareSource (Common Ground Healthcare) Silver $5000 Ded / $6000 Rx Ded - Vision ExamCareSource (Common Ground Healthcare)$424$5,000 medical + $6,000 Rx (separate)$10,600
Better Together HMO Silver 6000 Ded/8900 MOOPGroup Health Cooperative-SCW$425$6,000$8,900
MercyCare Silver StandardMercyCare Health Plans$425$6,000$8,900

Showing 5 of 102. See all Wisconsin Silver plans →

Who sells here

Silver plans by insurer

InsurerSilver plansCheapestTier averageDeductible range
Anthem Blue Cross and Blue Shield18$448$500$4,000–$6,000
Quartz18$477$522$6,000–$9,000
Security Health Plan12$495$573$4,000–$6,000
Dean Health Plan9$438$482$3,500–$6,000
Medica9$488$506$3,500–$6,000
CareSource (Common Ground Healthcare)6$423$427$6,000
Group Health Cooperative-SCW6$425$473$5,500–$6,000
HealthPartners6$441$470$3,050–$6,000
Network Health6$411$468$4,600–$6,000
UnitedHealthcare5$501$508$3,500–$6,000
Aspirus Health Plan4$453$474$5,900–$6,600
MercyCare Health Plans3$425$428$5,400–$6,000
Other tiers in Wisconsin

How Silver compares to the rest

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

All WisconsinMarketplace plans →

Nearby on price

States with similar Silver premiums

Utah
Avg $492
21 Silver plans
Alabama
Avg $500
21 Silver plans
Missouri
Avg $512
42 Silver plans
Common questions

Wisconsin Silver plans, answered

What are the copays on Wisconsin Silver 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 102 Silver plans in Wisconsin, out-of-pocket maximums run $5,400 to $10,600, and deductibles on the 97 plans with one combined deductible run $3,050 to $9,000. The other 5 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 Silver plan in Wisconsin?
Anyone eligible to buy Marketplace coverage in Wisconsin can pick a Silver plan — there is no separate test for the tier. What Silver uniquely unlocks is cost-sharing reductions, available if your household income is roughly 100–250% of the federal poverty level. Those reductions apply only to Silver plans, which is why Silver is usually the right choice at those incomes even though its sticker price here ($499 a month on average) is higher than Gold in some states.
What is the deductible on Wisconsin Silver plans?
Silver deductibles in Wisconsin run from $3,050 to $9,000 across the 97 plans with one combined deductible, with a median of $5,975 — that median is the figure closest to a typical plan. The other 5 set a separate deductible for prescription drugs and are not included in the deductible figures. Out-of-pocket maximums run $5,400 to $10,600. 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 Silver plans available in my Wisconsin county?
Silver 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 Silver premiums in Wisconsin start at $411 a month before any subsidy.

Stop comparing sticker prices.
See what you would actually pay.

Simplivera simulates a full year of your real costs across all 102 Wisconsin Silver plans.

Estimate my costs — it’s free →