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Marketplace health plans in La Crosse County, WI — 2027
What agents look up before working a county's individual market: plans by metal level, insurers, the benchmark silver premium, the lowest bronze premium, deductible and out-of-pocket floors, the population under 65, and what changed since last year.
In 2027, La Crosse County, Wisconsin has 36 Marketplace health plans from 3 insurers: 13 bronze, 12 silver, 10 gold, 1 catastrophic. The benchmark silver plan (second-lowest-cost silver, age 40, before subsidies) is $712.86 per month; the lowest bronze premium is $517.29.
What changed vs 2026
- Benchmark silver premium up $74.44 a month (+11.7%) from 2026
- 1 fewer plan than 2026
- Lowest bronze premium up $60.45 a month
Market snapshot
- Residents under 65
- 98,704
- Insurers
- 3
- Plans by metal level
- 13 bronze, 12 silver, 10 gold, 1 catastrophic
- Benchmark silver premium, age 40, before subsidies
- $712.86/mo
- Lowest bronze premium, age 40, before subsidies
- $517.29/mo
- Lowest gold premium, age 40, before subsidies
- $755.30/mo
- Lowest silver deductible
- $3,525
- Lowest out-of-pocket maximum
- $4,700
Insurers in the county
- Quartz — 19 plans (Catastrophic, Bronze, Silver, Gold)
- Medica — 9 plans (Bronze, Silver, Gold)
- Anthem Blue Cross and Blue Shield — 8 plans (Bronze, Silver, Gold)
Lowest age-40 premium per metal level, before subsidies
| Metal level | Plan | Insurer | Plan type | Monthly premium, age 40 | Deductible | Out-of-pocket maximum | Plans at this level |
|---|---|---|---|---|---|---|---|
| Catastrophic | QUARTZ GUNDERSEN PERFORMANCE CATASTROPHIC $12,000 DED (37833WI0540084) | Quartz | HMO | $423.87 | $12,000 | $12,000 | 1 |
| Bronze | QUARTZ GUNDERSEN PERFORMANCE BRONZE $10,800 DED (37833WI0510341) | Quartz | HMO | $517.29 | $10,800 | $11,800 | 13 |
| Silver | QUARTZ GUNDERSEN PERFORMANCE SILVER $8,500 DED (37833WI0510284) | Quartz | HMO | $708.50 | $8,500 | $10,900 | 12 |
| Gold | QUARTZ GUNDERSEN PERFORMANCE GOLD $4,250 DED (37833WI0510280) | Quartz | HMO | $755.30 | $4,250 | $8,500 | 10 |
One plan per metal level shown, of 36 plans in the county.
Benchmark silver premium by age
The benchmark plan (Quartz) at each age, individual, non-tobacco, before any premium tax credit.
| Age 21 | Age 27 | Age 30 | Age 40 | Age 50 | Age 60 |
|---|---|---|---|---|---|
| $557.80 | $584.56 | $633.09 | $712.86 | $996.21 | $1,513.84 |
Nearby counties
Agent Tools
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Free tools for licensed insurance agents. Data from CMS public files; verify with plan documents before advising a client.
About this data
Premiums are individual, non-tobacco, age 40, before any premium tax credit, from the CMS QHP Landscape Individual Market Medical file for plan year 2027; population: U.S. Census Bureau ACS 5-year 2024.
This page summarizes publicly available CMS data. It does not recommend plans and is not an application. To check subsidy eligibility and enroll, use HealthCare.gov or talk to a licensed agent. HealthCare.gov plan preview.