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Marketplace health plans in La Crosse County, WI — 2026
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 2026, La Crosse County, Wisconsin has 37 Marketplace health plans from 3 insurers: 13 bronze, 12 silver, 11 gold, 1 catastrophic. The benchmark silver plan (second-lowest-cost silver, age 40, before subsidies) is $638.42 per month; the lowest bronze premium is $456.84.
What changed vs 2025
- Benchmark silver premium up $48 a month (+8.1%) from 2025
- 1 more plan than 2025
- Lowest bronze premium up $35.24 a month
Market snapshot
- Residents under 65
- 98,704
- Insurers
- 3
- Plans by metal level
- 13 bronze, 12 silver, 11 gold, 1 catastrophic
- Benchmark silver premium, age 40, before subsidies
- $638.42/mo
- Lowest bronze premium, age 40, before subsidies
- $456.84/mo
- Lowest gold premium, age 40, before subsidies
- $642.02/mo
- Lowest silver deductible
- $3,500
- Lowest out-of-pocket maximum
- $5,900
Insurers in the county
- Quartz — 19 plans (Catastrophic, Bronze, Silver, Gold)
- Anthem Blue Cross and Blue Shield — 9 plans (Bronze, Silver, Gold)
- Medica — 9 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 $10,600 DED (37833WI0540084) | Quartz | HMO | $479.54 | $10,600 | $10,600 | 1 |
|---|
| Bronze | QUARTZ GUNDERSEN PERFORMANCE BRONZE $10,150 DED (37833WI0510341) | Quartz | HMO | $456.84 | $10,150 | $10,600 | 13 |
|---|
| Silver | QUARTZ GUNDERSEN PERFORMANCE SILVER $8,000 DED (37833WI0510284) | Quartz | HMO | $637.16 | $8,000 | $9,900 | 12 |
|---|
| Gold | QUARTZ GUNDERSEN PERFORMANCE GOLD $4,000 DED (37833WI0510280) | Quartz | HMO | $642.02 | $4,000 | $8,000 | 11 |
|---|
One plan per metal level shown, of 37 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 |
|---|
| $499.55 | $523.52 | $566.98 | $638.42 | $892.18 | $1,355.76 |
Nearby counties
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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 2026; 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.