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Marketplace health plans in Lincoln 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, Lincoln County, Wisconsin has 37 Marketplace health plans from 3 insurers: 14 bronze, 13 silver, 8 gold, 2 catastrophic. The benchmark silver plan (second-lowest-cost silver, age 40, before subsidies) is $631.32 per month; the lowest bronze premium is $486.24.
What changed vs 2025
- Benchmark silver premium up $94.75 a month (+17.7%) from 2025
- 7 fewer plans than 2025
- Insurers exited: Molina Healthcare
- Lowest bronze premium up $78.34 a month
Market snapshot
- Residents under 65
- 21,705
- Insurers
- 3
- Plans by metal level
- 14 bronze, 13 silver, 8 gold, 2 catastrophic
- Benchmark silver premium, age 40, before subsidies
- $631.32/mo
- Lowest bronze premium, age 40, before subsidies
- $486.24/mo
- Lowest gold premium, age 40, before subsidies
- $670.38/mo
- Lowest silver deductible
- $4,000
- Lowest out-of-pocket maximum
- $5,900
Insurers in the county
- Security Health Plan — 16 plans (Catastrophic, Bronze, Silver, Gold)
- Aspirus Health Plan — 12 plans (Catastrophic, Bronze, Silver, Gold)
- Anthem Blue Cross and Blue Shield — 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 | HMO Catastrophic 10600 with 3 free PCP visits (86584WI0010008) | Aspirus Health Plan | HMO | $388.01 | $10,600 | $10,600 | 2 |
|---|
| Bronze | HMO Bronze 10000 (86584WI0010009) | Aspirus Health Plan | HMO | $486.24 | $10,000 | $10,000 | 14 |
|---|
| Silver | HMO Silver 6000 (86584WI0010012) | Aspirus Health Plan | HMO | $623.29 | $6,000 | $8,900 | 13 |
|---|
| Gold | HMO Gold 2700 (86584WI0010007) | Aspirus Health Plan | HMO | $670.38 | $2,700 | $7,000 | 8 |
|---|
One plan per metal level shown, of 37 plans in the county.
Benchmark silver premium by age
The benchmark plan (Aspirus Health Plan) at each age, individual, non-tobacco, before any premium tax credit.
| Age 21 | Age 27 | Age 30 | Age 40 | Age 50 | Age 60 |
|---|
| $494 | $517.71 | $560.68 | $631.32 | $882.27 | $1,340.70 |
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.