ACA Marketplace Health Insurance in Wisconsin
Wisconsin residents shop for marketplace health insurance through Healthcare.gov. Whether you live in Milwaukee, Madison, Green Bay, Kenosha, Racine, or a rural county, an independent broker can pull every plan available in your ZIP code at no cost. Open Enrollment runs November 1 through January 15, with coverage effective January 1 for enrollments completed by December 15.
Wisconsin did not expand Medicaid under the standard ACA framework, but the state operates BadgerCare Plus, which covers adults earning up to 100% FPL. Residents earning 100%–138% FPL are directed to the ACA marketplace and qualify for premium tax credits. An independent broker helps you determine whether BadgerCare Plus or a marketplace plan is the right fit.
ACA Carriers Available in Wisconsin (2026)
12 insurers sell 2026 marketplace plans in Wisconsin through HealthCare.gov. Not every insurer covers every county, so the choice at your ZIP code may be smaller:
- Anthem Blue Cross and Blue Shield
- Aspirus Health Plan
- CareSource (Common Ground Healthcare)
- Dean Health Plan
- Group Health Cooperative-SCW
- HealthPartners
- Medica
- MercyCare Health Plans
- Network Health
- Quartz
- Security Health Plan
- UnitedHealthcare
Plan availability is highly county-dependent in Wisconsin. Rural counties in the northern part of the state may have limited carrier options. An independent broker identifies all plans available at your address.
Wisconsin-Specific Subsidy Notes
Wisconsin residents earning 100%–400% FPL are eligible for ACA premium tax credits. The Inflation Reduction Act enhancement that extended credits above 400% FPL expired on 31 December 2025. Because Wisconsin didn't take full Medicaid expansion, residents at 100%–138% FPL access coverage through the marketplace rather than Medicaid, meaning they qualify for subsidies at lower income levels than residents in expansion states.
Silver plan cost-sharing reductions (CSRs) are available for Wisconsin residents earning 100%–250% FPL and require selecting a Silver plan to activate. CSRs can substantially reduce deductibles and copays at lower income levels.
Self-Employed in Wisconsin?
Self-employed Wisconsin residents — freelancers, LLC owners, sole proprietors, S-corp owners, and 1099 workers — can deduct 100% of health insurance premiums on Schedule 1 of Form 1040. This above-the-line deduction reduces adjusted gross income, lowering your tax bill and potentially improving marketplace subsidy eligibility. See our guides for LLC owners, sole proprietors, and self-employed professionals.