Wisconsin
Cheapest ACA plans in La Crosse, Wisconsin for 2026
Plan year 2026, last refreshed 2026-04-19T08:08:55.462Z.
La Crosse is in La Crosse County, Wisconsin. 3 carriers sell 2026 ACA plans on Healthcare.gov for residents of La Crosse County, and the cheapest Bronze plan a 40-year-old can enroll in starts at $457/month before any subsidy. Carriers are licensed and rated at the county level, so the plans below cover everyone in La Crosse County, including La Crosse.
Cheapest plans by metal tier
Lowest 2026 monthly premium for a single 40-year-old in La Crosse (La Crosse County), on-exchange, before any subsidy. Per-age figures derived from the CMS QHP Landscape file using the HHS standardized age-rating curve (45 CFR 147.102).
| Tier | Cheapest age 40 monthly | Plans in La Crosse County |
|---|---|---|
| Expanded Bronze | $457 | 13 |
| Catastrophic | $480 | 1 |
| Silver | $637 | 12 |
| Gold | $642 | 11 |
The actual cheapest Bronze plan in La Crosse
Quartz QUARTZ GUNDERSEN PERFORMANCE BRONZE $10,150 DED
$457/moFor a family of four (two 40-year-olds and two kids under 14): Quartz QUARTZ GUNDERSEN PERFORMANCE BRONZE $10,150 DED at $1,461/month before subsidies.
Carriers selling 2026 plans in La Crosse
3 carriers sell 2026 plans on Healthcare.gov for La Crosse County residents. 71 plans total in La Crosse County.
What you'll actually pay in La Crosse
Estimated monthly net premium for the cheapest Bronze plan above ($457/mo before subsidy) on Healthcare.gov, after federal APTC. APTC is computed against the La Crosse Countybenchmark Silver per 26 USC §36B. Approximate; exact net varies by plan's EHB% and child-rate structure.
Single 40-year-old
| Annual income | FPL % | Federal APTC | Cheapest Bronze net |
|---|---|---|---|
| $25,000 | 160% | $542/mo | $0/mo |
| $40,000 | 256% | $352/mo | $105/mo |
| $60,000 | 383% | $141/mo | $316/mo |
| $100,000 | 639% | — | $457/mo |
Family of 4 (two 40-year-olds, two children)
| Annual income | FPL % | Federal APTC | Cheapest Bronze net |
|---|---|---|---|
| $40,000 | 124% | — | Medicaid likely |
| $80,000 | 249% | $1,482/mo | $0/mo |
| $130,000 | 404% | — | $1,461/mo |
| $200,000 | 622% | — | $1,461/mo |
FPL = Federal Poverty Level. APTC = Advance Premium Tax Credit (the federal subsidy). Off-exchange and Catastrophic plans are not APTC-eligible. Enter your real income on the home page to see plan-specific net premium with the per-plan EHB-percent cap applied.
Frequently asked questions
What is the cheapest ACA plan in La Crosse, Wisconsin for 2026?
The cheapest Bronze plan a 40-year-old can enroll in is Quartz QUARTZ GUNDERSEN PERFORMANCE BRONZE $10,150 DED at $457 per month before subsidies. Plans sell through Healthcare.gov. La Crosse is in La Crosse County, Wisconsin; carriers are licensed and rated at the county level. Data refreshed 2026-04-19T08:08:55.462Z.
How does La Crosse's 2026 ACA pricing compare to other Wisconsin cities?
Cheapest Bronze for a 40-year-old in La Crosse is $457 per month before subsidies. For comparison: Milwaukee at $485/mo; Madison at $353/mo; Green Bay at $418/mo. Different cities can have different cheapest plans because plans are sold per county and carrier participation varies by jurisdiction.
Does Wisconsin use Healthcare.gov?
Yes. Wisconsin participates in the federally-facilitated Marketplace (FFM), so enrollment and subsidy applications run through healthcare.gov. Wisconsin does not operate a state-based exchange.
Has Wisconsin expanded Medicaid?
No, not under the ACA expansion framework. However, Wisconsin's BadgerCare Plus program covers adults up to 100% FPL (parents and childless adults alike), and adults above 100% FPL qualify for federal APTC on the Marketplace. Wisconsin is the only non-expansion state in the country without a coverage gap.
Why does Wisconsin have no coverage gap?
Other non-expansion states cap Medicaid eligibility for non-disabled adults at thresholds well below 100% FPL (or exclude childless adults entirely), leaving a gap between Medicaid's upper limit and APTC's lower limit (100% FPL). Wisconsin caps BadgerCare Plus eligibility right at 100% FPL for all adults, so there is no income range where someone is ineligible for both Medicaid and APTC.
More Wisconsin pricing
- Statewide Wisconsin pricing and metal tiers
- Milwaukee pricingcheapest Bronze $485/mo
- Madison pricingcheapest Bronze $353/mo
- Green Bay pricingcheapest Bronze $418/mo
Sources
- HealthCare.gov for enrollment, OEP dates, and federal APTC / CSR application.
- Wisconsin Office of the Commissioner of Insurance (OCI) for rate review, carrier filings, and consumer guidance.
- BadgerCare Plus: Wisconsin Department of Health Services for BadgerCare Plus eligibility up to 100% FPL.
- KFF: Wisconsin State Health Facts for BadgerCare Plus and Marketplace enrollment context, including the no-coverage-gap posture.
Plan year 2026, last refreshed 2026-04-19T08:08:55.462Z. Full pricing pipeline + regulatory references at methodology; ACA terminology in the glossary.