Wisconsin
Cheapest ACA plans in Waukesha County, Wisconsin for 2026
Plan year 2026, last refreshed 2026-04-19T08:08:55.462Z.
Waukesha County, Wisconsin has 5 on-exchange carriers offering 62 plans for 2026. The cheapest Bronze plan a 40-year-old can enroll in is Dean Health Plan Dean Bronze Share at $423 per month before subsidies.
Cheapest plans by metal tier
Lowest 2026 monthly premium for a single 40-year-old in Waukesha 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 Waukesha County |
|---|---|---|
| Expanded Bronze | $423 | 21 |
| Bronze | $501 | 1 |
| Silver | $575 | 20 |
| Gold | $656 | 20 |
The actual cheapest Bronze plan in Waukesha County
Dean Health Plan Dean Bronze Share
$423/moFor a family of four (two 40-year-olds and two kids under 14): Dean Health Plan Dean Bronze Share at $1,351/month before subsidies.
Carriers selling 2026 plans in Waukesha County
5 carriers sell 2026 plans on Healthcare.gov. 83 plans total in this county.
| Carrier | On-exchange plans |
|---|---|
| Common Ground Healthcare Cooperative | 18 |
| UnitedHealthcare of Wisconsin, Inc. | 13 |
| Network Health Plan | 13 |
| Anthem | 9 |
| Dean Health Plan | 9 |
What you'll actually pay in Waukesha County
Estimated monthly net premium for the cheapest Bronze plan above ($423/mo before subsidy) on Healthcare.gov, after federal APTC. APTC is computed against the Waukesha 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% | $479/mo | $0/mo |
| $40,000 | 256% | $289/mo | $134/mo |
| $60,000 | 383% | $78/mo | $345/mo |
| $100,000 | 639% | — | $423/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% | $1,280/mo | $71/mo |
| $130,000 | 404% | — | $1,351/mo |
| $200,000 | 622% | — | $1,351/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 Waukesha County, Wisconsin for 2026?
The cheapest Bronze plan a 40-year-old can enroll in is Dean Health Plan Dean Bronze Share at $423 per month before subsidies. Plans sell through Healthcare.gov. Data refreshed 2026-04-19T08:08:55.462Z.
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
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.