Health insurance cost in Walworth County, WI (2026)

46 Marketplace plans from 4 insurance companies are sold in Walworth County in 2026. Here is what they cost by tier and age, what a tax credit does to the price, the cheapest plans by name, and what private plans run for healthy households.

Cheapest Bronze, age 40

$384/mo

full price, before any credit

Silver benchmark, age 40

$546/mo

the plan tax credits are based on

Plans

28 HMO · 18 EPO

Insurers

selling in this county

Deductibles

$0 to $10,600

individual, standard plans

Monthly premiums by tier and age

Tier	Age 21	Age 30	Age 40	Age 50	Age 60
Bronze (15 plans)	$300–$470	$341–$533	$384–$600	$537–$839	$815–$1,274
Silver (17 plans)	$425–$549	$482–$623	$543–$702	$759–$981	$1,153–$1,490
Gold (14 plans)	$435–$681	$494–$773	$556–$871	$777–$1,217	$1,181–$1,850

Lowest to highest monthly premium among the plans sold in Walworth County, before any tax credit, from the CMS 2026 plan file (snapshot August 4, 2026).

Ranges at a glance (age 40)

Blue: Marketplace tiers, full price. Green: private plan range for a healthy 40-year-old man in Wisconsin, after the advisors' usual adjustment.

What a tax credit does in Walworth County

Household	% of poverty level	Estimated tax credit	Cheapest Bronze, full → after credit
A single 40-year-old earning $40,000	255%	$259/mo	$384 → $125
A family of four (parents 40 and 38, two kids) earning $85,000	264%	$1,104/mo	$1,218 → $114

2025 federal poverty guidelines apply to 2026 coverage; the enhanced credits of 2021–2025 expired, so the 400% cutoff is back (for one person that is $62,600 a year, for four $128,600). The Marketplace sets the final credit.

See your own numbers for Walworth County

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Cheapest Marketplace plans in Walworth County

Priced for a 40-year-old, full price. Every plan, with deductibles and copays, is in the tool once you enter your household.

Cheapest Bronze plans

Dean Bronze ShareDean Health Plan · HMO$384/mo at 40 · deductible $8,000 · max out-of-pocket $10,600

MercyCare Bronze 10,000 (1 Free PCP Visit)MercyCare Health Plans · HMO$388/mo at 40 · deductible $10,000 · max out-of-pocket $10,000

MercyCare Bronze Standard ExpandedMercyCare Health Plans · HMO$422/mo at 40 · deductible $7,500 · max out-of-pocket $10,000

Cheapest Silver plans

MercyCare Silver StandardMercyCare Health Plans · HMO$543/mo at 40 · deductible $6,000 · max out-of-pocket $8,900

MercyCare Silver 2,500 (3 Free PCP Visits)MercyCare Health Plans · HMO$546/mo at 40 · deductible $2,500 · max out-of-pocket $10,000

MercyCare Silver Health SavingsMercyCare Health Plans · HMO$551/mo at 40 · deductible $5,400 · max out-of-pocket $5,400

Cheapest Gold plans

MercyCare Gold StandardMercyCare Health Plans · HMO$556/mo at 40 · deductible $2,000 · max out-of-pocket $8,200

Dean Gold ShareDean Health Plan · HMO$615/mo at 40 · deductible $2,500 · max out-of-pocket $5,900

Dean Gold StandardDean Health Plan · HMO$638/mo at 40 · deductible $2,000 · max out-of-pocket $8,200

Private plans in Wisconsin

Age	Man, monthly range	Woman, monthly range
30	$57–$335	$137–$439
40	$128–$469	$164–$520
50	$256–$546	$242–$537
60	$415–$749	$352–$684

A family of four (parents 40 and 38 with two children) is typically quoted $500 to $983 a month in Wisconsin. Private plans are not ACA plans: no tax credit, health questions on the application, and pre-existing conditions can raise the price or be excluded. Deductibles are usually lower than the cheapest Marketplace tiers and you can enroll any month of the year.

Questions people ask

What is the cheapest health insurance in Walworth County?

For a 40-year-old paying full price, the cheapest Marketplace plan in Walworth County is a Bronze plan at $384 a month (Dean Health Plan). With a tax credit it can be far less; see the examples above. Private plans for a healthy 40-year-old man start around $128 a month.

How many health insurance companies sell Marketplace plans in Walworth County?

4 in 2026: CareSource (Common Ground Healthcare), Dean Health Plan, MercyCare Health Plans, UnitedHealthcare. Between them they offer 46 plans (28 HMO · 18 EPO).

Do I qualify for a tax credit in Walworth County?

Marketplace premium tax credits apply when household income is between 100% and 400% of the federal poverty level, which for 2026 means up to $62,600 for one person or $128,600 for a family of four. Wisconsin did not expand Medicaid, so credits start at 100% of the poverty level. Enter your income in the tool to see your estimate.

When can I enroll?

Marketplace Open Enrollment runs from November 1 to mid-January in most states, or within 60 days of a qualifying life event such as losing other coverage, moving, marriage or a new baby. Private plans can be applied for any month of the year.

Nearby counties in Wisconsin

All Wisconsin counties →

Sources: CMS QHP Landscape PY2026 Individual Medical (data.healthcare.gov, snapshot August 4, 2026); HHS 2025 poverty guidelines; IRS Rev. Proc. 2025-25; private ranges from the carrier rate tables our advisors quote from. Page generated 2026-09-29.