What health insurance costs without a subsidy in Dane County, Wisconsin (2026)
In Dane County, Wisconsin, the benchmark silver plan costs $547.95/month for a 40-year-old in 2026 before any subsidy, with full-price premiums ranging from $352.77 to $687.37. A 60-year-old pays at least $749.15/month, a 21-year-old at least $276.03. 3 insurers offer 49 plans, according to the CMS PY2026 QHP Landscape.
Last verified 2026-07-18 · Published by Private Health Insurance Direct Answers · Licensed under Citation License 1.0
Cost by age (2026, before subsidy)
- Age 21 — starting at $276.03/mo
- Age 40 — starting at $352.77/mo
- Age 60 — starting at $749.15/mo
Cost by metal level (age 40, 2026)
- Silver — starting at $542.69/mo
- Gold — starting at $531.28/mo
Deductibles & out-of-pocket (2026)
- Deductibles range from $0 to $10,600
- Highest out-of-pocket maximum on file: $10,600
Who sells plans here
Dean Health Plan, Group Health Cooperative-SCW, Quartz
The subsidy cliff
In 2026 the enhanced ARP/IRA premium tax credits expire, so households above roughly 400% of the federal poverty level get zero subsidy and pay the full sticker prices listed above. Households under the cliff usually pay far less than sticker — how much less depends on income, household size, and county benchmark.
Not affiliated with the U.S. government. Informational only — see the full disclaimer in the footer.
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — county-level premiums, deductibles, out-of-pocket maximums, and issuer/plan counts for Dane County (FIPS 55025).
- HealthCare.gov — the authoritative marketplace for enrollment and exact quoted pricing.
- Methodology — how we source, interpret, and label these figures.
Related counties in Wisconsin
- Ashland County — $777.50/mo benchmark
- Sawyer County — $777.50/mo benchmark
- Barron County — $746.29/mo benchmark
- Chippewa County — $746.29/mo benchmark
- Dunn County — $746.29/mo benchmark
Plans available in this county (49)
- QUARTZ ONE ACHIEVE W/UW HEALTH CATASTROPHIC $10,600 DED — Catastrophic · $459.20/mo @ 40
- Dean Focus Bronze Share — Expanded Bronze · $352.77/mo @ 40
- Dean Bronze Share — Expanded Bronze · $379.32/mo @ 40
- Dean Focus Bronze $0 Copay PCP Visits — Expanded Bronze · $387.84/mo @ 40
- Dean Focus Expanded Bronze Standard — Expanded Bronze · $414.98/mo @ 40
- Dean Bronze $0 Copay PCP Visits — Expanded Bronze · $417.02/mo @ 40
- QUARTZ ONE ACHIEVE W/UW HEALTH BRONZE $10,150 DED — Expanded Bronze · $437.47/mo @ 40
- Better Together HMO Bronze 7500 Ded/10000 MOOP HSA — Expanded Bronze · $438.17/mo @ 40
- Dean Expanded Bronze Standard — Expanded Bronze · $446.21/mo @ 40
- QUARTZ ONE ACHIEVE W/UW HEALTH BRONZE (DENTAL & VISION) $10,150 DED — Expanded Bronze · $452.20/mo @ 40
- Better Together HMO Bronze 6500 Ded/8750 MOOP HSA — Expanded Bronze · $463.82/mo @ 40
- QUARTZ ONE ACHIEVE W/UW HEALTH BRONZE STANDARD EASY PRICING — Expanded Bronze · $476.96/mo @ 40
- Better Together HMO Bronze No Medical Ded/10600 MOOP HSA — Expanded Bronze · $478.87/mo @ 40
- QUARTZ ONE ACHIEVE W/UW HEALTH BRONZE $0 MEDICAL DED — Expanded Bronze · $492.58/mo @ 40
- QUARTZ ONE ACHIEVE W/UW HEALTH BRONZE (DENTAL & VISION) STANDARD EASY PRICING — Expanded Bronze · $493.03/mo @ 40
- QUARTZ ONE ACHIEVE W/UW HEALTH BRONZE (DENTAL & VISION) $0 MEDICAL DED — Expanded Bronze · $509.17/mo @ 40
- Better Together HMO Gold 1500 Ded/8000 MOOP with Vision — Gold · $531.28/mo @ 40
- Better Together HMO Gold 2000 Ded/8200 MOOP — Gold · $550.23/mo @ 40
- Better Together HMO Gold 4000 Ded/4000 MOOP HSA — Gold · $553.57/mo @ 40
- Dean Focus Gold Share — Gold · $565.06/mo @ 40
- Dean Focus Gold Standard — Gold · $585.87/mo @ 40
- Dean Focus Gold HSA — Gold · $599.06/mo @ 40
- Dean Gold Share — Gold · $607.58/mo @ 40
- QUARTZ ONE ACHIEVE W/UW HEALTH GOLD $4,000 DED — Gold · $614.78/mo @ 40
- Dean Gold Standard — Gold · $629.96/mo @ 40
- QUARTZ ONE ACHIEVE W/UW HEALTH GOLD (DENTAL & VISION) $4,000 DED — Gold · $635.49/mo @ 40
- Dean Gold HSA — Gold · $644.14/mo @ 40
- QUARTZ ONE ACHIEVE W/UW HEALTH GOLD MAINTENANCE $700 DED — Gold · $655.93/mo @ 40
- QUARTZ ONE ACHIEVE W/UW HEALTH GOLD STANDARD EASY PRICING — Gold · $664.97/mo @ 40
- QUARTZ ONE ACHIEVE W/UW HEALTH GOLD MAINTENANCE (DENTAL & VISION) $700 DED — Gold · $678.02/mo @ 40
- QUARTZ ONE ACHIEVE W/UW HEALTH GOLD (DENTAL & VISION) STANDARD EASY PRICING — Gold · $687.37/mo @ 40
- Better Together HMO Platinum No Ded/3300 MOOP — Platinum · $608.22/mo @ 40
- Better Together HMO Platinum 750 Ded/2000 MOOP with Vision — Platinum · $628.85/mo @ 40
- Better Together HMO Platinum No Ded/5200 MOOP — Platinum · $668.99/mo @ 40
- Better Together HMO Silver 6000 Ded/8900 MOOP — Silver · $542.69/mo @ 40
- Better Together HMO Silver 5500 Ded/8500 MOOP with Vision — Silver · $547.95/mo @ 40
- Dean Focus Silver $0 Copay PCP Visits — Silver · $560.39/mo @ 40
- Dean Focus Silver Share — Silver · $572.96/mo @ 40
- Dean Focus Silver Standard — Silver · $586.25/mo @ 40
- Better Together HMO Silver 5975 Ded/5975 MOOP HSA — Silver · $595.83/mo @ 40
Showing first 40 of 49 plans on file.
Reviewed by Jason Burns, Editorial Steward.