What health insurance costs without a subsidy in Pepin County, Wisconsin (2026)
In Pepin County, Wisconsin, the benchmark silver plan costs $746.29/month for a 40-year-old in 2026 before any subsidy, with full-price premiums ranging from $574.28 to $1158.10. A 60-year-old pays at least $1219.55/month, a 21-year-old at least $449.37. 4 insurers offer 53 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 $449.37/mo
- Age 40 — starting at $574.28/mo
- Age 60 — starting at $1219.55/mo
Cost by metal level (age 40, 2026)
- Bronze — starting at $611.93/mo
- Silver — starting at $730.59/mo
- Gold — starting at $797.05/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
Anthem Blue Cross and Blue Shield, Medica, Quartz, Security Health Plan
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 Pepin County (FIPS 55091).
- 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 (53)
- Select $9,500 — Bronze · $611.93/mo @ 40
- Select Protection — Catastrophic · $574.28/mo @ 40
- QUARTZ ONE ACHIEVE W/GUNDERSEN CATASTROPHIC $10,600 DED — Catastrophic · $663.62/mo @ 40
- Engage by Medica Bronze Share — Expanded Bronze · $577.34/mo @ 40
- Select $7,500 — Expanded Bronze · $612.09/mo @ 40
- Engage by Medica Expanded Bronze Standard — Expanded Bronze · $626.99/mo @ 40
- QUARTZ ONE ACHIEVE W/GUNDERSEN BRONZE $10,150 DED — Expanded Bronze · $632.22/mo @ 40
- Engage by Medica Bronze HSA — Expanded Bronze · $641.29/mo @ 40
- Select $7,500 HDHP — Expanded Bronze · $643.73/mo @ 40
- QUARTZ ONE ACHIEVE W/GUNDERSEN BRONZE (DENTAL & VISION) $10,150 DED — Expanded Bronze · $653.52/mo @ 40
- QUARTZ ONE ACHIEVE W/GUNDERSEN BRONZE STANDARD EASY PRICING — Expanded Bronze · $689.29/mo @ 40
- QUARTZ ONE ACHIEVE W/GUNDERSEN BRONZE $0 MEDICAL DED — Expanded Bronze · $711.87/mo @ 40
- QUARTZ ONE ACHIEVE W/GUNDERSEN BRONZE (DENTAL & VISION) STANDARD EASY PRICING — Expanded Bronze · $712.51/mo @ 40
- QUARTZ ONE ACHIEVE W/GUNDERSEN BRONZE (DENTAL & VISION) $0 MEDICAL DED — Expanded Bronze · $735.85/mo @ 40
- Anthem Bronze Preferred/Broad 5000 (3 Free PCP Visits + $0 Select Drugs + Incentives) — Expanded Bronze · $748.18/mo @ 40
- Anthem Bronze Preferred/Broad HSA (+ Incentives) — Expanded Bronze · $756.49/mo @ 40
- Anthem Bronze Preferred/Broad Standard ($0 Virtual PCP + $0 Select Drugs + Incentives) — Expanded Bronze · $757.70/mo @ 40
- Premier $7,500 — Expanded Bronze · $775.28/mo @ 40
- Anthem Heart Healthy Bronze Preferred/Broad 0 Med Ded ($0 Virtual PCP+$0 Select Drugs+Incentives) — Expanded Bronze · $802.21/mo @ 40
- Premier $7,500 HDHP — Expanded Bronze · $815.35/mo @ 40
- Engage by Medica Gold $0 Copay PCP Visits — Gold · $797.05/mo @ 40
- Select $3,500 - 30% — Gold · $803.30/mo @ 40
- Engage by Medica Gold Share — Gold · $813.65/mo @ 40
- Engage by Medica Gold Standard — Gold · $823.10/mo @ 40
- Select $2,000 - 25% — Gold · $872.92/mo @ 40
- QUARTZ ONE ACHIEVE W/GUNDERSEN GOLD $4,000 DED — Gold · $888.47/mo @ 40
- QUARTZ ONE ACHIEVE W/GUNDERSEN GOLD (DENTAL & VISION) $4,000 DED — Gold · $918.40/mo @ 40
- QUARTZ ONE ACHIEVE W/GUNDERSEN GOLD MAINTENANCE $700 DED — Gold · $947.93/mo @ 40
- QUARTZ ONE ACHIEVE W/GUNDERSEN GOLD STANDARD EASY PRICING — Gold · $961.01/mo @ 40
- QUARTZ ONE ACHIEVE W/GUNDERSEN GOLD MAINTENANCE (DENTAL & VISION) $700 DED — Gold · $979.87/mo @ 40
- QUARTZ ONE ACHIEVE W/GUNDERSEN GOLD (DENTAL & VISION) STANDARD EASY PRICING — Gold · $993.38/mo @ 40
- Premier $3,500 - 30% — Gold · $1017.46/mo @ 40
- Premier $2,000 - 25% — Gold · $1105.64/mo @ 40
- Anthem Gold Preferred/Broad 1000 ($0 Virtual PCP + $0 Select Drugs + Incentives) — Gold · $1158.02/mo @ 40
- Anthem Gold Preferred/Broad Standard ($0 Virtual PCP + $0 Select Drugs + Incentives) — Gold · $1158.10/mo @ 40
- Select $6,000 - 40% — Silver · $730.59/mo @ 40
- Select $4,000 - 50% — Silver · $746.29/mo @ 40
- Select $5,000 HDHP — Silver · $791.43/mo @ 40
- Engage by Medica Silver $0 Copay PCP Visits — Silver · $798.61/mo @ 40
- Engage by Medica Silver Share — Silver · $816.20/mo @ 40
Showing first 40 of 53 plans on file.
Reviewed by Jason Burns, Editorial Steward.