What health insurance costs without a subsidy in Rock County, Wisconsin (2026)
In Rock County, Wisconsin, the benchmark silver plan costs $546.34/month for a 40-year-old in 2026 before any subsidy, with full-price premiums ranging from $357.06 to $651.97. A 60-year-old pays at least $758.26/month, a 21-year-old at least $279.39. 2 insurers offer 24 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 $279.39/mo
- Age 40 — starting at $357.06/mo
- Age 60 — starting at $758.26/mo
Cost by metal level (age 40, 2026)
- Bronze — starting at $388.05/mo
- Silver — starting at $543.07/mo
- Gold — starting at $556.24/mo
Deductibles & out-of-pocket (2026)
- Deductibles range from $2,000 to $10,000
- Highest out-of-pocket maximum on file: $10,600
Who sells plans here
Dean Health Plan, MercyCare Health Plans
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.
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Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — county-level premiums, deductibles, out-of-pocket maximums, and issuer/plan counts for Rock County (FIPS 55105).
- 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 (24)
- MercyCare Bronze 10,000 (1 Free PCP Visit) — Bronze · $388.05/mo @ 40
- Dean Focus Bronze Share — Expanded Bronze · $357.06/mo @ 40
- Dean Bronze Share — Expanded Bronze · $383.93/mo @ 40
- Dean Focus Bronze $0 Copay PCP Visits — Expanded Bronze · $392.55/mo @ 40
- Dean Focus Expanded Bronze Standard — Expanded Bronze · $420.02/mo @ 40
- MercyCare Bronze Standard Expanded — Expanded Bronze · $421.82/mo @ 40
- Dean Bronze $0 Copay PCP Visits — Expanded Bronze · $422.09/mo @ 40
- Dean Expanded Bronze Standard — Expanded Bronze · $451.63/mo @ 40
- MercyCare Gold Standard — Gold · $556.24/mo @ 40
- Dean Focus Gold Share — Gold · $571.93/mo @ 40
- Dean Focus Gold Standard — Gold · $592.99/mo @ 40
- Dean Focus Gold HSA — Gold · $606.34/mo @ 40
- Dean Gold Share — Gold · $614.96/mo @ 40
- Dean Gold Standard — Gold · $637.62/mo @ 40
- Dean Gold HSA — Gold · $651.97/mo @ 40
- MercyCare Silver Standard — Silver · $543.07/mo @ 40
- MercyCare Silver 2,500 (3 Free PCP Visits) — Silver · $546.34/mo @ 40
- MercyCare Silver Health Savings — Silver · $550.77/mo @ 40
- Dean Focus Silver $0 Copay PCP Visits — Silver · $567.20/mo @ 40
- Dean Focus Silver Share — Silver · $579.92/mo @ 40
- Dean Focus Silver Standard — Silver · $593.38/mo @ 40
- Dean Silver $0 Copay PCP Visits — Silver · $609.88/mo @ 40
- Dean Silver Share — Silver · $623.56/mo @ 40
- Dean Silver Standard — Silver · $638.03/mo @ 40
Reviewed by Jason Burns, Editorial Steward.