HMO HDHP Silver 5900 — full price in Florence County, Wisconsin (2026)
HMO HDHP Silver 5900 (86584WI0010013), a silver plan from Aspirus Health Plan in Florence County, Wisconsin, costs $739.91/month full price for a 40-year-old in 2026 — $1571.29 at 60, with a $5,900 deductible and $5,900 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 86584WI0010013 · Issuer: Aspirus Health Plan · Last verified 2026-07-18 · Published by Private Health Insurance Direct Answers · Licensed under Citation License 1.0
Full-price premium by age (2026)
| Age | Monthly premium |
|---|---|
| 21 | $578.96 |
| 27 | $606.75 |
| 30 | $657.12 |
| 40 | $739.91 |
| 50 | $1034.02 |
| 60 | $1571.29 |
Deductibles & out-of-pocket max (2026)
- Individual deductible: $5,900
- Family deductible: $11,800
- Individual out-of-pocket max: $5,900
- Family out-of-pocket max: $11,800
Vs. county benchmark
The county benchmark silver premium for a 40-year-old is $584.31/mo. This plan is $739.91/mo at 40 — a difference of $155.60/mo.
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 — 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.
Other silver plans in Florence County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| NE WI Select $3,800 HSA Silver | HealthPartners | $563.70 |
| NE WI Select $3,150 Plus Silver | HealthPartners | $584.31 |
| NE WI Select $6,000 Standard Silver | HealthPartners | $593.69 |
| SimplyOne $6,000 - 40% | Security Health Plan | $632.58 |
| SimplyOne $4,000 - 50% | Security Health Plan | $646.17 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 86584WI0010013 in FIPS 55037.
- Summary of Benefits & Coverage (SBC)
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in Florence County
Reviewed by Jason Burns, Editorial Steward.