2026 Health Insurance Rates in Madison
The table below shows estimated monthly premiums for a 40-year-old non-smoker in Madison before ACA subsidies. Your actual cost depends on age, household size, and income.
| Metal Tier | Est. Premium (age 40) | After Avg. Subsidy | Deductible | Best For |
|---|---|---|---|---|
| Bronze | $287/mo | ~$148/mo | $7,000–$9,000 | Healthy, low-use individuals |
| Silver | $398/mo | ~$259/mo | $4,200–$5,200 | Most families (best subsidy value) |
| Gold | $478/mo | ~$339/mo | $1,500–$3,000 | Frequent medical users |
| Platinum | $557/mo | ~$418/mo | $0–$500 | High medical needs |
*Rates are estimates for a 40-year-old non-smoker. Actual premiums vary by zip code, age, and tobacco status. Use our subsidy calculator for a personalized estimate.
Open Enrollment 2027 in Madison
Open enrollment for 2027 coverage runs November 1, 2026 – January 15, 2027. Outside that window, Madison residents need a qualifying life event to buy or switch a marketplace plan.
| 2027 Open Enrollment | Date |
|---|---|
| Open Enrollment opens | November 1, 2026 |
| Last day to enroll for coverage starting January 1 | December 15, 2026 |
| Open Enrollment closes (coverage starts February 1) | January 15, 2027 |
Most Madison residents live in Dane County, where plan choices and prices are set by county and ZIP code. Wisconsin uses the federal marketplace, HealthCare.gov. A 2025 rule that would have ended enrollment on December 15 was struck down — here is why the deadline is January 15.
What changes for Madison enrollees in 2027
- Smaller credits, and a cliff at 400%. With the enhanced credits gone, a single adult in Madison earning $35,000 is expected to pay about $219/mo toward the benchmark Silver plan in 2027 (credit $179/mo). Earn over $63,840 and there is no credit at all, so at today's $398 benchmark you would pay full price — see what else changed.
- Compare before you renew. If you do nothing you are usually re-enrolled, but Common Ground Healthcare and other Madison carriers can change premiums, networks and drug lists for 2027. Shop again before December 15, and update your 2027 income estimate so you are not repaying credit at tax time.
- Medicaid: Wisconsin has not adopted the ACA Medicaid expansion, but BadgerCare Plus covers adults with income up to 100% of the poverty level (about $15,960 for a single adult); above that, marketplace tax credits apply.
Before you pick a Madison plan
- Carriers: companies that have sold marketplace plans in Madison include Common Ground Healthcare, Quartz and UnitedHealthcare; the 2027 lineup is confirmed when plans post on November 1.
- Total yearly cost: add 12 months of premium to the deductible and copays you expect — use our printable comparison worksheet.
Free help enrolling in Madison
A licensed TrustedQuotes agent can compare every Madison plan, check your doctors and prescriptions, and estimate your 2027 credit at no cost to you — call (954) 805-7882. If you prefer, free in-person help near you is listed at HealthCare.gov's Find Local Help.
More for Wisconsin: Wisconsin Open Enrollment 2027 Wisconsin marketplace plans 2027 Open Enrollment guide Health insurance in Milwaukee Health insurance in Green Bay
Top Health Insurance Companies in Madison
These carriers offer ACA marketplace plans in the Madison area for 2026. Network size and plan availability vary by zip code. The 2027 lineup is confirmed when plans post on November 1.
| Carrier | Best For | Network Type | Rating |
|---|---|---|---|
| Common Ground Healthcare | Broad network access | PPO / HMO options | ⭐ 4.5/5 |
| Quartz | Low premiums | HMO | ⭐ 4.2/5 |
| UnitedHealthcare | Digital-first experience | EPO / HMO | ⭐ 4.0/5 |
Not sure which carrier to choose? See our full Wisconsin carrier comparison →
2027 ACA Subsidies for Madison Residents
If your household income is between 100% and 400% of the Federal Poverty Level (FPL), you qualify for an Advanced Premium Tax Credit (APTC) that reduces your monthly premium. Here's what that looks like for a single adult in Madison:
| Single adult income | % of poverty level | Your 2027 share | Est. tax credit | Benchmark Silver after credit |
|---|---|---|---|---|
| $25,000 | 157% | 4.63% of income ($96/mo) | $302/mo | $96/mo |
| $35,000 | 219% | 7.51% of income ($219/mo) | $179/mo | $219/mo |
| $45,000 | 282% | 9.66% of income ($362/mo) | $36/mo | $362/mo |
| $55,000 | 345% | 10.22% of income ($468/mo) | $0/mo | $398/mo |
| $65,000 | 407% | No credit above 400% | $0 | $398/mo |
Uses this page's current Silver estimate ($398/mo, age 40) and the IRS 2027 contribution percentages (Rev. Proc. 2026-26). The enhanced credits that made $0 Silver plans common expired after 2025.
Use our ACA Subsidy Calculator to get a personalized estimate based on your exact income and household size.
How to Get Health Insurance in Madison
- Check your subsidy eligibility — Use our calculator to estimate your savings
- Get a free quote — Compare all available Madison plans side by side
- Review your options — A licensed broker reviews your quote and answers questions
- Enroll — Apply online in minutes during Open Enrollment (Nov 1, 2026 – Jan 15, 2027) or if you have a Special Enrollment Period
Questions about SEPs or missing open enrollment? Learn about enrolling outside open enrollment →
Frequently Asked Questions
When is open enrollment in Madison for 2027?
For 2027 coverage, open enrollment runs November 1, 2026 through January 15, 2027. Enroll by December 15, 2026 for coverage that starts January 1; sign-ups after that start February 1.
Where do Madison residents sign up for 2027 health insurance?
Wisconsin uses HealthCare.gov. Madison residents can enroll there directly or through a licensed broker such as TrustedQuotes, who sees the same plans and prices at no extra cost.
Can I still get a subsidy in Madison in 2027?
Yes, if your household income is between 100% and 400% of the poverty level — up to $63,840 for a single adult. The extra subsidies that removed the 400% cap expired after 2025, so above that line there is generally no premium tax credit.
What is the cheapest health insurance in Madison?
Bronze plans start around $287/month for a 40-year-old before subsidies. With an ACA subsidy, many Madison residents pay $0–$115/month for a Bronze plan depending on income.
Do I need a Wisconsin health insurance broker?
You can enroll directly on HealthCare.gov, but a licensed broker is free to use and can help you compare all available plans, verify your subsidy, and ensure you pick the right network for your doctors.
When can I sign up for health insurance in Madison?
For 2027 coverage, Open Enrollment runs November 1, 2026 – January 15, 2027; enroll by December 15 for coverage starting January 1. Outside that window, you need a qualifying life event (job loss, marriage, baby, moving) to trigger a Special Enrollment Period. See 2027 Open Enrollment dates →
What if I miss Open Enrollment in Madison?
If you miss Open Enrollment without a qualifying event, you may be able to get short-term health insurance as a temporary bridge. Contact us to explore your options.
Explore More Wisconsin Resources
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