Head-to-head, from CMS Plan Year 2026 data.
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Alabama is the cheaper of the two: a 40-year-old pays about $680/month for the median Silver plan, versus $687 — a difference of $7/month (1%) before subsidies.
| Alabama | Wisconsin | |
|---|---|---|
| Median Silver @40 | $680 | $687 |
| Cheapest Silver @40 | $583 | $526 |
| Most expensive county @40 | $1,124 | $1,062 |
| Age 27 | $478 | $431 |
| Age 60 | $1,238 | $1,116 |
| Carriers | 4 | 12 |
| Counties | 67 | 72 |
| 1-carrier counties | 7 | 1 |
| Plan types | EPO, PPO | EPO, HMO, POS, PPO |
Source: CMS Plan Year 2026 Qualified Health Plan Landscape. Full-price filed rates before premium tax credits; not a quote or an offer of coverage.
This page sets two states against each other. For county-by-county carriers, plan data and help actually enrolling, I publish a page for each state on Coverage by County: Alabama or Wisconsin. There is also a blog covering deductibles, subsidies and special enrollment periods.
Put your ZIP code in and I will show you the carriers filing in your county, what the cheapest plan costs, and what you would actually pay after any help you qualify for. No cost, and you talk to me — not a call center.
Moving permanently from Alabama to Wisconsin is a qualifying life event, so you get a 60-day special enrollment window counted from the move date — time enough to work through the 12 carriers filing in Wisconsin without waiting for open enrollment. Two conditions trip people up: you generally need to have held qualifying coverage for at least one day in the 60 days before the move, and relocating purely for treatment or a holiday will not qualify.
Coverage does not port across the state line. Ending in Alabama and starting in Wisconsin is two separate transactions, and the plan you end up with in Wisconsin is priced on its own county, not on what you paid before.
Of the 4 carriers in Alabama and 12 in Wisconsin, UnitedHealthcare appears in both. That overlap is worth knowing if continuity of insurer matters to you, though the plan itself is new either way.
Availability is uneven — 67 of 67 counties in Alabama, 15 of 72 in Wisconsin sell a PPO. That makes the county you land in, not the state you pick, the thing that decides whether out-of-network care is covered.
You cannot carry one plan in Alabama and a second in Wisconsin. Eligibility follows primary residence, the address on your return, and everything received in the other state is normally out of network.
Neither Alabama nor Wisconsin has one price. Give me a ZIP and I will pull the plans in that county and work out what help you qualify for.