Ranked 5 of 15 states · median $687/mo · CMS PY2026
Licensed Independent Agent · NPN #22052447 · 21 States
A 40-year-old attorney in Wisconsin pays a median $687/month for a Silver plan before subsidies — 5th of 15 on cost. The cheapest plan in the state is $526 from Network Health in Calumet. On cheapest Silver at age 27, Wisconsin ranks 6 of 15 for this occupation.
Desk-based work usually means low claim volume and a younger buyer, which makes a high-deductible plan paired with an HSA the mathematically better bet in most years. These pages rank states by what a healthy buyer actually pays at ages 27 and 40.
Occupational context: High stress load; sedentary cardiovascular risk.
Worth being clear about what this does and does not affect: a carrier in Wisconsin cannot ask what you do for a living, cannot charge a attorney more than a librarian of the same age in the same ZIP, and cannot exclude anything you were already treated for. Occupation only tells you which plan structure to shop for.
Premium is set by rating area, so a attorney in one Wisconsin county can pay materially more than one an hour away. Six counties from across the state, cheapest Silver plan for a 40-year-old:
| County | Cheapest Silver @40 | Issuer | Deductible | Carriers |
|---|---|---|---|---|
| Manitowoc | $541 | CareSource (Common Ground Healthcare) | $5,000 | 3 |
| Sauk | $560 | Dean | $3,500 | 4 |
| Waukesha | $575 | CareSource (Common Ground Healthcare) | $5,000 | 5 |
| Saint Croix | $602 | HealthPartners | $3,800 | 3 |
| Wood | $623 | Aspirus | $6,000 | 3 |
| Dodge | $633 | Dean | $3,500 | 4 |
The spread across just these six is $92/month — $1,104 a year for the same metal tier. Statewide the range runs $526 to $1,062. Coverage by County publishes all 72 Wisconsin counties individually.
| Wisconsin — the age curve | 2026 |
|---|---|
| Cheapest Silver @27 | $431 |
| Cheapest Silver @40 | $526 |
| Cheapest Silver @60 | $1,116 |
| Cheapest Bronze @40 | $388 — MercyCare |
| Bronze deductible | $10,000 |
| Lowest deductible in state | $700 |
A 27-year-old attorney in Wisconsin starts at $431; the same plan class at 60 starts at $1,116 — roughly 2.6× as much. If a Bronze plan here is HSA-qualified, the deduction plus low claim volume usually beats Silver on total annual cost. Confirm HSA eligibility on the plan document, not the metal tier.
Source: CMS Plan Year 2026 Qualified Health Plan Landscape file. 2,651 plan records across 72 Wisconsin counties. Full-price filed rates before premium tax credits — verify at enrollment.
Cheaper for the same coverage: Ohio ($625), South Carolina ($636), Alabama ($680). More expensive: Michigan ($708), South Dakota ($725), Oklahoma ($731).
Side-by-side: Wisconsin vs South Carolina · Wisconsin vs Alabama · Wisconsin vs Michigan · Wisconsin vs South Dakota
This only matters if you can actually choose — you buy in the state where you live, not where you work. If you are a attorney who moved this year, that move is a qualifying life event and opens a special enrollment period.
Expense categories that typically apply to this trade: Bar dues, malpractice insurance, research databases, CLE. Premiums are generally deductible above the line under IRC §162(l) when no employer plan is available to you or your spouse — a question for your CPA, not your agent.
If your household income is above the subsidy range, ACA is not automatically the answer. There are other categories of coverage that may fit, and they work very differently. That is a conversation, not a web page.
The cheapest Silver plan for a 40-year-old in Wisconsin is $526 per month from Network Health, with a state median of $687. Both figures are full price before premium tax credits; most buyers pay less after subsidies.
No. Under the ACA, carriers cannot rate, decline, or exclude based on occupation or health history. Rates vary only by age, ZIP code, tobacco use and household size.
Yes. Plan types filed for 2026: EPO, HMO, POS, PPO.
Wisconsin ranks 5 of 15 states covered here, at a median $687 per month. Indiana is cheapest at $558 and Nebraska is most expensive at $875.
This page compares states. For Wisconsin specifically — county-by-county carriers, plan data and enrollment help — I publish that on Coverage by County, including a page written for Attorneys in Wisconsin and a blog covering deductibles, subsidies and special enrollment.