Ranked 5 of 15 states · median $687/mo · CMS PY2026
Prefer to talk? Call (713) 575-9904
Licensed Independent Agent · NPN #22052447 · 23 States
A 40-year-old marketing consultant 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.
Screen-based work skews younger and healthier, which is exactly the profile a high-deductible plan is built for. The risk is real — you carry the first several thousand dollars yourself — so the tables below show what a healthy buyer pays across the age curve, not just at 40.
Occupational context: Sedentary and screen-related strain.
None of that changes your price. ACA plans in Wisconsin are community rated — premium varies by age, ZIP code, tobacco use and household size only. Your occupation cannot be used to rate you, decline you, or exclude a condition. What it changes is which plan design is the right bet.
Premium is set by rating area, so a marketing consultant 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 |
|---|---|---|---|---|
| Vilas | $633 | Security | $6,000 | 2 |
| Grant | $643 | Dean | $3,500 | 2 |
| Clark | $673 | Security | $6,000 | 4 |
| Iron | $687 | Security | $6,000 | 2 |
| Ashland | $774 | Security | $6,000 | 3 |
| Brown | $541 | CareSource (Common Ground Healthcare) | $5,000 | 5 |
The spread across just these six is $233/month — $2,795 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 marketing consultant 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
Read the comparison as context, not as a shopping list. Your county of residence determines what you can buy, and for a marketing consultant that is fixed unless you relocate. Where it is actionable is a move already in progress — that is a qualifying life event, and you have 60 days on either side of it.
Self-employed Marketing Consultants in Wisconsin typically deduct: Software, advertising tests, home office, travel. Health premiums sit separately, above the line under IRC §162(l), and only when neither you nor a spouse could have joined an employer plan — eligibility disqualifies you even if you declined the coverage.
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. Wisconsin exchange plans are guaranteed issue and community rated, so a marketing consultant pays exactly what anyone else of the same age in the same ZIP pays. Occupation is not on the application as a rating factor.
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.
Above the cliff. At this income a single-person household receives no premium tax credit for 2026 and pays the full premium.
This occupation sits above the cliff in 15 of the 21 states reported and below it in the other 6, so the answer changes with the state.
What this figure is. It is the median annual wage BLS reports for Market Research Analysts and Marketing Specialists (SOC 13-1161) in Wisconsin. BLS surveys wage and salary workers and excludes the self-employed, so it is a benchmark for the occupation in this state — not the income of a self-employed marketing consultant. Premium tax credit eligibility is set by household modified adjusted gross income and household size, not by occupation, so treat this as a reference point rather than a determination of what you qualify for.
Why the cliff is back. The enhanced premium tax credits expired on 31 December 2025. For plan year 2026 the 400% FPL limit applies again, so household income above $62,600 ends premium tax credit eligibility outright.
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 Marketing Consultants in Wisconsin and a blog covering deductibles, subsidies and special enrollment.
Right now 12 carriers file plans across the 72 counties of Wisconsin. Participation is reset annually, which is why Marketing Consultants should check the roster in November rather than assume this year’s options carry over.
Nobody can tell you your 2027 Wisconsin premium yet. Filings nationally cluster around a 15% median increase, with the full spread running −1% to 54% — and until this state signs off, a specific local number is invention.
Mark November 1, 2026 to open and December 15 to act. That second date guarantees cover from January 1 in Wisconsin regardless of how the current litigation over the enrollment window resolves.
Check before renewing: PPOs are sold in 15 of Wisconsin’s 72 counties, not all. Whether yours has one decides how much out-of-network care is covered — usually a bigger question for Marketing Consultants than the monthly figure.
Nothing about 2027 is urgent yet, which is exactly why it is worth ten minutes now. Come November you will be choosing between Wisconsin’s carriers under a deadline; today you can do it without one.
Give me a ZIP and I will tell you three things:
Rates for Marketing Consultants in Wisconsin are set by county, not by occupation. Start with your ZIP and I will show you the plans actually filed where you live.