Ranked 5 of 15 states · median $687/mo · CMS PY2026
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A 40-year-old mortgage broker 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 counties covered, Wisconsin ranks 10 of 15 for this occupation.
Once your work crosses county and state lines, network geography stops being a detail and becomes the whole decision. An HMO contracted in one metro leaves you paying cash 200 miles down the road, and a handful of states filed no PPO at all for 2026. These rankings lead with reach.
Occupational context: Sedentary and high-stress cycles tied to rate swings.
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 mortgage broker 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 |
|---|---|---|---|---|
| Racine | $631 | Anthem Blue Cross and Blue Shield | $6,000 | 3 |
| La Crosse | $637 | Quartz | $8,000 | 3 |
| Vernon | $643 | Dean | $3,500 | 4 |
| Burnett | $673 | HealthPartners | $3,800 | 4 |
| Dunn | $731 | Security | $6,000 | 2 |
| Outagamie | $526 | Network Health | $6,000 | 3 |
The spread across just these six is $205/month — $2,459 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 — network reach | 2026 |
|---|---|
| Counties in the state | 72 |
| Counties with only one carrier | 1 (1%) |
| Plan types available | EPO, HMO, POS, PPO |
| PPO available on exchange | Yes |
| Carriers filing in the state | 12 |
| Cheapest Silver @40 | $526 — Calumet |
Wisconsin has PPO plans available. For a mortgage broker covering distance, that single fact outweighs premium: 1 of 72 counties here are served by one carrier, so an HMO bought in one metro may leave you out of network for the rest of your route.
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 mortgage broker who moved this year, that move is a qualifying life event and opens a special enrollment period.
Self-employed Mortgage Brokers in Wisconsin typically deduct: Licensing, CRM, E&O insurance, lead costs. 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. 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.
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 17 of the 21 states reported and below it in the other 4, so the answer changes with the state.
What this figure is. It is the median annual wage BLS reports for Loan Officers (SOC 13-2072) 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 mortgage broker. 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 Mortgage Brokers in Wisconsin and a blog covering deductibles, subsidies and special enrollment.
Wisconsin has 12 carriers filing across 72 counties right now. That list is rebuilt every year, so what you can choose from in November may not match what you see today — and for a mortgage broker buying your own cover, who stays matters more than the headline rate.
Rate filings for 2027 point to roughly a 15% median increase nationally, from −1% at one end to 54% at the other. Wisconsin has not finalised, so treat exact local 2027 pricing as unavailable rather than unknown.
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 Mortgage Brokers 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:
Most Mortgage Brokers here are buying their own coverage without an employer. One ZIP is all I need to show you what is available in your part of Wisconsin.