Ranked 5 of 15 states · median $687/mo · CMS PY2026
Licensed Independent Agent · NPN #22052447 · 21 States
A 40-year-old nurse practitioner 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 median Silver premium, Wisconsin ranks 5 of 15 for this occupation.
When you use coverage regularly, the annual total is driven by what each visit costs and whether the clinician you already see is contracted. A plan $40 cheaper that drops your specialist is not cheaper. These rankings pair median premium with how many carriers actually file in the state.
Occupational context: Needlestick and infectious exposure; standing strain.
Two things get confused here constantly. Risk exposure decides what coverage you should buy. It does not decide what you are charged — Wisconsin carriers rate on age, ZIP, tobacco and family size, full stop. A nurse practitioner with a bad back and a healthy 40-year-old office worker in the same county see the same number.
Premium is set by rating area, so a nurse practitioner 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 |
|---|---|---|---|---|
| Marathon | $623 | Aspirus | $6,000 | 4 |
| Oneida | $633 | Security | $6,000 | 2 |
| Crawford | $643 | Dean | $3,500 | 4 |
| Washburn | $656 | Medica | $3,500 | 3 |
| Monroe | $683 | Medica | $3,500 | 3 |
| Rusk | $731 | Security | $6,000 | 3 |
The spread across just these six is $107/month — $1,288 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 and cost | 2026 |
|---|---|
| Median Silver premium @40 | $687 |
| Cheapest Silver @40 | $526 — Network Health (Calumet) |
| Most expensive Silver @40 | $1,062 |
| Carriers filing in the state | 12 — Anthem Blue Cross and Blue Shield, Aspirus, CareSource (Common Ground Healthcare), Dean |
| Plan types available | EPO, HMO, POS, PPO |
| Counties with only one carrier | 1 of 72 |
Wisconsin has 12 carriers filing and 1 of 72 counties served by a single issuer. For a nurse practitioner with an established provider relationship, that carrier count is the number that decides whether you keep your doctor.
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 nurse practitioner who moved this year, that move is a qualifying life event and opens a special enrollment period.
Self-employed Nurse Practitioners in Wisconsin typically deduct: Malpractice insurance, licensing, DEA registration, CE. 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.
It cannot happen on an exchange plan. Rating in Wisconsin uses four inputs only: age, ZIP code, tobacco use and how many people are on the policy. Trade, injury history and pre-existing conditions are all excluded from pricing by law.
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 Nurse Practitioners in Wisconsin and a blog covering deductibles, subsidies and special enrollment.