Ranked 5 of 15 states · median $687/mo · CMS PY2026
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A 40-year-old real estate investor 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.
Work that crosses county and state lines makes network geography the binding constraint. A cheap HMO that only contracts in one metro is worthless 200 miles away, so these pages rank states by network reach and flag the ones with no PPO on the exchange at all.
Occupational context: Property-inspection fall and exposure risk.
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 real estate investor 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 |
|---|---|---|---|---|
| Oconto | $541 | CareSource (Common Ground Healthcare) | $5,000 | 4 |
| Menominee | $564 | HealthPartners | $3,800 | 3 |
| Juneau | $579 | Aspirus | $6,000 | 3 |
| Richland | $603 | Dean | $3,500 | 2 |
| Racine | $631 | Anthem Blue Cross and Blue Shield | $6,000 | 3 |
| La Crosse | $637 | Quartz | $8,000 | 3 |
The spread across just these six is $96/month — $1,153 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 real estate investor 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 real estate investor who moved this year, that move is a qualifying life event and opens a special enrollment period.
Deduction categories that generally fit this trade: Travel, property costs, legal and accounting fees. Note the ordering problem with health premiums: the §162(l) deduction lowers your AGI, and your AGI is what sets your premium tax credit, so the two calculate against each other. That is a CPA conversation and worth having before you enroll, not after.
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 Real Estate Investors in Wisconsin and a blog covering deductibles, subsidies and special enrollment.
The Wisconsin market currently runs to 12 carriers over 72 counties. Carriers re-file every year, and for Real Estate Investors the question that actually decides your renewal is which of them are still there in November.
On price the only honest number today is national: the Peterson-KFF read of 2027 filings puts the median proposed rise near 15%, spanning −1% to 54%. Final Wisconsin rates are not approved, so any precise 2027 figure quoted for this state is guesswork.
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 Real Estate Investors 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 Real Estate Investors 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.