Ranked 5 of 15 states · median $687/mo · CMS PY2026
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A 40-year-old roofer 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 highest out-of-pocket maximum, Wisconsin ranks 15 of 15 for this occupation.
Trade work concentrates cost into rare, expensive events rather than spreading it across the year. That inverts the usual shopping logic: a lower premium with a $9,200 ceiling is a worse deal than a higher premium with a $6,000 one, because the ceiling is what you actually hit. These rankings follow the ceiling.
Occupational context: One of the highest fall-fatality rates of any US trade; heat illness.
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 roofer 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 roofer 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 |
|---|---|---|---|---|
| Rock | $543 | MercyCare | $6,000 | 2 |
| Ozaukee | $575 | CareSource (Common Ground Healthcare) | $5,000 | 4 |
| Pierce | $602 | HealthPartners | $3,800 | 3 |
| Marathon | $623 | Aspirus | $6,000 | 4 |
| Oneida | $633 | Security | $6,000 | 2 |
| Crawford | $643 | Dean | $3,500 | 4 |
The spread across just these six is $100/month — $1,204 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 — worst-case exposure | 2026 |
|---|---|
| Lowest annual out-of-pocket maximum | $2,000 |
| Highest annual out-of-pocket maximum | $10,600 |
| Cheapest Gold plan @40 | $531 — Group Health Cooperative-SCW |
| Gold deductible | $1,500 |
| Cheapest Silver @40 | $526 — Network Health |
| Cheapest Silver @50 | $735 |
For a roofer, the gap between $2,000 and $10,600 in annual out-of-pocket maximum is worth more than any premium difference on this page. One serious injury reaches that ceiling regardless of which plan you picked.
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 roofer 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 Roofers in Wisconsin typically deduct: Tools, truck, fall-protection gear, liability insurance. 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 roofer 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.
Below the cliff. At this income a single-person household remains eligible for a premium tax credit in 2026.
This occupation sits above the cliff in 1 of the 21 states reported and below it in the other 20, so the answer changes with the state.
What this figure is. It is the median annual wage BLS reports for Roofers (SOC 47-2181) 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 roofer. 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 Roofers 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 Roofers the question that actually decides your renewal is which of them are still there in November.
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.
The window opens November 1, 2026, and December 15 is the date worth writing down — it is what secures January 1 cover in Wisconsin and everywhere else. You will find later dates quoted; they stem from a 2025 rule that was vacated in June 2026 and is under appeal.
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 Roofers 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 Roofers 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.