Health insurance prices in La Crosse County, WI (2026)
37 marketplace plans from 3 insurers. Cheapest plan $457/mo; typical Silver $679/mo. Official marketplace: HealthCare.gov (enter your ZIP for your real price and tax credit).
Plan year 2026 prices; 2027 prices will be added as soon as CMS publishes them. Monthly premium for one 40-year-old, before any tax credit (subsidy). Rating Area 6.
Tick 2 to 4 options anywhere on this page (an insurer's cheapest plan, any plan in the full list, or a health sharing program) and press Compare. You can mix insurance and health sharing, and share the link.
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Individual & family health insurance (marketplace / ACA plans)
Real insurance plans you buy yourself (not through a job), sold by companies like UnitedHealthcare, Blue Cross Blue Shield, Ambetter (Centene), Oscar, Cigna, Molina and Anthem through HealthCare.gov or your state's marketplace.
Looking for Aetna? Aetna CVS Health left the ACA marketplace for 2026 (it sold plans in 17 states in 2025). Source: KFF
All plans here: Bronze $457–$777 (typical $532) · Silver $637–$977 (typical $679) · Gold $642–$1,122 (typical $696) · Catastrophic $480–$480 (typical $480)
Insurers, sorted by typical Silver price
Every marketplace insurer must sell Silver and Gold plans; Bronze is optional, so Silver is the fair comparison. Typical = median monthly premium, age 40.
| Comparecheapest plan | Insurer | Plans | Cheapest plan | Typical Bronze | Typical Silver | Typical Gold | Cheapest plan name |
|---|---|---|---|---|---|---|---|
| Quartz | 19 | $457 | $506 | $656 | $690 | QUARTZ GUNDERSEN PERFORMANCE BRONZE $10,150 DED | |
| Medica | 9 | $494 | $537 | $699 | $696 | Engage by Medica Bronze Share | |
| Anthem Blue Cross Blue Shield (WI)Elevance Health (Blue Cross Blue Shield company) | 9 | $725 | $734 | $977 | $1,122 | Anthem Bronze Preferred/Broad 5000 (3 Free PCP Visits + $0 Select Drugs + Incentives) |
All 37 plans in La Crosse County, cheapest first
| Compare | Insurer | Plan | Metal | Network | Monthly | Deductible | Out-of-pocket max | Bad year |
|---|---|---|---|---|---|---|---|---|
| Quartz | QUARTZ GUNDERSEN PERFORMANCE BRONZE $10,150 DED | Expanded Bronze | HMO | $457 | $10,150 | $10,600 | $16,082 | |
| Quartz | QUARTZ GUNDERSEN PERFORMANCE BRONZE (DENTAL & VISION) $10,150 DED | Expanded Bronze | HMO | $472 | $10,150 | $10,600 | $16,267 | |
| Quartz | QUARTZ GUNDERSEN PERFORMANCE CATASTROPHIC $10,600 DED | Catastrophic | HMO | $480 | $10,600 | $10,600 | $16,354 | |
| Medica | Engage by Medica Bronze Share | Expanded Bronze | EPO | $494 | $8,000 | $10,600 | $16,529 | |
| Quartz | QUARTZ GUNDERSEN PERFORMANCE BRONZE STANDARD EASY PRICING | Expanded Bronze | HMO | $498 | $7,500 | $10,000 | $15,977 | |
| Quartz | QUARTZ GUNDERSEN PERFORMANCE BRONZE $0 MEDICAL DED | Expanded Bronze | HMO | $514 | $0 | $10,400 | $16,573 | |
| Quartz | QUARTZ GUNDERSEN PERFORMANCE BRONZE (DENTAL & VISION) STANDARD EASY PRICING | Expanded Bronze | HMO | $515 | $7,500 | $10,000 | $16,178 | |
| Quartz | QUARTZ GUNDERSEN PERFORMANCE BRONZE (DENTAL & VISION) $0 MEDICAL DED | Expanded Bronze | HMO | $532 | $0 | $10,400 | $16,781 | |
| Medica | Engage by Medica Expanded Bronze Standard | Expanded Bronze | EPO | $537 | $7,500 | $10,000 | $16,439 | |
| Medica | Engage by Medica Bronze HSA | Expanded Bronze | EPO | $549 | $7,500 | $8,500 | $15,086 | |
| Quartz | QUARTZ GUNDERSEN PERFORMANCE SILVER $8,000 DED | Silver | HMO | $637 | $8,000 | $9,900 | $17,546 | |
| Quartz | QUARTZ GUNDERSEN PERFORMANCE SILVER $9,000 DED | Silver | HMO | $638 | $9,000 | $10,250 | $17,911 | |
| Quartz | QUARTZ GUNDERSEN PERFORMANCE GOLD $4,000 DED | Gold | HMO | $642 | $4,000 | $8,000 | $15,704 | |
| Quartz | QUARTZ GUNDERSEN PERFORMANCE SILVER STANDARD EASY PRICING | Silver | HMO | $653 | $6,000 | $8,900 | $16,740 | |
| Quartz | QUARTZ GUNDERSEN PERFORMANCE SILVER (DENTAL & VISION) $8,000 DED | Silver | HMO | $659 | $8,000 | $9,900 | $17,803 | |
| Quartz | QUARTZ GUNDERSEN PERFORMANCE SILVER (DENTAL & VISION) $9,000 DED | Silver | HMO | $660 | $9,000 | $10,250 | $18,169 | |
| Quartz | QUARTZ GUNDERSEN PERFORMANCE GOLD (DENTAL & VISION) $4,000 DED | Gold | HMO | $664 | $4,000 | $8,000 | $15,964 | |
| Quartz | QUARTZ GUNDERSEN PERFORMANCE SILVER (DENTAL & VISION) STANDARD EASY PRICING | Silver | HMO | $675 | $6,000 | $8,900 | $17,004 | |
| Medica | Engage by Medica Gold $0 Copay PCP Visits | Gold | EPO | $682 | $1,500 | $8,800 | $16,985 | |
| Medica | Engage by Medica Silver $0 Copay PCP Visits | Silver | EPO | $683 | $3,500 | $10,450 | $18,652 | |
| Quartz | QUARTZ GUNDERSEN PERFORMANCE GOLD MAINTENANCE $700 DED | Gold | HMO | $685 | $700 | $9,300 | $17,520 | |
| Quartz | QUARTZ GUNDERSEN PERFORMANCE GOLD STANDARD EASY PRICING | Gold | HMO | $694 | $2,000 | $8,200 | $16,533 | |
| Medica | Engage by Medica Gold Share | Gold | EPO | $696 | $2,500 | $5,900 | $14,256 | |
| Medica | Engage by Medica Silver Share | Silver | EPO | $699 | $3,525 | $8,850 | $17,232 | |
| Medica | Engage by Medica Silver Standard | Silver | EPO | $700 | $6,000 | $8,900 | $17,303 | |
| Medica | Engage by Medica Gold Standard | Gold | EPO | $704 | $2,000 | $8,200 | $16,653 | |
| Quartz | QUARTZ GUNDERSEN PERFORMANCE GOLD MAINTENANCE (DENTAL & VISION) $700 DED | Gold | HMO | $708 | $700 | $9,300 | $17,797 | |
| Quartz | QUARTZ GUNDERSEN PERFORMANCE GOLD (DENTAL & VISION) STANDARD EASY PRICING | Gold | HMO | $718 | $2,000 | $8,200 | $16,814 | |
| Anthem Blue Cross Blue Shield (WI) | Anthem Bronze Preferred/Broad 5000 (3 Free PCP Visits + $0 Select Drugs + Incentives) | Expanded Bronze | POS | $725 | $5,000 | $10,600 | $19,299 | |
| Anthem Blue Cross Blue Shield (WI) | Anthem Bronze Preferred/Broad HSA (+ Incentives) | Expanded Bronze | POS | $733 | $8,450 | $8,450 | $17,246 | |
| Anthem Blue Cross Blue Shield (WI) | Anthem Bronze Preferred/Broad Standard ($0 Virtual PCP + $0 Select Drugs + Incentives) | Expanded Bronze | POS | $734 | $7,500 | $10,000 | $18,810 | |
| Anthem Blue Cross Blue Shield (WI) | Anthem Heart Healthy Bronze Preferred/Broad 0 Med Ded ($0 Virtual PCP+$0 Select Drugs+Incentives) | Expanded Bronze | POS | $777 | $0 | $10,600 | $19,927 | |
| Anthem Blue Cross Blue Shield (WI) | Anthem Silver Preferred/Broad Standard ($0 Virtual PCP + $0 Select Drugs + Incentives) | Silver | POS | $977 | $6,000 | $8,900 | $20,620 | |
| Anthem Blue Cross Blue Shield (WI) | Anthem Silver Preferred/Broad 4000 ($0 PCP Visits + $0 Select Drugs + Incentives) | Silver | POS | $977 | $4,000 | $9,400 | $21,123 | |
| Anthem Blue Cross Blue Shield (WI) | Anthem Silver Preferred/Broad 5500 ($0 Virtual PCP + $0 Select Drugs + Incentives) | Silver | POS | $977 | $5,500 | $9,200 | $20,929 | |
| Anthem Blue Cross Blue Shield (WI) | Anthem Gold Preferred/Broad 1000 ($0 Virtual PCP + $0 Select Drugs + Incentives) | Gold | POS | $1,122 | $1,000 | $7,200 | $20,664 | |
| Anthem Blue Cross Blue Shield (WI) | Anthem Gold Preferred/Broad Standard ($0 Virtual PCP + $0 Select Drugs + Incentives) | Gold | POS | $1,122 | $2,000 | $8,200 | $21,665 |
Deductibles and a bad year, by metal level
| Metal | Lowest | Typical* | Highest | Plans | Typical deductible | Typical out-of-pocket max | Typical bad year** |
|---|---|---|---|---|---|---|---|
| Bronze | $457 | $532 | $777 | 13 | $7,500 | $10,400 | $16,529 |
| Silver | $637 | $679 | $977 | 12 | $6,000 | $9,300 | $17,857 |
| Gold | $642 | $696 | $1,122 | 11 | $2,000 | $8,200 | $16,814 |
| CatastrophicUnder 30 or hardship exemption only | $480 | $480 | $480 | 1 | $10,600 | $10,600 | $16,354 |
* Typical = median: half of plans cost less, half cost more. ** Bad year = 12 months of premium + the plan's in-network out-of-pocket maximum (median across plans). Out-of-network care and non-covered services are extra.