Health insurance prices in Manitowoc County, WI (2026)
40 marketplace plans from 3 insurers. Cheapest plan $448/mo; typical Silver $622/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 16.
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.
Compare options
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 $448–$561 (typical $468) · Silver $541–$674 (typical $622) · Gold $617–$733 (typical $697)
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 |
|---|---|---|---|---|---|---|---|
| CareSource | 18 | $448 | $449 | $547 | $624 | CareSource (Common Ground Healthcare) Bronze Standard $7500 | |
| Anthem Blue Cross Blue Shield (WI)Elevance Health (Blue Cross Blue Shield company) | 9 | $462 | $467 | $622 | $715 | Anthem Bronze Pathway/Lean 5000 (3 Free PCP Visits + $0 Select Drugs + Incentives) | |
| UnitedHealthcareUnitedHealth Group | 13 | $499 | $533 | $658 | $725 | UHC Bronze Essential ($0 Virtual Urgent Care, No Referrals) |
All 40 plans in Manitowoc County, cheapest first
| Compare | Insurer | Plan | Metal | Network | Monthly | Deductible | Out-of-pocket max | Bad year |
|---|---|---|---|---|---|---|---|---|
| CareSource | CareSource (Common Ground Healthcare) Bronze Standard $7500 | Expanded Bronze | EPO | $448 | $7,500 | $10,000 | $15,373 | |
| CareSource | CareSource (Common Ground Healthcare) Bronze $9600 ($45 PCP Copay) | Expanded Bronze | EPO | $448 | $9,600 | $9,600 | $14,976 | |
| CareSource | CareSource (Common Ground Healthcare) Bronze Standard $7500 - Vision Exam | Expanded Bronze | EPO | $449 | $7,500 | $10,000 | $15,386 | |
| CareSource | CareSource (Common Ground Healthcare) Bronze $9600 ($45 PCP Copay) - Vision Exam | Expanded Bronze | EPO | $449 | $9,600 | $9,600 | $14,989 | |
| Anthem Blue Cross Blue Shield (WI) | Anthem Bronze Pathway/Lean 5000 (3 Free PCP Visits + $0 Select Drugs + Incentives) | Expanded Bronze | HMO | $462 | $5,000 | $10,600 | $16,143 | |
| Anthem Blue Cross Blue Shield (WI) | Anthem Bronze Pathway/Lean HSA (+ Incentives) | Expanded Bronze | HMO | $467 | $8,450 | $8,450 | $14,055 | |
| Anthem Blue Cross Blue Shield (WI) | Anthem Bronze Pathway/Lean Standard ($0 Virtual PCP + $0 Select Drugs + Incentives) | Expanded Bronze | HMO | $468 | $7,500 | $10,000 | $15,613 | |
| CareSource | CareSource (Common Ground Healthcare) Bronze $0 Ded / $2500 Rx Ded | Expanded Bronze | EPO | $469 | $0 | $9,500 | $15,122 | |
| CareSource | CareSource (Common Ground Healthcare) Bronze $0 Ded / $2500 Rx Ded - Vision Exam | Expanded Bronze | EPO | $470 | $0 | $9,500 | $15,135 | |
| Anthem Blue Cross Blue Shield (WI) | Anthem Heart Healthy Bronze Pathway/Lean 0 Med Ded ($0 Virtual PCP+$0 Select Drugs+Incentives) | Expanded Bronze | HMO | $495 | $0 | $10,600 | $16,544 | |
| UnitedHealthcare | UHC Bronze Essential ($0 Virtual Urgent Care, No Referrals) | Bronze | HMO | $499 | $10,600 | $10,600 | $16,589 | |
| UnitedHealthcare | UHC Bronze Standard (No Referrals) | Expanded Bronze | HMO | $521 | $7,500 | $10,000 | $16,258 | |
| CareSource | CareSource (Common Ground Healthcare) Silver $5000 Ded / $6000 Rx Ded | Silver | EPO | $541 | $5,000 | $10,600 | $17,093 | |
| CareSource | CareSource (Common Ground Healthcare) Silver $5000 Ded / $6000 Rx Ded - Vision Exam | Silver | EPO | $542 | $5,000 | $10,600 | $17,106 | |
| UnitedHealthcare | UHC Bronze Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, No Referrals) | Expanded Bronze | HMO | $545 | $0 | $10,600 | $17,144 | |
| CareSource | CareSource (Common Ground Healthcare) Silver $4700 Ded / $5000 Rx Ded | Silver | EPO | $546 | $4,700 | $10,600 | $17,153 | |
| CareSource | CareSource (Common Ground Healthcare) Silver $4700 Ded / $5000 Rx Ded - Vision Exam | Silver | EPO | $547 | $4,700 | $10,600 | $17,167 | |
| CareSource | CareSource (Common Ground Healthcare) Silver Standard $6000 | Silver | EPO | $548 | $6,000 | $8,900 | $15,477 | |
| CareSource | CareSource (Common Ground Healthcare) Silver Standard $6000 - Vision Exam | Silver | EPO | $549 | $6,000 | $8,900 | $15,490 | |
| UnitedHealthcare | UHC Bronze Copay Focus+ $0 Indiv Med Ded ($0 Virtual Urgent Care, Dental + Vision, No Referrals) | Expanded Bronze | HMO | $561 | $0 | $10,600 | $17,331 | |
| CareSource | CareSource (Common Ground Healthcare) Gold $3300 | Gold | EPO | $617 | $3,300 | $8,500 | $15,907 | |
| CareSource | CareSource (Common Ground Healthcare) Gold $3300 - Vision Exam | Gold | EPO | $618 | $3,300 | $8,500 | $15,921 | |
| Anthem Blue Cross Blue Shield (WI) | Anthem Silver Pathway/Lean Standard ($0 Virtual PCP + $0 Select Drugs + Incentives) | Silver | HMO | $622 | $6,000 | $8,900 | $16,368 | |
| Anthem Blue Cross Blue Shield (WI) | Anthem Silver Pathway/Lean 4000 ($0 PCP Visits + $0 Select Drugs + Incentives) | Silver | HMO | $622 | $4,000 | $9,400 | $16,870 | |
| Anthem Blue Cross Blue Shield (WI) | Anthem Silver Pathway/Lean 5500 ($0 Virtual PCP + $0 Select Drugs + Incentives) | Silver | HMO | $623 | $5,500 | $9,200 | $16,674 | |
| CareSource | CareSource (Common Ground Healthcare) Gold Standard $2000 | Gold | EPO | $623 | $2,000 | $8,200 | $15,681 | |
| CareSource | CareSource (Common Ground Healthcare) Gold Standard $2000 - Vision Exam | Gold | EPO | $624 | $2,000 | $8,200 | $15,694 | |
| UnitedHealthcare | UHC Silver Standard (No Referrals) | Silver | HMO | $650 | $6,000 | $8,900 | $16,705 | |
| UnitedHealthcare | UHC Silver Value ($0 Virtual Urgent Care, $8 Tier 2 Rx, No Referrals) | Silver | HMO | $650 | $4,000 | $8,750 | $16,555 | |
| UnitedHealthcare | UHC Silver Advantage ($0 Virtual Urgent Care, $5 Tier 2 Rx, No Referrals) | Silver | HMO | $658 | $3,500 | $9,800 | $17,699 | |
| UnitedHealthcare | UHC Silver Value+ ($0 Virtual Urgent Care, $8 Tier 2 Rx, Dental + Vision, No Referrals) | Silver | HMO | $666 | $4,000 | $8,750 | $16,742 | |
| UnitedHealthcare | UHC Silver Advantage+ ($0 Virtual Urgent Care, $5 Tier 2 Rx, Dental + Vision, No Referrals) | Silver | HMO | $674 | $3,500 | $9,800 | $17,886 | |
| CareSource | CareSource (Common Ground Healthcare) Gold $0 Ded | Gold | EPO | $681 | $0 | $9,000 | $17,166 | |
| CareSource | CareSource (Common Ground Healthcare) Gold $0 Ded - Vision Exam | Gold | EPO | $682 | $0 | $9,000 | $17,179 | |
| UnitedHealthcare | UHC Gold Standard (No Referrals) | Gold | HMO | $712 | $2,000 | $8,200 | $16,741 | |
| Anthem Blue Cross Blue Shield (WI) | Anthem Gold Pathway/Lean 1000 ($0 Virtual PCP + $0 Select Drugs + Incentives) | Gold | HMO | $715 | $1,000 | $7,200 | $15,779 | |
| Anthem Blue Cross Blue Shield (WI) | Anthem Gold Pathway/Lean Standard ($0 Virtual PCP + $0 Select Drugs + Incentives) | Gold | HMO | $715 | $2,000 | $8,200 | $16,780 | |
| UnitedHealthcare | UHC Gold Advantage ($0 Virtual Urgent Care, $5 Tier 2 Rx, No Referrals) | Gold | HMO | $717 | $1,500 | $7,000 | $15,605 | |
| UnitedHealthcare | UHC Gold Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, $5 Tier 2 Rx, No Referrals) | Gold | HMO | $732 | $0 | $8,500 | $17,285 | |
| UnitedHealthcare | UHC Gold Advantage+ ($0 Virtual Urgent Care, $5 Tier 2 Rx, Dental + Vision, No Referrals) | Gold | HMO | $733 | $1,500 | $7,000 | $15,791 |
Deductibles and a bad year, by metal level
| Metal | Lowest | Typical* | Highest | Plans | Typical deductible | Typical out-of-pocket max | Typical bad year** |
|---|---|---|---|---|---|---|---|
| Bronze | $448 | $468 | $561 | 14 | $7,500 | $10,000 | $15,500 |
| Silver | $541 | $622 | $674 | 14 | $4,850 | $9,300 | $16,806 |
| Gold | $617 | $697 | $733 | 12 | $1,750 | $8,200 | $15,914 |
* 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.