I'm Julian Sanchez de la Rosa, an independent broker licensed in Wisconsin and 30 other states. I'm licensed in Wisconsin and work with clients there remotely — phone, video, whatever suits you. This page lays out what coverage actually costs here and how Wisconsin works, so you can decide whether it's worth a conversation.
Coverage here is tiered — an entry plan, a middle plan and a top plan, all on a national PPO network. The low end of the range below is the entry plan with nothing added; the high end is the top plan with dental, vision and a critical-illness rider on top.
| Household | Low end | High end |
|---|---|---|
| Single adult, 30 | $130 | $710 |
| Single adult, 40 | $195 | $820 |
| Single adult, 50 | $275 | $1,045 |
| Single adult, 60 | $495 | $1,420 |
| Couple, 40 and 38 | $400 | $1,220 |
| Family of four, parents 40 | $630 | $1,680 |
Estimates, not quotes. Your actual premium depends on the plan you choose and the carrier's underwriting. Want a figure for your own household? Run the estimator.
Wisconsin doesn't run its own exchange, so subsidized ACA plans are on healthcare.gov. If your income qualifies you for a subsidy, that's often the better deal and I'll say so. If it doesn't, the private market usually wins — that's the comparison worth running.
It hasn't formally expanded Medicaid, but it's the one non-expansion state with no coverage gap — BadgerCare covers low-income adults below the poverty line. So the math here works differently than it does in Florida or Texas, and it's worth checking where you fall before assuming anything.
291,336 Wisconsinites enrolled for 2026. Full-price premiums rose about 22.8% on average, with a wide spread — roughly 7% at one carrier and nearly 35% at another. Two carriers, Molina and Chorus Community Health Plan, left at the end of 2025, taking the market from 14 carriers to 12. When the spread between carriers is that wide, staying put out of habit is expensive.
Open enrollment for 2027 coverage opens November 1, 2026. The closing date is unsettled this year — a federal court struck down the rule that would have shortened the window, and the appeal is being argued in late October 2026. The date that hasn't moved is December 15: enroll by then if you want coverage that starts January 1. For the confirmed final deadline, check healthcare.gov directly rather than trusting a date you read anywhere — including here.
Either way, the question I help people answer is the same one: does a subsidized marketplace plan beat what you can buy privately? That depends on your income, your household, and which doctors you want to keep. It takes one conversation to work out, and I'll tell you if the answer is "go to the exchange, you don't need me."
Self-employed people, 1099 contractors, families, and small business owners — anyone without an HR department handing them a benefits packet.
30 seconds. I reach out. You decide — no pressure, no obligation.
Prefer to skip the form? Book a time on my calendar
Most of my clients don't have an HR department. They're buying coverage on their own — and the market is confusing if this isn't your full-time job. So I lay the plans out side by side in plain English: what each one actually covers, what it costs you when you use it, and where the real differences are. No jargon, no fine print buried at the bottom — just a clear comparison so you can see the trade-offs yourself and make the call with confidence.
1099, freelance, or your own LLC. You need real coverage without an employer footing the bill — and premiums may be tax-deductible.
Spouse, kids, or both. We'll look at what it actually costs to keep your pediatrician and your budget intact.
Laid off, quitting, aging off a parent's plan, or staring down a COBRA bill. Losing coverage opens a special enrollment window.
A handful of employees and no idea where to start. There are more options than you think, and some don't require a group plan.
I'm an independent broker. I shop the market, bring you what's actually available, and show you the trade-offs honestly — including when the answer is "stay where you are."
As an independent broker, I compare plans from different insurance companies side by side and walk you through how they actually differ.
Open Enrollment has a deadline, but life events — losing coverage, moving, marriage, a new baby — open a special enrollment window. Some private options are available year-round.
Self-employed people can often deduct health insurance premiums. I'll flag when it applies so you can raise it with your accountant.
The enrollment is the easy part. I'm still here when a claim gets denied, a card doesn't arrive, or your income changes mid-year.
Prefer to skip the form? Book a time on my calendar