Compare ACA marketplace plans, private insurance, and local carrier options available to Madison residents in 2026. Licensed brokers help you find the lowest rate.
Get Your Madison Quote →Living in Madison gives you access to all plans available statewide on HealthCare.gov, plus direct-purchase private plans from major Wisconsin carriers. With Wisconsin's Medicaid expansion, low-income adults may also qualify for free coverage.
Enroll during Open Enrollment (Nov 1 – Jan 15) or during a Special Enrollment Period. Tax credits based on your income can make Silver plans extremely affordable.
Available year-round directly from carriers. Good for those who don't qualify for subsidies or need immediate coverage outside open enrollment.
Temporary plans to bridge a gap. Lower cost but limited benefits — not a substitute for comprehensive coverage.
| Carrier | Rating | Est. Monthly Premium |
|---|---|---|
| Common Ground Healthcare | ★★★★★ | $372–$422/mo |
| Dean Health Plan | ★★★★☆ | $368–$418/mo |
| Molina Healthcare | ★★★☆☆ | $325–$378/mo |
Premiums for a 40-year-old non-smoker in Madison, WI before subsidies.
Our licensed WI brokers shop every plan available in Madison and find your exact subsidy amount. Takes under 5 minutes.
Get Free Madison Quotes →The benchmark Silver plan in Madison averages approximately $385/month before ACA subsidies. With tax credits (available to households earning 100–400% of the federal poverty level), many Madison residents pay $0–$150/month.
Common Ground Healthcare is consistently top-rated in Wisconsin for network size and member satisfaction. However, the best plan for Madison residents depends on your preferred doctors, prescription needs, and income level.
Yes — licensed brokers at TrustedQuotes can enroll you in any plan available in Madison at no extra cost. The broker fee is paid by the insurance company, not you.
Hospital networks vary by carrier. Before enrolling, ask your broker to verify that your preferred Madison hospital and doctors are in-network. This is the most common source of surprise bills.