Health insurance plans in Dane County, Wisconsin (2027)

• 3carriers selling 2027 marketplace plans in Dane County
• 39plans on the Dane shelf, from 11 bronze to 12 gold
• $651benchmark silver for a 40 year old in Dane, full price per month

Who sells marketplace plans in Dane County

Dane County and Milwaukee County, the two Wisconsin counties I track, have the same number of carriers, three each. Across all 79 counties and parishes I track, 58 have more carriers than Dane. Quartz alone accounts for 19 of the 39 plans in Dane, 49 percent of the shelf, so a lot of what you see when you shop is one company's lineup in different metal levels.

Dane plan counts from the CMS 2027 landscape file (county FIPS 55025, Rating Area 2). Bronze includes expanded bronze, and companies CMS lists under more than one legal issuer are grouped with the legal names underneath.

What it costs in Dane County before any subsidy

These are the full monthly prices, before any premium tax credit, for the cheapest Dane plan at each metal level. I show the sticker price because it is what your subsidy is subtracted from, and most people who enroll in Dane pay less, often a lot less.

Benchmark silver is the second lowest of the 12 silver premiums listed for Dane. The last column is two adults aged 40 plus two children.

What these numbers mean if you live in Dane County

The gold row is the surprise in Dane County. The cheapest gold plan for a 40 year old, $601 a month, is $40 cheaper than the cheapest silver plan at $641. That happens because Wisconsin carriers load the cost of the extra silver discounts into silver premiums. If your income is too high for those discounts, silver is the worst value on the Dane shelf, and a gold deductible here tops out at $4,250.

In Dane County the benchmark is $190 above the cheapest bronze at age 40, and 37 of the other 78 counties and parishes I track have a wider one. That gap decides whether bronze can be free, because your subsidy is the $651 benchmark minus what the government expects you to pay from your income. A 40 year old in Dane whose expected share is $190 a month or less would pay nothing for the cheapest bronze. At 60 the Dane gap grows to $403 and at 21 it shrinks to $148, which is why older enrollees are the ones most likely to find a $0 plan.

Milwaukee County, around Milwaukee, is the other Wisconsin county I track. Compared with Milwaukee County, the Dane benchmark is $96 lower at 40 and the cheapest bronze is $117 lower. Dean Health Plan, Group Health Cooperative-SCW and Quartz sell in Dane and not in Milwaukee County. Anthem Blue Cross and Blue Shield, Network Health and UnitedHealthcare sell in Milwaukee County and not in Dane.

Dane plans by metal level, network and deductible

There is not a single PPO on the 2027 marketplace in Dane County. The 39 plans split into 31 HMO and 8 EPO. Outside emergencies, the 8 EPO and 31 HMO plans in Dane generally pay nothing out of network, so the network list matters more than the premium. 4 plans in Dane have a $0 medical deductible (3 expanded bronze and 1 platinum). The 3 bronze ones among them still have out of pocket maximums of $11,500 to $12,000, so a $0 deductible does not mean a small bill.

2027 plans for Dane County

These are the 2027 plans and prices for Dane County, from the CMS plan file released at the end of October 2026. Open enrollment for 2027 coverage in Wisconsin runs from November 1, 2026 to January 15, 2027, and December 15 is the last day to pick a plan that starts January 1. If you already have a Dane plan, compare before you let it renew, because your carrier and your benchmark may both have changed.

Questions about Dane County coverage

More for Dane County residents

• Health insurance brokers in Wisconsin, how to choose one and what it costs
• Every 2027 carrier change in Wisconsin
• How Dane compares with the other 78 counties and parishes I track
• Estimate a Dane subsidy