Health insurance plans in Milwaukee County, Wisconsin (2027)

• 3carriers selling 2027 marketplace plans in Milwaukee County
• 37plans on the Milwaukee shelf, from 14 bronze to 11 gold
• $748benchmark silver for a 40 year old in Milwaukee, full price per month

Who sells marketplace plans in Milwaukee County

Milwaukee County and Dane 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 Milwaukee. UnitedHealthcare alone accounts for 16 of the 37 plans in Milwaukee, 43 percent of the shelf, so a lot of what you see when you shop is one company's lineup in different metal levels.

Milwaukee plan counts from the CMS 2027 landscape file (county FIPS 55079, Rating Area 1). 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 Milwaukee County before any subsidy

These are the full monthly prices, before any premium tax credit, for the cheapest Milwaukee 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 Milwaukee pay less, often a lot less.

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

What these numbers mean if you live in Milwaukee County

Milwaukee County is one of 32 of the 79 counties and parishes on my list where the metal levels are priced in the order you would expect. The cheapest gold at 40 is $861, which is $113 above the benchmark silver and $114 above the cheapest silver. In Milwaukee the extra gold premium pays for a lower deductible rather than coming free.

In Milwaukee County the benchmark is $169 above the cheapest bronze at age 40, and 24 of the other 78 counties and parishes I track have a narrower one. That gap decides whether bronze can be free, because your subsidy is the $748 benchmark minus what the government expects you to pay from your income. A 40 year old in Milwaukee whose expected share is $169 a month or less would pay nothing for the cheapest bronze. At 60 the Milwaukee gap grows to $358 and at 21 it shrinks to $132, which is why older enrollees are the ones most likely to find a $0 plan.

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

Milwaukee plans by metal level, network and deductible

There is not a single PPO on the 2027 marketplace in Milwaukee County. All 37 plans are HMO plans. Outside emergencies, the 37 HMO plans in Milwaukee generally pay nothing out of network, so the network list matters more than the premium. 7 plans in Milwaukee have a $0 medical deductible (5 expanded bronze and 2 gold). The 5 bronze ones among them still have out of pocket maximums of $12,000, so a $0 deductible does not mean a small bill.

2027 plans for Milwaukee County

These are the 2027 plans and prices for Milwaukee 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 Milwaukee plan, compare before you let it renew, because your carrier and your benchmark may both have changed.

Questions about Milwaukee County coverage

More for Milwaukee County residents

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