Before subsidies, the benchmark silver plan for a 40-year-old in Winnebago County cost about $543 a month for 2026, and the Wisconsin average for 2027 is $720 a month. Premium tax credits bring that down for many households, depending on income and family size. 3 insurers offered marketplace plans in Winnebago County for 2026. Keep reading for what's sold in Winnebago County, which local agencies have the best reviews, and how to get a quote.
Top-rated health insurance agencies near Oshkosh
Licensed agents can compare plans available in Winnebago County, check your doctors and estimate your premium tax credit. Free to you.
Call 866-645-8540Health insurance at a glance: Oshkosh, WI
| Where to enroll | HealthCare.gov |
|---|---|
| Average benchmark silver, age 40 (2027) | $720/mo before subsidies |
| Winnebago County benchmark (2026) | $543/mo |
| Plans offered in Winnebago County (2026) | 30 |
| Plan types | HMO, PPO |
| Marketplace insurers in Wisconsin (2027) | 12 |
| Medicaid expansion | No |
| Short-term plans | Sold with state limits (not ACA-compliant) |
Sources: CMS plan data, KFF, state marketplace and insurance department pages.
How to get ready
- Check that the agent's license is active with the state regulator.
- Compare total yearly cost (premiums plus deductible), not just the monthly premium.
- Have a realistic estimate of next year's household income; subsidies are based on it.
- Write down the enrollment deadline and confirm your first premium payment.
Free enrollment help in Wisconsin
HealthCare.gov Marketplace assisters: CMS-funded Navigator organizations plus Certified Application Counselors, who give free, impartial help applying and enrolling; consumers search for nearby help with the HealthCare.gov Find Local Help tool. You can search for in-person help on the official find-help page. If you'd rather have someone compare plans and recommend one, a licensed agent can do that at no cost to you.
Frequently asked questions
Can I get coverage outside open enrollment?
Only with a qualifying life event, unless you qualify for BadgerCare Plus. Some people also look at short-term or fixed-indemnity plans, which are not ACA-compliant coverage.
Which insurers sell marketplace plans in Wisconsin?
For 2027, marketplace plans in Wisconsin come from 12 insurers: Anthem (CompCare), Aspirus Health Plan (Arise), Common Ground Healthcare Cooperative, Dean Health Plan, Group Health Cooperative of South Central WI, HealthPartners, Medica, MercyCare, Network Health, Quartz, Security Health Plan and UnitedHealthcare. Not every insurer sells in every county.
How much is health insurance in Oshkosh?
Before subsidies, the benchmark silver plan for a 40-year-old in Winnebago County cost about $543 a month for 2026, and the Wisconsin average for 2027 is $720 a month. Premium tax credits bring that down for many households, depending on income and family size. 3 insurers offered marketplace plans in Winnebago County for 2026. A licensed agent can quote your exact price.
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