Before subsidies, the benchmark silver plan for a 40-year-old in Racine County cost about $631 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 Racine County for 2026. The rest of this page covers your coverage options in Racine, the best-reviewed local agencies and the deadlines that matter.
Top-rated health insurance agencies near Racine
Licensed agents can compare plans available in Racine County, check your doctors and estimate your premium tax credit. Free to you.
Call 866-645-8540Health insurance at a glance: Racine, WI
| Where to enroll | HealthCare.gov |
|---|---|
| Average benchmark silver, age 40 (2027) | $720/mo before subsidies |
| Racine County benchmark (2026) | $631/mo |
| Plans offered in Racine County (2026) | 35 |
| Plan types | HMO |
| 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.
A quick checklist
- Check that the agent's license is active with the state regulator.
- Make a list of your doctors, hospitals and prescriptions before you call anyone.
- Have a realistic estimate of next year's household income; subsidies are based on it.
- Ask each agent which carriers they can quote in your county.
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
Where can I buy health insurance in Racine?
Through the HealthCare.gov, directly from an insurer, or with a licensed agent or broker who can do either.
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.
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.
Health insurance in nearby cities
- Mount Pleasant, WI 4 miles
- Sturtevant, WI 5 miles
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- Somers, WI 7 miles
- Kenosha, WI 10 miles
- Oak Creek, WI 11 miles
- Union Grove, WI 12 miles
- South Milwaukee, WI 13 miles
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- Franklin, WI 15 miles