Health Insurance in Madison, Wisconsin
Madison's mix of university research, health software, state government and startups produces a steady stream of consultants, contractors and founders who need coverage outside an employer plan. Farm families in the surrounding Dane County towns are in the same position. Broker Frank Caballero works remotely from Tampa and helps these households weigh options on a call or video session. Wisconsin's individual market has twelve insurers, and the lineup around Madison is its own mix.
Madison at a glance
- Where Madison buys Marketplace plans: HealthCare.gov, the federal Marketplace
- Open enrollment for 2027 coverage: November 1, 2026 to January 15, 2027 (December 15 for a January 1 start)
- Wisconsin 2027 average rate change: 21.7% (finalized)
- Private plans: Any month, if approved
Who I help in Madison
Software and health-records consultants, startup founders, lab and research contractors, lobbyists and policy consultants, graphic designers and writers, dairy and organic vegetable farmers, carpenters and remodelers, yoga teachers and personal trainers, and graduate-school families between jobs.
What to watch when choosing a plan here
Around Madison, several individual plans are tied to a particular local health system, and choosing one usually means choosing where your family gets care. Check your clinic and specialists by name. Commuters from Columbia, Green or Jefferson County should pull up the plan list for the county they live in, and rural families should note how far the nearest in-network hospital is. Students away at college may need care outside the area, too.
Private plans and the Marketplace
Madison households buy Marketplace plans through HealthCare.gov. For 2027 the subsidy stops at 400% of the federal poverty level, $63,840 for one person and $132,000 for a family of four, and above that line every plan is full price. More on Wisconsin's numbers is on the Wisconsin 2027 premium increase page.
A private, medically underwritten plan is priced on age, ZIP code and health instead of income. You answer health questions, approval depends on them, benefits vary by plan, and private plans are not ACA Marketplace plans. If approved, one can start the first of any month, so it does not wait for open enrollment.
Areas served
Middleton · Sun Prairie · Fitchburg · Verona · Monona · Waunakee · McFarland · Stoughton, all by phone or video in English or Spanish.
Compare Madison plans
Private plans priced first, the Marketplace alongside when it fits. Phone or video, English or Spanish, no fee.
Madison questions
How many insurers sell plans around Madison?
Wisconsin has twelve insurers in its individual market, the most of any state Frank works in, but not all of them sell in every county. Dane County buyers should compare only the plans offered at their address, then narrow the list by network.
What should a Madison startup founder know about 2027 rates?
Wisconsin's final average came in near 21.7 percent. Founders above the subsidy line pay the whole increase, so pricing a private plan alongside Marketplace options can help. Private plans hinge on health answers, are separate from the ACA Marketplace, and carry benefits that differ by plan.
When is open enrollment for Madison residents?
Wisconsin enrolls through HealthCare.gov, and the window for 2027 coverage runs from November 1, 2026 to January 15, 2027. Anyone who wants a new plan active on January 1 should choose by December 15. Frank can review the options on a short video call.
More for Wisconsin
- Health insurance in Wisconsin
- Wisconsin open enrollment 2027
- Wisconsin open enrollment for the self-employed
- Wisconsin open enrollment for families
- Wisconsin health insurance quotes
- Self-employed health insurance in Wisconsin
Other Wisconsin cities
Frank Caballero, licensed health insurance broker in Wisconsin and 30 other states, NPN 21032307. Based in Tampa, serving Madison by phone or video. FC Insurance Solutions is independent and not affiliated with any government agency.