Wisconsin open enrollment 2027 Open enrollment · Wisconsin

Wisconsin Open Enrollment 2027 for Individuals

Last updated November 3, 2026 · By Frank Caballero, licensed health insurance broker

Short answer

For individuals and couples buying their own coverage in Wisconsin, open enrollment for 2027 coverage runs November 1, 2026 to January 15, 2027 on HealthCare.gov, and December 15 is the date to choose by for a January 1 start. A private, medically underwritten plan works on its own clock: if approved, it can start the first of any month, whether or not the window is open.

What 2027 looks like for you

Wisconsin's average 2027 rate change is 21.7% (finalized). The details are on the Wisconsin 2027 premium increase page.

For 2027 the subsidy line is $63,840 for one person and $86,560 for a couple; above it, every metal level is full price. Bronze and catastrophic plans count as HSA-eligible starting with 2026 coverage, and the 2027 out-of-pocket cap is $12,000 for one person, which is the real worst case to compare.

Wisconsin this year

Wisconsin has the most crowded market among my licensed states, with twelve insurers filing for 2027, many of them regional plans tied to local health systems. The lineup in Milwaukee, Madison, Green Bay and the north woods can be completely different, so compare plans for your exact county. The final individual average is about 21.7 percent despite a state reinsurance program that has lowered premiums for years. Wisconsinites use HealthCare.gov. There is no separate state premium subsidy, so a single adult over $63,840 relies on the reinsurance savings alone.

One thing to do before you choose

Kenosha and Racine residents who commute to Illinois, and northwest Wisconsin households that use Minnesota providers, should check that a 2027 plan includes those providers: you buy where you live, but the network decides where you get care. With twelve insurers, narrow the list by network first, then compare total yearly cost. Your own rate may differ from the state average, so use the prices HealthCare.gov shows now.

Your checklist

Each plan's network type in your Wisconsin ZIP code
The out-of-pocket maximum next to the premium
Your 2027 income against the one- or two-person line
Bronze with an HSA if you rarely need care

Private plan or Marketplace?

Private plan

Healthy single adults or couples above the line: priced on age, ZIP code and health. Approval depends on health answers; not an ACA Marketplace plan.

Marketplace

A health condition or income under the line: HealthCare.gov must accept you, and the subsidy can lower the price.

Compare Wisconsin plans this open enrollment

Private plans priced first, the Marketplace alongside when it fits. Phone or video, English or Spanish, no fee.

Get a quote Book a call (786) 218-2384

About your broker

Frank Caballero (NPN 21032307), licensed in 31 states including Wisconsin. Phone or video, English or Spanish, no fee; independent, not HealthCare.gov or any government agency.

Questions

When is the 2027 open enrollment deadline in Wisconsin?

January 15, 2027 on HealthCare.gov. Choose by December 15, 2026 for coverage that starts January 1; plans picked after that start February 1.

I'm leaving a five-person Madison shop. Do I get continuation even though the employer is tiny?

Yes. Wisconsin's continuation law gives up to 18 months on an insured employer plan at the group rate, regardless of employer size. Compare that cost against a HealthCare.gov plan, because leaving the job also qualifies you for a mid-year enrollment window on the federal site. Short-term plans here are not ACA-compliant and can limit preexisting conditions.

Can I get a private plan in Wisconsin after open enrollment closes?

Yes. You can apply in any month and, if approved, a private plan can start the first of a month; the insurer can decline based on health answers.

More for Wisconsin

Official sources: HealthCare.gov, the federal Marketplace; HealthCare.gov: special enrollment periods. FC Insurance Solutions is an independent, licensed brokerage and is not affiliated with any government agency.

Written by Frank Caballero, licensed health insurance broker in Wisconsin and 30 other states, NPN 21032307. Last updated November 3, 2026.