Premier $5,000 HDHP
Silver · HMO · Security Health Plan · Wisconsin
At age 40 it costs between $942.87 and $1,061.97 a month before any subsidy, depending on which county you live in — a marketplace plan is priced per rating area, not per state.
What this Silver plan costs if your income qualifies
Below certain incomes the marketplace improves a Silver plan's cost sharing automatically — you do not apply for it, and it happens on Silver and on no other metal level. The premium does not change; the deductible and what you pay at the doctor do.
| If your income is | Deductible | Most you could pay in a year | Primary care | Generic drugs |
|---|---|---|---|---|
| Above 250%, or not applied for | $5,000 | $6,500 | $10 Copay after deductible | No Charge after Deductible |
| up to 150% of the federal poverty level | $300 | $1,000 | No Charge after Deductible | No Charge after Deductible |
| 150% to 200% | $1,000 | $2,950 | No Charge after Deductible | No Charge after Deductible |
| 200% to 250% | $3,900 | $5,600 | $10 Copay after deductible | No Charge after Deductible |
CMS calls these cost-sharing reductions. The percentages are actuarial values, not discounts. HealthCare.gov works out which one you get from the income you report when you apply.
What CMS publishes about it
| Plan ID | 38166WI0310004 |
|---|---|
| Insurer | Security Health Plan |
| Metal level | Silver |
| Plan type | HMO |
| Deductible (individual) | $5,000 |
| Deductible (family) | $10,000 |
| Drug deductible | Included in the medical deductible |
| Most you could pay in a year | $6,500 |
| Family maximum | $13,000 |
| Primary care visit | $10 Copay after deductible |
| Specialist visit | 20% Coinsurance after deductible |
| Emergency room | $500 Copay after deductible |
| Inpatient stay | 20% Coinsurance after deductible |
| Generic drugs | No Charge after Deductible |
| Preferred brand drugs | $50 Copay after deductible |
| Specialty drugs | 40% Coinsurance after deductible |
| Adult dental included | No |
| Child dental included | No |
| Share of premium buying essential health benefits | 100.00% |
| Network directory | Who is in network |
| Summary of benefits | Summary of benefits and coverage |
| Drug list | Formulary |
| Customer service | 1-844-293-9624 · TTY 1-800-947-3529 |
Where it is sold, and what it costs there
32 counties. The premium is the price before any tax credit; what you pay depends on your income.
| County | At 21 | At 30 | At 40 | At 50 | At 60 |
|---|---|---|---|---|---|
| Adams County | $737.78 | $837.37 | $942.87 | $1,317.66 | $2,002.32 |
| Florence County | $737.78 | $837.37 | $942.87 | $1,317.66 | $2,002.32 |
| Forest County | $737.78 | $837.37 | $942.87 | $1,317.66 | $2,002.32 |
| Iron County | $737.78 | $837.37 | $942.87 | $1,317.66 | $2,002.32 |
| Juneau County | $737.78 | $837.37 | $942.87 | $1,317.66 | $2,002.32 |
| Langlade County | $737.78 | $837.37 | $942.87 | $1,317.66 | $2,002.32 |
| Menominee County | $737.78 | $837.37 | $942.87 | $1,317.66 | $2,002.32 |
| Oneida County | $737.78 | $837.37 | $942.87 | $1,317.66 | $2,002.32 |
| Shawano County | $737.78 | $837.37 | $942.87 | $1,317.66 | $2,002.32 |
| Vilas County | $737.78 | $837.37 | $942.87 | $1,317.66 | $2,002.32 |
| Lincoln County | $745.55 | $846.19 | $952.80 | $1,331.53 | $2,023.39 |
| Marathon County | $745.55 | $846.19 | $952.80 | $1,331.53 | $2,023.39 |
| Portage County | $745.55 | $846.19 | $952.80 | $1,331.53 | $2,023.39 |
| Wood County | $745.55 | $846.19 | $952.80 | $1,331.53 | $2,023.39 |
| Barron County | $784.38 | $890.26 | $1,002.42 | $1,400.88 | $2,128.78 |
| Chippewa County | $784.38 | $890.26 | $1,002.42 | $1,400.88 | $2,128.78 |
| Clark County | $784.38 | $890.26 | $1,002.42 | $1,400.88 | $2,128.78 |
| Dunn County | $784.38 | $890.26 | $1,002.42 | $1,400.88 | $2,128.78 |
| Eau Claire County | $784.38 | $890.26 | $1,002.42 | $1,400.88 | $2,128.78 |
| Pepin County | $784.38 | $890.26 | $1,002.42 | $1,400.88 | $2,128.78 |
| Price County | $784.38 | $890.26 | $1,002.42 | $1,400.88 | $2,128.78 |
| Rusk County | $784.38 | $890.26 | $1,002.42 | $1,400.88 | $2,128.78 |
| Taylor County | $784.38 | $890.26 | $1,002.42 | $1,400.88 | $2,128.78 |
| Ashland County | $830.98 | $943.15 | $1,061.97 | $1,484.10 | $2,255.24 |
| Bayfield County | $830.98 | $943.15 | $1,061.97 | $1,484.10 | $2,255.24 |
| Buffalo County | $830.98 | $943.15 | $1,061.97 | $1,484.10 | $2,255.24 |
| Burnett County | $830.98 | $943.15 | $1,061.97 | $1,484.10 | $2,255.24 |
| Douglas County | $830.98 | $943.15 | $1,061.97 | $1,484.10 | $2,255.24 |
| Jackson County | $830.98 | $943.15 | $1,061.97 | $1,484.10 | $2,255.24 |
| Sawyer County | $830.98 | $943.15 | $1,061.97 | $1,484.10 | $2,255.24 |
| Trempealeau County | $830.98 | $943.15 | $1,061.97 | $1,484.10 | $2,255.24 |
| Washburn County | $830.98 | $943.15 | $1,061.97 | $1,484.10 | $2,255.24 |
Open enrollment for 2026 coverage runs 1 November 2025 to 15 January 2026 in most states. Outside that window you need a qualifying life event — losing other coverage, moving, marrying, having a child — to enrol.
Get told when this changes
When this plan’s price or benefits change.
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Premiums, deductibles, out-of-pocket maximums and cost sharing are reproduced from the HealthCare.gov Qualified Health Plan landscape file published by the Centers for Medicare & Medicaid Services for plan year 2026. Nothing on this page is calculated by us. This is not a complete list of your options and it is not advice: to see every plan and to enrol, use HealthCare.gov or call 1-800-318-2596.