HMO HDHP Silver 5900
Silver · HMO · Aspirus Health Plan · Wisconsin
At age 40 it costs between $604.90 and $753.21 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 | $5,900 | $5,900 | No Charge after Deductible | No Charge after Deductible |
| up to 150% of the federal poverty level | $750 | $750 | No Charge after Deductible | No Charge after Deductible |
| 150% to 200% | $1,900 | $1,900 | No Charge after Deductible | No Charge after Deductible |
| 200% to 250% | $4,900 | $4,900 | No Charge 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 | 86584WI0010013 |
|---|---|
| Insurer | Aspirus Health Plan |
| Metal level | Silver |
| Plan type | HMO |
| Deductible (individual) | $5,900 |
| Deductible (family) | $11,800 |
| Drug deductible | Included in the medical deductible |
| Most you could pay in a year | $5,900 |
| Family maximum | $11,800 |
| Primary care visit | No Charge after Deductible |
| Specialist visit | No Charge after Deductible |
| Emergency room | No Charge after Deductible |
| Inpatient stay | No Charge after Deductible |
| Generic drugs | No Charge after Deductible |
| Preferred brand drugs | No Charge after Deductible |
| Specialty drugs | No Charge 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 | 1-866-631-4611 · TTY 1-866-631-5404 |
Where it is sold, and what it costs there
20 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 | $473.32 | $537.22 | $604.90 | $845.35 | $1,284.58 |
| Juneau County | $473.32 | $537.22 | $604.90 | $845.35 | $1,284.58 |
| Marquette County | $473.32 | $537.22 | $604.90 | $845.35 | $1,284.58 |
| Sauk County | $473.32 | $537.22 | $604.90 | $845.35 | $1,284.58 |
| Columbia County | $473.86 | $537.82 | $605.59 | $846.30 | $1,286.04 |
| Waushara County | $473.86 | $537.82 | $605.59 | $846.30 | $1,286.04 |
| Lincoln County | $509.97 | $578.81 | $651.73 | $910.79 | $1,384.04 |
| Marathon County | $509.97 | $578.81 | $651.73 | $910.79 | $1,384.04 |
| Portage County | $509.97 | $578.81 | $651.73 | $910.79 | $1,384.04 |
| Wood County | $509.97 | $578.81 | $651.73 | $910.79 | $1,384.04 |
| Shawano County | $520.75 | $591.05 | $665.51 | $930.05 | $1,413.31 |
| Florence County | $578.96 | $657.12 | $739.91 | $1,034.02 | $1,571.29 |
| Forest County | $578.96 | $657.12 | $739.91 | $1,034.02 | $1,571.29 |
| Iron County | $578.96 | $657.12 | $739.91 | $1,034.02 | $1,571.29 |
| Langlade County | $578.96 | $657.12 | $739.91 | $1,034.02 | $1,571.29 |
| Oneida County | $578.96 | $657.12 | $739.91 | $1,034.02 | $1,571.29 |
| Vilas County | $578.96 | $657.12 | $739.91 | $1,034.02 | $1,571.29 |
| Clark County | $589.37 | $668.93 | $753.21 | $1,052.61 | $1,599.54 |
| Price County | $589.37 | $668.93 | $753.21 | $1,052.61 | $1,599.54 |
| Taylor County | $589.37 | $668.93 | $753.21 | $1,052.61 | $1,599.54 |
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.