How Much Does Health Insurance Cost in Madison, WI?
Madison pricing is near the national average. Updated for 2026.
Based on local labor rates, varied climate conditions, and Madison's diversified economy.See our methodology
Health Insurance Pricing in Madison, WI
Madison offers near-average pricing for health insurance, making it a reasonable market for this service. The local diversified economy supports a balanced labor pool, and the city's 260K population base ensures you can find multiple qualified providers to compare quotes.
Local climate plays a direct role in health insurance costs here. Harsh winters and hot summers mean year-round service needs; freeze-thaw cycles affect foundations.
Market-specific factors matter in Madison: moderate cost of living keeps contractor rates affordable.
Madison has moderate permitting requirements. Depending on the scope of your health insurance project, you may need local permits. A licensed contractor will handle the permitting process as part of the job in most cases.
Madison vs National Average
What Affects Health Insurance Cost in Madison?
Plan Tier
Bronze: $250-$400/mo. Silver: $350-$550/mo. Gold: $450-$700/mo. Platinum: $550-$800/mo
Age
26-year-old: $250-$400. 40-year-old: $350-$550. 60-year-old: $600-$1,000
Madison Market Conditions
moderate cost of living keeps contractor rates affordable
Local Climate Impact
harsh winters and hot summers mean year-round service needs; freeze-thaw cycles affect foundations
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Top-Rated Health Insurance Pros in Madison, WI
5 providersFirst Choice Plumbing
✅ VERIFIEDPatriot Property Services
✅ VERIFIEDElite Roofing & Siding
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Tips to Save on Health Insurance in Madison
- 1.Check ACA marketplace for subsidies — most people qualify
- 2.Higher deductible plans have lower premiums if you're healthy
- 3.Compare plans during open enrollment
- 4.Use HSA-eligible plans to save pre-tax dollars
📈 Health Insurance in Madison Cost Trends (2020–2024)
Prices have increased +17.9% over the last 5 years
| Year | National Avg | YoY Change |
|---|---|---|
| 2020 | $374 | — |
| 2021 | $390 | +4.3% |
| 2022 | $415 | +6.4% |
| 2023 | $427 | +2.9% |
| 2024 | $441 | +3.3% |
Based on national averages adjusted for annual inflation. Actual costs vary by location and project scope.
💬 What Did You Pay?
Real costs reported by homeowners for Health Insurance in Madison
Recent Reports
Frequently Asked Questions
What's the cheapest health insurance?
Catastrophic plans are cheapest ($150-$250/mo) but only available to those under 30. Otherwise, Bronze plans are the most affordable.
Why does health insurance cost different in Madison than other cities?
Madison's costs reflect local labor rates driven by the diversified economy, varied climate conditions that affect materials and scheduling, and moderate permitting requirements. The balanced labor market also influences competitive pricing.
Health Insurance Cost in Nearby Cities
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