Oak $1,300 Gold
Starting at
$729
/month before subsidy
Oak $1,300 Gold is a 2026 Gold PPO health insurance plan from HealthPartners, sold on the ACA Marketplace in Wisconsin under plan ID 20173WI0130001. The monthly premium starts at $729 before subsidies, based on a 40-year-old in the plan's lowest-cost rating area. The individual medical deductible is $1,300 ($2,600 for a family), and the individual out-of-pocket maximum is $8,600 ($17,200 for a family). After the deductible, coinsurance is 20% for covered in-network care. The plan is not HSA-eligible.
- Plan ID
- 20173WI0130001
- Plan year
- 2026
- State
- Wisconsin
- Metal level
- Gold
- Plan type
- PPO
- HSA-eligible
- No
Individual Deductible
$1,300
Family: $2,600
Out-of-Pocket Max
$8,600
Family: $17,200
Coinsurance
20%
You pay after deductible
Network Type
PPO
WIN002
Medical Services
Prescription Drugs
- Medical care
- Member experience
- Plan administration
How well doctors manage and coordinate care
Member-survey satisfaction with the plan
Customer service, billing, and access to information
Having a baby
Normal delivery
$3,570
your estimated cost
- Deductible
- $1,300
- Copays
- $0
- Coinsurance
- $2,200
Managing type 2 diabetes
A year of routine care
$1,620
your estimated cost
- Deductible
- $900
- Copays
- $700
- Coinsurance
- $0
A simple fracture
ER visit + follow-up
$1,640
your estimated cost
- Deductible
- $1,300
- Copays
- $40
- Coinsurance
- $300
Enter your ZIP code first to search nearby doctors.
This Gold PPO plan is designed for people who use healthcare frequently and want predictable costs when they visit the doctor.
Consider this plan if you:
- Have ongoing health conditions requiring regular care
- Take multiple prescription medications
- Prefer lower costs at the time of service
- Want peace of mind with comprehensive coverage
This summary is generated based on plan attributes for educational purposes only.
If you max out this year
$1,446/month
Annual Premium
$8,748
OOP Maximum
$8,600
💡 What this means:
With a $1,300 deductible, you pay 100% of costs until you've spent that much. After that, you pay 20% (coinsurance) until you hit $8,600 total. Then insurance covers everything else for the year.
More plans from HealthPartners in Wisconsin
- Atlas $6,800 Plus Bronze HSAfrom $465/mo
- Atlas $7,500 Standard Bronze HSAfrom $484/mo
- Atlas $8,400 HSA Bronzefrom $460/mo
- NE WI Select $6,800 Plus Bronze HSAfrom $438/mo
- NE WI Select $7,500 Standard Bronze HSAfrom $453/mo
- NE WI Select $8,400 HSA Bronzefrom $431/mo
- Atlas $3,050 Plus Silverfrom $625/mo
- Atlas $3,800 HSA Silverfrom $602/mo
Frequently asked questions about Oak $1,300 Gold
How much does Oak $1,300 Gold cost per month?
Oak $1,300 Gold from HealthPartners starts at $729 per month before any subsidy in Wisconsin. Most Marketplace enrollees qualify for a premium tax credit that lowers what they actually pay — estimate your subsidy to see your net premium.
What is the deductible for Oak $1,300 Gold?
The individual medical deductible is $1,300, and the family deductible is $2,600. You pay for covered care out of pocket until you meet the deductible, after which the plan shares costs with you.
What is the out-of-pocket maximum for Oak $1,300 Gold?
The most you would pay in a year for covered in-network care is $8,600 for an individual and $17,200 for a family. Once you reach it, the plan pays 100% of covered services for the rest of the year.
Is Oak $1,300 Gold HSA-eligible?
No. Oak $1,300 Gold is not classified as an HSA-eligible high-deductible health plan, so it cannot be paired with a Health Savings Account.
What type of network does Oak $1,300 Gold use?
Oak $1,300 Gold is a PPO plan. PPO plans let you see specialists without a referral and use out-of-network providers (at higher cost), offering the most flexibility.
Understand what you'd actually pay
- 2026 Federal Poverty Level (FPL) chart
The income table behind subsidy and Medicaid eligibility
- How ACA subsidies work
Premium tax credits and who qualifies
- The 2026 subsidy cliff
Why income near 400% FPL matters again this year
Important Notice
Plan details and costs shown are estimates for educational purposes only. Actual costs, coverage, and availability may vary. Always verify plan details and enroll through official channels at HealthCare.gov or your state marketplace.