Best Cheap Health Insurance in Wisconsin: When it comes to protecting your health and finances, finding affordable health insurance is crucial. In Wisconsin, there are various options available that cater to different needs and budgets.
Whether you’re looking for comprehensive coverage or a more basic plan, understanding your options can save you money while ensuring you’re covered for life’s unexpected moments.
This guide dives into the best cheap health insurance options in Wisconsin, helping you navigate the landscape and find the plan that’s perfect for you. Plus, learn how to get a free quote to make informed decisions about your health coverage.
Understanding Health Insurance Basics
Health insurance is a contract between you and an insurance provider that covers a portion of your medical expenses. By paying a monthly premium, you gain access to a network of healthcare providers and services. These plans vary widely, offering coverage for everything from routine checkups to emergency care.
Without health insurance, medical costs can quickly add up, potentially leading to financial hardship. For example, a single emergency room visit can cost thousands of dollars. Having a reliable health insurance plan ensures you can access necessary care without breaking the bank.
Why is Health Insurance Important?
Health insurance plays a vital role in maintaining both your health and financial stability. It helps you:
- Access preventive care to avoid severe health issues.
- Reduce out-of-pocket costs for doctor visits, prescriptions, and hospital stays.
- Comply with legal requirements under the Affordable Care Act (ACA).
In Wisconsin, skipping health insurance could mean missing out on crucial benefits, including preventive screenings and subsidies that make coverage more affordable.
Types of Health Insurance Plans Available
Wisconsin residents can choose from various health insurance plans, including:
- Health Maintenance Organizations (HMOs): Lower premiums but limited to a specific network of providers.
- Preferred Provider Organizations (PPOs): More flexibility in choosing providers, but higher costs.
- Exclusive Provider Organizations (EPOs): Combines the features of HMOs and PPOs.
- High-Deductible Health Plans (HDHPs): Lower premiums, ideal for healthy individuals with fewer medical needs.
Health Insurance Landscape in Wisconsin
Overview of Health Insurance Options
Wisconsin offers a mix of private and public health insurance options to meet diverse needs. The state participates in the federally facilitated health insurance marketplace, where residents can shop for ACA-compliant plans.
Whether you’re employed, self-employed, or unemployed, there’s an option tailored for you. Major providers like UnitedHealthcare, Blue Cross Blue Shield, and Molina Healthcare dominate the market, offering competitive plans with varying levels of coverage.
The Role of the Wisconsin Health Insurance Marketplace
The Wisconsin Health Insurance Marketplace is a one-stop-shop for individuals and families to find affordable plans. It allows users to:
- Compare multiple plans side by side.
- Determine eligibility for subsidies.
- Enroll during open enrollment periods or qualify for special enrollment.
With the marketplace, finding a plan that fits your budget and healthcare needs has never been easier.
Public vs. Private Insurance Plans
Public insurance plans like Medicaid and Medicare cater to low-income residents, seniors, and individuals with disabilities. Private insurance plans, on the other hand, are available through employers or directly from insurers. Understanding the differences can help you choose the best fit for your situation.
Key Factors to Consider When Choosing a Health Insurance Plan
Coverage and Benefits
The first thing to evaluate is the coverage a plan offers. Look for benefits that align with your healthcare needs, such as:
- Prescription drug coverage.
- Access to specialists.
- Preventive services like vaccinations and screenings.
For families, pediatric services and maternity care might be essential. Make a list of must-haves and compare plans accordingly.
Monthly Premiums and Deductibles
Premiums are what you pay monthly, while deductibles are the out-of-pocket costs before insurance kicks in. A low premium might seem appealing, but high deductibles could leave you paying more when you need care.
Strike a balance by assessing your typical medical expenses. For example, if you visit the doctor frequently, a higher premium plan with lower deductibles could save you money.
Network of Providers
Not all plans give access to all healthcare providers. Make sure your preferred doctors and specialists are within the plan’s network. Out-of-network care can be costly, so verifying this upfront is crucial.
Finding Affordable Health Insurance in Wisconsin
Using the Wisconsin Insurance Marketplace
The Wisconsin marketplace simplifies the process of finding affordable plans. By entering basic details about your income and household size, you can instantly see plans tailored to your budget. The marketplace also highlights subsidy options, which significantly reduce costs for qualifying individuals.
Exploring Subsidies and Tax Credits
Many Wisconsin residents are eligible for subsidies under the ACA. These financial aids lower premiums and make coverage accessible. For example:
- Individuals earning 100–400% of the federal poverty level (FPL) qualify for premium tax credits.
- Cost-sharing reductions are available for silver plans, decreasing deductibles and copays.
Tips for Comparing Plans
When comparing plans, focus on the big picture. Don’t just look at premiums; consider deductibles, out-of-pocket maximums, and coverage for essential services. Utilize online tools to filter plans based on your specific needs and budget.
Best Cheap Health Insurance Providers in Wisconsin
Overview of Top Insurance Providers
Several health insurance providers in Wisconsin offer affordable and comprehensive plans. Each provider caters to different demographics and healthcare needs. Here are some of the most popular choices:
- Dean Health Plan: Known for its extensive network and competitive rates, Dean Health Plan offers various options tailored to families and individuals.
- Molina Healthcare: A strong choice for low-income families, providing cost-effective plans with decent coverage.
- Quartz Health Solutions: Offers a mix of HMOs and PPOs with a focus on preventive care.
- UnitedHealthcare: Provides flexibility with a wide range of plans and a large network of providers.
Comparing Plans for Cost and Coverage
When selecting a provider, compare their plans based on the following criteria:
- Premiums and Deductibles: Look for plans with a reasonable balance to avoid high out-of-pocket costs.
- Network Access: Ensure the provider includes your preferred healthcare professionals.
- Additional Perks: Some insurers offer wellness programs, telemedicine services, or discounts on gym memberships.
For instance, UnitedHealthcare often includes virtual visits and wellness rewards, which could be ideal for tech-savvy individuals.
Customer Reviews and Satisfaction
Reading reviews can provide insights into the customer service and reliability of an insurer. Dean Health Plan, for example, often scores high for its responsive customer service and smooth claims process. On the other hand, you may find mixed reviews about network restrictions with other providers like HMOs.
Cheap Wisconsin Health Insurance Plans by City
In Milwaukee, Anthem Blue Cross has the cheapest health insurance at $402 per month before discounts.
In Madison, Dean Health has the cheapest health insurance, and in Green Bay, Common Ground has the cheapest plans.
Your health insurance options vary widely based on where you live in Wisconsin. You’ll have an average of four health insurance companies to choose from in most counties, even though there are 14 companies selling health insurance in the state.
Cheapest Health Insurance by WI County
| County | Cheapest Silver plan | Monthly rate |
|---|---|---|
| Adams | Dean Health Plan Dean Silver | $498 |
| Ashland | Security Health Plan Select | $606 |
| Barron | Security Health Plan Select | $583 |
| Bayfield | Medica Essentia Choice Care | $514 |
| Brown | Common Ground CGHC Silver | $460 |
| Buffalo | Medica Silver Standard | $588 |
| Burnett | HealthPartners Atlas $3,800 HSA Silver | $586 |
| Calumet | Anthem Silver Pathway | $433 |
| Chippewa | Security Health Plan Select | $586 |
| Clark | Security Health Plan SimplyOne | $540 |
| Columbia | Anthem Silver Blue Preferred | $464 |
| Crawford | Dean Health Plan Dean Silver | $516 |
| Dane | Dean Focus Network Silver | $427 |
| Dodge | Common Ground CGHC Silver | $439 |
| Door | Common Ground CGHC Silver | $460 |
| Douglas | Medica Essentia Choice Care | $514 |
| Dunn | Security Health Plan Select | $586 |
| Eau Claire | Security Health Plan Select | $586 |
| Florence | HealthPartners Robin Select Silver | $481 |
| Fond du Lac | Common Ground CGHC Silver | $439 |
| Forest | Security Health Plan SimplyOne | $503 |
| Grant | Dean Health Plan Dean Silver | $516 |
| Green | Anthem Silver Blue Preferred | $464 |
| Green Lake | HealthPartners Robin Select Silver | $481 |
| Iowa | Dean Silver | $514 |
| Iron | Security Health Plan Select | $543 |
| Jackson | Medica Silver Standard | $588 |
| Jefferson | Anthem Silver Blue Preferred | $464 |
| Juneau | Dean Health Plan Dean Silver | $498 |
| Kenosha | Anthem Silver Pathway | $446 |
| Kewaunee | Common Ground CGHC Silver | $460 |
| La Crosse | Medica Silver Standard | $588 |
| Lafayette | Dean Health Plan Dean Silver | $516 |
| Langlade | Security Health Plan SimplyOne | $503 |
| Lincoln | Security Health Plan SimplyOne | $498 |
| Manitowoc | Common Ground CGHC Silver | $460 |
| Marathon | Security Health Plan SimplyOne | $498 |
| Marinette | Common Ground CGHC Silver | $460 |
| Marquette | HealthPartners Robin Select Silver | $481 |
| Menominee | HealthPartners Robin Select Silver | $481 |
| Milwaukee | Anthem Silver Pathway | $402 |
| Monroe | Medica Silver Standard | $588 |
| Oconto | Common Ground CGHC Silver | $460 |
| Oneida | Security Health Plan SimplyOne | $503 |
| Outagamie | Anthem Silver Pathway | $433 |
| Ozaukee | Anthem Silver Pathway | $451 |
| Pepin | Security Health Plan Select | $586 |
| Pierce | Medica Silver Standard | $517 |
| Polk | Medica Medica Individual Choice Silver Standard | $523 |
| Portage | Security Health Plan SimplyOne | $498 |
| Price | Security Health Plan SimplyOne | $540 |
| Racine | Anthem Silver Pathway | $446 |
| Richland | Dean Health Plan Dean Silver | $498 |
| Rock | Anthem Silver Blue Priority | $446 |
| Rusk | Security Health Plan Select | $583 |
| Sauk | Dean Focus Network Silver | $458 |
| Sawyer | Security Health Plan Select | $606 |
| Shawano | Common Ground CGHC Silver | $460 |
| Sheboygan | Common Ground CGHC Silver | $439 |
| St. Croix | Medica Silver Standard | $517 |
| Taylor | Security Health Plan SimplyOne | $540 |
| Trempealeau | Medica Silver Standard | $588 |
| Vernon | Dean Health Plan Dean Silver | $516 |
| Vilas | Security Health Plan SimplyOne | $503 |
| Walworth | MercyCare HMO Silver | $453 |
| Washburn | Medica Essentia Choice Care | $514 |
| Washington | Anthem Silver Pathway | $451 |
| Waukesha | Anthem Silver Pathway | $451 |
| Waupaca | Common Ground CGHC Silver | $439 |
| Waushara | Common Ground CGHC Silver | $439 |
| Winnebago | Anthem Silver Pathway | $433 |
| Wood | Security Health Plan SimplyOne | $498 |
Table: Comparison of Health Insurance Providers in Wisconsin
| Provider | Plan Types | Coverage Highlights | Average Premium | Best For |
|---|---|---|---|---|
| BlueCross BlueShield | HMO | Preventive care, wellness programs | $400-600/month | Preventive health |
| Cigna Health Insurance | PPO, EPO | Wide network | $450-650/month | Network flexibility |
| Oscar Health Insurance | PPO, HMO, EPO | Variety of plans | $420-700/month | Customizable coverage |
| UnitedHealthcare | HMO, EPO | Affordable plans | $350-550/month | Budget-conscious users |
Bronze Plans: Average Monthly Health Insurance Costs
| Company | Age 30 | Age 40 | Age 50 | Age 60 |
|---|---|---|---|---|
| Aetna | $384 | $432 | $604 | $916 |
| Ambetter | $405 | $456 | $637 | $968 |
| Blue Cross Blue Shield | $421 | $474 | $663 | $1,007 |
| Cigna | $441 | $497 | $694 | $1,054 |
| Kaiser Permanente | $357 | $402 | $561 | $853 |
| Molina Healthcare | $441 | $497 | $695 | $1,056 |
| Oscar | $417 | $470 | $657 | $998 |
| UnitedHealthcare | $402 | $453 | $633 | $962 |
Silver Plans: Average Monthly Health Insurance Costs
| Company | Age 30 | Age 40 | Age 50 | Age 60 |
|---|---|---|---|---|
| Aetna | $468 | $526 | $735 | $1,115 |
| Ambetter | $470 | $529 | $739 | $1,123 |
| Blue Cross Blue Shield | $541 | $609 | $851 | $1,293 |
| Cigna | $517 | $582 | $813 | $1,235 |
| Kaiser Permanente | $461 | $519 | $726 | $1,103 |
| Molina Healthcare | $450 | $505 | $706 | $1,069 |
| Oscar | $504 | $567 | $792 | $1,204 |
| UnitedHealthcare | $519 | $585 | $817 | $1,241 |
Gold Plans: Average Monthly Health Insurance Costs
| Company | Age 30 | Age 40 | Age 50 | Age 60 |
|---|---|---|---|---|
| Aetna | $494 | $556 | $778 | $1,179 |
| Ambetter | $505 | $569 | $795 | $1,207 |
| Blue Cross Blue Shield | $588 | $662 | $925 | $1,406 |
| Cigna | $649 | $731 | $1,022 | $1,552 |
| Kaiser Permanente | $483 | $544 | $760 | $1,154 |
| Molina Healthcare | $494 | $555 | $777 | $1,176 |
| Oscar | $529 | $596 | $833 | $1,265 |
| UnitedHealthcare | $550 | $620 | $866 | $1,316 |
Platinum Plans: Average Monthly Health Insurance Costs
| Company | Age 30 | Age 40 | Age 50 | Age 60 |
|---|---|---|---|---|
| Blue Cross Blue Shield | $926 | $1,042 | $1,457 | $2,214 |
| Kaiser Permanente | $544 | $613 | $856 | $1,301 |
Average Cost of Health Insurance by Family Size in Wisconsin
How much you pay in total for health insurance depends on the size of your family.
In Wisconsin, you’ll pay an average of $340 per month for each child under the age of 15 in your family. After age 15, health insurance rates increase with the child’s age.
A family in Wisconsin with a single 40-year-old and one 14-year-old pays $909 per month before discounts on average. A couple with one child pays an average of $1,477 per month, and a family of four pays $1,817 per month, on average.
| Family size | Average monthly cost |
|---|---|
| Individual | $568 |
| Individual + Child | $909 |
| Couple, age 40 | $1,137 |
| Family of three | $1,477 |
| Family of four | $1,817 |
| Family of five | $2,157 |
Best Cheap Health Insurance Plans in Wisconsin
When searching for affordable health insurance in Oregon, it’s important to evaluate plans that provide essential coverage at reasonable rates. Here’s a breakdown of some common options:
- Bronze Plans: These plans have the lowest premiums but higher deductibles and out-of-pocket costs. They’re great for healthy individuals who rarely need medical care but want protection for major emergencies.
- Silver Plans: A balance between premium cost and coverage. Silver plans often qualify for cost-sharing reductions, making them ideal for low-income families.
- Catastrophic Plans: Available to individuals under 30 or those with a hardship exemption, these plans have very low premiums and cover emergency care after meeting a high deductible.
Sample Costs of Popular Plans
| Plan Type | Average Monthly Premium | Deductible | Out-of-Pocket Max |
|---|---|---|---|
| Bronze Plan | $300 – $400 | $6,000 – $8,500 | $8,500 |
| Silver Plan | $400 – $600 | $3,000 – $5,000 | $7,000 |
| Catastrophic Plan | $150 – $250 | $9,000 – $10,000 | $10,000 |
How to Get a Free Quote for Health Insurance in Wisconsin
Online Quote Tools
The easiest way to get a free quote is through online tools. Many insurers and the Wisconsin Health Insurance Marketplace offer calculators where you can input:
- Age
- Household income
- Coverage needs
These tools instantly display plans and prices tailored to your profile, saving you time and effort.
Local Insurance Agents and Brokers
Working with a licensed agent or broker can also simplify the process. They have in-depth knowledge of the Wisconsin insurance market and can:
- Help you compare plans.
- Explain complex terms.
- Ensure you maximize subsidies and credits.
Brokers are typically compensated by insurers, so their services are free for consumers.
Steps to Get an Accurate Quote
- Gather your personal information, including income details and household size.
- List your medical needs and preferred healthcare providers.
- Use a reliable platform like Healthcare.gov or a trusted broker’s website to request quotes.
- Review the options carefully and take your time to choose.
The Impact of the Affordable Care Act in Wisconsin
Key Benefits for Wisconsin Residents
The Affordable Care Act (ACA) transformed the health insurance landscape in Wisconsin by:
- Eliminating discrimination based on pre-existing conditions.
- Expanding Medicaid coverage for low-income adults.
- Providing subsidies that make insurance more affordable.
For instance, a family of four earning $60,000 annually could qualify for significant premium reductions, making quality coverage accessible.
Changes to Medicaid Expansion
While Wisconsin didn’t fully adopt Medicaid expansion, it extended coverage to adults earning up to 100% of the federal poverty level (FPL). This policy ensures low-income residents have access to essential healthcare services without exorbitant costs.
How ACA Impacts Low-Income Families
Families earning between 100–400% of the FPL benefit greatly from ACA subsidies. Additionally, children in these families may qualify for the Children’s Health Insurance Program (CHIP), which provides robust coverage for pediatric care.
Short-Term Health Insurance Options in Wisconsin
Who Should Consider Short-Term Plans?
Short-term health insurance plans are ideal for:
- Individuals between jobs.
- Recent graduates waiting for employer coverage.
- Those who missed open enrollment and don’t qualify for a Special Enrollment Period.
These plans offer temporary coverage, usually for up to 12 months, and can bridge gaps in healthcare access.
Pros and Cons of Short-Term Insurance
Pros:
- Low monthly premiums.
- Quick enrollment process.
- Flexible coverage periods.
Cons:
- Limited benefits compared to ACA-compliant plans.
- Excludes coverage for pre-existing conditions.
- May have high out-of-pocket costs.
Popular Short-Term Health Insurance Providers
Several companies in Wisconsin offer short-term insurance, including:
- National General: Affordable premiums with basic coverage.
- Pivot Health: Customizable plans with optional add-ons.
- UnitedHealthcare: Flexible terms and nationwide networks.
Common Mistakes to Avoid When Buying Health Insurance
Overlooking Plan Details
Don’t just focus on premiums; review the entire policy. Ignoring coverage details could leave you with unexpected expenses, like high copays for specialist visits or no coverage for essential drugs.
Ignoring Out-of-Pocket Costs
Pay close attention to:
- Deductibles
- Coinsurance
- Out-of-pocket maximums
For example, a plan with a low premium but a $10,000 deductible might not be the best choice for someone with chronic medical needs.
Failing to Verify Provider Networks
Ensure your preferred doctors, hospitals, and specialists are in-network. Out-of-network care often costs significantly more, and some plans may not cover it at all.
FAQs About Health Insurance in Wisconsin
What is the average cost of health insurance in Wisconsin?
The average monthly premium for individual plans in Wisconsin ranges from $300 to $500, depending on the level of coverage and age of the enrollee. Subsidies can significantly lower these costs for eligible residents.
Can I get health insurance if I’m unemployed?
Yes, unemployed individuals can access coverage through the Wisconsin Health Insurance Marketplace. Depending on income, they may qualify for Medicaid or subsidies that make premiums more affordable.
What is the penalty for not having health insurance in Wisconsin?
While there is no federal penalty for being uninsured as of 2019, going without coverage can leave you financially vulnerable to high medical expenses.
Are there health insurance options for small business owners?
Yes, Wisconsin offers small business health insurance plans through the SHOP marketplace, providing group coverage for employees with potential tax incentives.
When is the open enrollment period for Wisconsin residents?
The open enrollment period typically runs from November 1 to January 15. Special enrollment is available for qualifying life events, like marriage, childbirth, or job loss.
