Best Health Insurance in Wisconsin (2026)

MercyCare offers the best health insurance in Wisconsin. Group Health Cooperative, Aspirus Health Plan, Network Health and UnitedHealthcare also provide excellent options.

Discover top health insurance plans in Wisconsin below.

Written by Mark Fitzpatrick

Updated: February 1, 2026

Advertising & Editorial Disclosure

Key Takeaways

MercyCare is Wisconsin's top health insurer, combining competitive premiums with robust coverage options across every metal tier.

MercyCare also provides the cheapest health insurance in Wisconsin, with Silver-tier HMO plans averaging $547 per month.

When shopping for health insurance in Wisconsin, get quotes from multiple insurers. Review coverage limits, deductibles and out-of-pocket maximums. Confirm your preferred doctors and hospitals are in-network before enrolling.

Best Health Insurance Companies in Wisconsin

MercyCare achieves a perfect 5 out of 5 MoneyGeek score for the best health insurance in Wisconsin. Its Silver HMO plans cost $549 monthly on average, which is 19% to 25% below state averages across all plan types. Group Health Cooperative, Aspirus Health Plan, Network Health and UnitedHealthcare also rank among the top five providers.


Mercycare Health Plans	$547	$4,226	$2,290	5.0	Mercycare Silver Health Savings
Group Health Cooperative Scw	$605	$4,280	$2,929	4.6	Better Together Hmo Silver 6000 Ded/8900 Moop
Aspirus Health Plan	$644	$4,332	$3,105	4.4	Hmo Hdhp Silver 5900
Network Health	$612	$5,486	$2,948	4.3	Prestige Silver Essential + 3 Free Pcp Visits
UnitedHealthcare	$663	$5,720	$2,389	4.3	Uhc Silver Value ($0 Virtual Urgent Care, $8 Tier 2 Rx, No Referrals)
Anthem	$620	$5,664	$2,783	4.3	Anthem Silver Pathway/Lean 4000 ($0 Pcp Visits + $0 Select Drugs + Incentives)
Dean Health Plan	$655	$5,950	$2,305	4.3	Dean Silver Share
Security Health Plan	$766	$7,045	$2,332	4.0	Enrich $5,000 Hdhp
Quartz	$715	$6,019	$4,200	3.6	Quartz Gundersen Performance Silver Standard Easy Pricing

*Our picks reflect the best companies for 40-year-olds seeking Silver-tier HMO plans. Rates vary by age and coverage level.

MercyCare Health Plans

MoneyGeek Rating

5/ 5

5/5Affordability

5/5Deductible

5/5MOOP

Average Monthly Rate
$547
Average MOOP
$4,226
Average Deductible
$2,290

pros
- Ranks first statewide for affordability across all metal tiers
- Gold plans offer low $1,500 deductibles for predictable costs
- Silver plans feature competitive maximum out-of-pocket limits
- Broad plan availability from Bronze through Gold metal tiers
cons
- Offers HMO plans only with network restrictions
- Bronze plans carry high $7,500 deductibles and MOOP limits
MercyCare sells HMO coverage across all metal tiers in Wisconsin with budget-friendly options for many residents. MercyCare has two Silver plans: one costs $547 monthly with a $2,290 deductible and $4,226 out-of-pocket maximum. An HSA-eligible Silver plan costs $551 monthly with $5,025 matching deductibles and maximums. Both plans scored perfectly from MoneyGeek and rank as the best in Wisconsin for the Silver tier.

Bronze coverage costs $388 monthly through MercyCare ($94 below the state average) but has high $7,500 deductibles and out-of-pocket maximums. Expanded Bronze costs $422 monthly with HSA eligibility and $5,625 deductibles. Gold plans average $556 monthly with lower $1,500 deductibles and $6,150 out-of-pocket limits. MercyCare combines competitive premiums with strong Silver plan performance. Choose MercyCare if you want predictable healthcare costs.
MercyCare health insurance plans in Wisconsin:
Data filtered by:
Metal Level
Bronze
Mercycare Bronze 10,000 (1 Free Pcp Visit) $388 HMO Bronze $7,500 $7,500 Yes


Mercycare Bronze 10,000 (1 Free Pcp Visit)	$388	HMO	Bronze	$7,500	$7,500	Yes

Group Health Cooperative-SCW

MoneyGeek Rating

4.6/ 5

4.7/5Affordability

4/5Deductible

4.9/5MOOP

Average Monthly Rate
$605
Average MOOP
$4,280
Average Deductible
$2,929

pros
- $0 deductibles available on all Platinum plans
- Low $1,542 deductibles offered on select Gold plans
- Plan options available across all major metal tiers
- Affordable premiums compared to Wisconsin market averages
cons
- Offers HMO network plans only
- Bronze plans feature high $6,225 deductibles and $7,950 MOOP limits
Group Health Cooperative-SCW sells affordable Gold HMO plans and is Wisconsin's only Platinum plan provider. The company has two Gold HMO options: one costs $586 monthly ($139 below state averages) with a $1,542 deductible and $4,717 out-of-pocket maximum. An HSA-eligible plan costs $595 monthly ($154 below typical rates) with $4,000 matching deductibles and maximums. Platinum coverage costs $635 monthly with a $0 deductible and $2,625 maximum out-of-pocket costs.

Silver HMO plans cost $605 and $641 monthly. Bronze coverage costs $487 monthly with HSA eligibility. Group Health Cooperative-SCW works for Wisconsin residents who want deeply discounted Gold premiums or Platinum protection with low costs and predictable healthcare expenses.

Group Health Cooperative health insurance plans for 2026:

Data filtered by:


Partners Hmo Bronze 6000 Ded/10600 Moop Hsa	$474	HMO	Bronze	$7,950	$4,500	Yes
Partners Hmo Bronze 10600 Ded/10600 Moop Hsa	$500	HMO	Bronze	$7,950	$7,950	Yes

Aspirus Health Plan

MoneyGeek Rating

4.4/ 5

4.5/5Affordability

3.7/5Deductible

4.9/5MOOP

Average Monthly Rate
$644
Average MOOP
$4,332
Average Deductible
$3,105

pros
- Low $1,763 deductibles available on Gold tier plans
- Comprehensive coverage across Bronze through Gold metal tiers
- Both HMO and POS plan structures available
cons
- Higher out-of-pocket maximums on Bronze tier plans
Aspirus Health Plan sells HMO plans from Bronze through Gold tiers and POS plans from Bronze to Silver tiers. Catastrophic HMO costs $393 monthly ($100 below state averages) but has high $10,600 deductibles matching out-of-pocket maximums. Aspirus has many plan options across multiple tiers and plan types. HMO Bronze costs $493 monthly with HSA eligibility. POS Bronze costs $572 monthly with greater network flexibility and perfect scores. Aspirus has two Silver options: HMO costs $644 to $661 monthly and POS costs $716 monthly. Gold tier HMO costs $682 monthly with $1,763 deductibles. Gold is not available for POS plans. Aspirus works best for Wisconsin residents who want Catastrophic affordability or plan type variety across HMO and POS networks.
Aspirus Health Plan health insurance plans for 2026:
Data filtered by:
Plan Type
HMO
Metal Level
Bronze
Hmo Bronze 10000 $493 HMO Bronze $7,500 $7,500 Yes


Hmo Bronze 10000	$493	HMO	Bronze	$7,500	$7,500	Yes

Best Wisconsin Health Insurance by Category

Wisconsin health insurance costs change by age and network type. Certain insurers consistently lead in affordability and coverage. Silver-tier plans show clear leaders across age groups and network types. This helps residents identify the best options for their healthcare needs:

By Age:

Teens (18): MercyCareHMO ($391 monthly), Dean Health Plan EPO ($411), HealthPartners PPO ($442)
Young adults (26): MercyCare HMO ($438 monthly), Dean Health Plan EPO ($461), HealthPartners PPO ($496)
Adults (40): MercyCare HMO ($547 monthly), Dean Health Plan EPO ($576), HealthPartners PPO ($619)
Seniors (60): MercyCare HMO ($1,161 monthly), Dean Health Plan EPO ($1,222), HealthPartners PPO ($1,314)

By Network Type (40-year-olds):

HMO: MercyCare offers the most affordable option at $547 monthly
EPO: Dean Health Plan provides Silver-tier coverage for $576 monthly
PPO: HealthPartners delivers comprehensive benefits at $619 monthly
POS: Anthem has the best POS plans in Wisconsin at $716 per month, with $3,100 deductibles and $5,657 MOOP limits.

Compare Health Insurance Companies in Wisconsin

Health insurance costs vary widely between providers and metal tiers in Wisconsin. The comparison table below breaks down plans by age, coverage level and HSA eligibility to help you find suitable options.

Data filtered by:


Mercycare Health Plans	$547	HMO	Silver	$4,226	$2,290	40	No
Group Health Cooperative Scw	$605	HMO	Silver	$4,280	$2,929	40	No
Network Health	$612	HMO	Silver	$5,486	$2,948	40	No
Anthem	$620	HMO	Silver	$5,664	$2,783	40	No
Aspirus Health Plan	$644	HMO	Silver	$4,332	$3,105	40	No
Dean Health Plan	$655	HMO	Silver	$5,950	$2,305	40	No
UnitedHealthcare	$663	HMO	Silver	$5,720	$2,389	40	No
Quartz	$715	HMO	Silver	$6,019	$4,200	40	No
Security Health Plan	$766	HMO	Silver	$7,045	$2,332	40	No

*Some providers offer multiple plans of the same type and tier. Rates are based on company averages across all available plans for the given age, plan type and metal tier.

How to Find the Best Health Insurance in Wisconsin

Finding the right health insurance in Wisconsin requires comparing your coverage needs, checking insurer reputations and exploring enrollment options.

Decide on your coverage needs before buying

Consider how often you seek medical care and compare monthly premiums against out-of-pocket limits. If you visit doctors frequently, plans with higher monthly costs but lower maximum out-of-pocket limits often save money long-term. For those rarely needing care, lower-premium plans with higher out-of-pocket expenses may work better. Review HMO, PPO and EPO plan types to understand network flexibility and referral requirements.

Compare company offerings and reputations

Research what plans insurers offer in your Wisconsin zip code and compare coverage terms, provider networks and benefits. Check company reputations through J.D. Power ratings and state complaint databases to verify claims handling and customer service quality before making your decision.

Shop around

Wisconsin health insurance rates vary based on age, plan type and coverage level. Open Enrollment runs from November 1 to January 15. Special Enrollment applies after qualifying life events like job loss, divorce, marriage or having a child. Compare quotes from multiple insurers to find the best value for your situation.

Take advantage of federal programs and subsidies

Depending on your income, age or health condition, you may qualify for federal subsidies through Wisconsin's federal marketplace. Some residents may be eligible for $0 premium plans or expanded Medicaid coverage. Those 65 and older can explore Medicare Supplement and Medicare Advantage plans for additional coverage options beyond original Medicare.

Average Health Insurance Cost in Wisconsin

Wisconsin health insurance costs change based on plan type, metal tier, age and location. HMO plans are the most affordable choice overall, with Bronze coverage averaging $569 monthly and Platinum at $836. EPO plans cost more, ranging from $655 for Bronze to $1,157 for Platinum. PPO options are only available in Silver and Gold tiers, at $610 and $712 respectively, while POS plans are the most expensive in the state, ranging from $717 for Bronze to $1,364 for Platinum plans.


PPO	No Data	$610	$712	No Data
HMO	$569	$710	$738	$836
EPO	$655	$755	$775	$1,157
POS	$717	$939	$1,122	$1,364

*Average monthly premiums for 40-year-olds in Wisconsin by plan type. Rates vary by age and location.

Best Health Insurance in Wisconsin: Bottom Line

MercyCare, Group Health Cooperative and Aspirus Health Plan are the top health insurance copmanies in Wisconsin for the 2026 plan year. The best choice for you depends on your age, health needs, budget and preferred provider network. Get quotes from multiple insurers and compare premiums, deductibles and out-of-pocket maximums to find your ideal coverage.

Best Wisconsin Health Insurance: FAQ

Top questions about finding the best health insurance in Wisconsin:

Is health insurance required in Wisconsin?

Wisconsin doesn't require residents to have health insurance. The state has no mandate or penalty for being uninsured. You can still get federal subsidies through the health insurance marketplace to make coverage more affordable if you qualify based on income.

When is open enrollment in Wisconsin?

Wisconsin's open enrollment for 2026 health coverage begins November 1, 2025, and ends January 31, 2026. You must select your plan by December 31, 2025, to start coverage on January 1, 2026.

Can you get free health insurance in Wisconsin?

Wisconsin residents can qualify for free health insurance through BadgerCare Plus, the state's Medicaid program, if they meet income requirements. Many others receive subsidies through the federal marketplace that significantly reduce or eliminate monthly premiums, making coverage affordable for middle-income families.

How We Chose the Best Health Insurance in Wisconsin

Our ranking system evaluates health insurance plans based on three cost factors: monthly premiums, maximum out-of-pocket limits and deductibles.

Scoring breakdown:

Monthly premium (60%): Plans with the lowest average monthly costs receive the top ratings.
Maximum out-of-pocket (MOOP) score (20%): This represents the most you'll pay for covered services in a year, excluding premiums. Plans with lower MOOP limits earn better scores.
Deductible (20%): The amount you pay for covered services before insurance begins paying. Plans requiring lower deductibles receive higher ratings.

We standardized all scores within each plan category. The highest-scoring Silver-tier HMO plan receives a 5.0 rating, with other plans scored relative to this benchmark.

MoneyGeek analyzed every 2026 health insurance plan available to Wisconsin residents ages 18, 26, 40, 50 and 60. Premium costs reflect 40-year-old rates unless stated otherwise. Our review covers all available metal tiers: Catastrophic, Bronze, Expanded Bronze, Silver, Gold and Platinum.

About Mark Fitzpatrick

Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in CNBC, NBC News and Mashable.

Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!

He writes about economics and insurance, breaking down complex topics so people know what they're buying.

Read Full Bio »

Best Health Insurance in Wisconsin (2026)

Best Health Insurance Companies in Wisconsin

Best Wisconsin Health Insurance by Category

Compare Health Insurance Companies in Wisconsin

How to Find the Best Health Insurance in Wisconsin

Average Health Insurance Cost in Wisconsin

Best Health Insurance in Wisconsin: Bottom Line

Best Wisconsin Health Insurance: FAQ

Is health insurance required in Wisconsin?

When is open enrollment in Wisconsin?

Can you get free health insurance in Wisconsin?

How We Chose the Best Health Insurance in Wisconsin

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