MercyCare Health Plans offers Wisconsin's most affordable health insurance, with an average monthly premium of $485. Availability can vary, so consider Anthem (BCBS) and UnitedHealthcare for affordable health plans.
Cheapest Health Insurance in Wisconsin: Affordable Plans for 2025
Updated: November 7, 2025
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Key Takeaways
MercyCare Health Plans provides Wisconsin's most affordable health insurance, saving policyholders an average of $110 per month compared to the state average.
Group Health Cooperative-SCW offers top-rated full coverage Platinum plans, with affordable pricing starting at $592 monthly.
Finding the cheapest health insurance starts with selecting a coverage level within your budget, checking your subsidy eligibility and comparing plans from several companies.
Most Affordable Health Insurance Companies in Wisconsin
| MercyCare Health Plans | $485 | $5,822 | $8,950 |
| UnitedHealthcare | $489 | $5,871 | $9,380 |
| Anthem (BCBS) | $491 | $5,894 | $8,875 |
| Dean Health Plan | $504 | $6,046 | $9,133 |
| Common Ground Healthcare Cooperative | $550 | $6,602 | $8,434 |
| HealthPartners | $562 | $6,738 | $9,108 |
| Chorus Community Health Plans | $572 | $6,860 | $8,960 |
| Molina | $578 | $6,933 | $8,563 |
| Aspirus Arise | $605 | $7,256 | $8,750 |
| Security Health Plan | $611 | $7,336 | $9,234 |
| Network Health | $651 | $7,815 | $9,100 |
| Medica | $670 | $8,044 | $8,900 |
| Group Health Cooperative-SCW | $676 | $8,111 | $8,800 |
| Quartz | $692 | $8,304 | $9,300 |
*These plans reflect rates for 40-year-olds who aren't considered low-income.
Cheapest Health Insurance Provider Wisconsin: MercyCare Health Plans
MercyCare Health Plans
MoneyGeek Score:
97/ 100
Overview
MercyCare was founded in 1994 and serves northern Illinois and southern Wisconsin through the Mercyhealth hospital system. At $485 monthly, you'll save $1,323 yearly compared to Wisconsin's average Silver plan premium.
All preventive care, vaccinations, screenings, and check-ups come free, so you won't pay anything for flu shots, mammograms, or wellness visits. MercyCare provides health and wellness educators for members with chronic conditions to help you reach health goals. The company approves 90% of claims based on our analysis of denial rates.
Your coverage connects you to seven hospitals and over 85 specialty facilities across 50 communities. The HMO doesn't require referrals for specialists, giving you more flexibility than typical HMO networks while keeping premiums low.
Cheapest Wisconsin Health Insurance Plans by Profile
While we've summarized the cheapest companies for most in Wisconsin, the most affordable plan for you will differ widely depending on your desired coverage tier and age. Below are the cheapest companies by category for most in the area:
| Children (0-14) | MercyCare Health Plans | $290 | $3,485 | $8,950 |
| Teens (18) | MercyCare Health Plans | $347 | $4,159 | $8,950 |
| Young Adults (26) | MercyCare Health Plans | $389 | $4,665 | $8,950 |
| Adults (40) | MercyCare Health Plans | $485 | $5,822 | $8,950 |
| People with Low Back Pain (40) | Anthem (BCBS) | $491 | $5,894 | $8,875 |
| Cheapest EPO (40) | Dean Health Plan | $504 | $6,046 | $9,133 |
| Cheapest PPO (40) | HealthPartners | $562 | $6,738 | $9,108 |
| People with Depression (40) | Chorus Community Health Plans | $572 | $6,860 | $8,960 |
| Cheapest POS (40) | Anthem (BCBS) | $651 | $7,817 | $8,875 |
| Seniors (60) | MercyCare Health Plans | $1,030 | $12,364 | $8,950 |
Cheapest Health Insurance Plans by County in Wisconsin
While MercyCare Health Plans is the cheapest provider overall, Security Health Plan is the most affordable and widely available for Silver plans in most counties. Below, you can review which company and plan are most affordable in your area.
| Adams | Dean Health Plan | $496 | Dean Silver Copay Elite 4800X |
| Ashland | Security Health Plan | $575 | Premier $5,900 - 40% |
| Barron | Security Health Plan | $484 | SimplyOne $5,500 - 30% Copay |
| Bayfield | Security Health Plan | $575 | Premier $5,900 - 40% |
| Brown | UnitedHealthcare | $438 | UHC Silver Advantage |
| Buffalo | Quartz | $524 | QUARTZ ONE SILVER I303 VALUE TIER RX |
| Burnett | Security Health Plan | $575 | Premier $5,900 - 40% |
| Calumet | Security Health Plan | $400 | Enrich $5,500 - 30% Copay |
| Chippewa | Security Health Plan | $575 | Premier $5,900 - 40% |
| Clark | Security Health Plan | $484 | SimplyOne $5,500 - 30% Copay |
| Columbia | Anthem (BCBS) | $446 | Anthem Silver Blue Priority/Lean 5900/40% Standard |
| Crawford | Dean Health Plan | $496 | Dean Silver Copay Elite 4800X |
| Dane | Dean Health Plan | $464 | Dean Silver Copay PCP 4500X |
| Dodge | Security Health Plan | $400 | Enrich $5,500 - 30% Copay |
| Door | UnitedHealthcare | $438 | UHC Silver Advantage |
| Douglas | Security Health Plan | $575 | Premier $5,900 - 40% |
| Dunn | Security Health Plan | $575 | Premier $5,900 - 40% |
| Eau Claire | Security Health Plan | $575 | Premier $5,900 - 40% |
| Florence | Security Health Plan | $484 | SimplyOne $5,500 - 30% Copay |
| Fond du Lac | Security Health Plan | $400 | Enrich $5,500 - 30% Copay |
| Forest | Security Health Plan | $484 | SimplyOne $5,500 - 30% Copay |
| Grant | Dean Health Plan | $496 | Dean Silver Copay Elite 4800X |
| Green | Anthem (BCBS) | $446 | Anthem Silver Blue Priority/Lean 5900/40% Standard |
| Green Lake | Dean Health Plan | $496 | Dean Silver Copay Elite 4800X |
| Iowa | Dean Health Plan | $496 | Dean Silver Copay Elite 4800X |
| Iron | Security Health Plan | $484 | SimplyOne $5,500 - 30% Copay |
| Jackson | Quartz | $524 | QUARTZ ONE SILVER I303 VALUE TIER RX |
| Jefferson | Anthem (BCBS) | $446 | Anthem Silver Blue Priority/Lean 5900/40% Standard |
| Juneau | Dean Health Plan | $496 | Dean Silver Copay Elite 4800X |
| Kenosha | Anthem (BCBS) | $402 | Anthem Silver Pathway/Lean 5900/40% Standard |
| Kewaunee | UnitedHealthcare | $438 | UHC Silver Advantage |
| La Crosse | Quartz | $524 | QUARTZ ONE SILVER I303 VALUE TIER RX |
| Lafayette | Dean Health Plan | $496 | Dean Silver Copay Elite 4800X |
| Langlade | Security Health Plan | $484 | SimplyOne $5,500 - 30% Copay |
| Lincoln | Security Health Plan | $484 | SimplyOne $5,500 - 30% Copay |
| Manitowoc | UnitedHealthcare | $438 | UHC Silver Advantage |
| Marathon | Security Health Plan | $484 | SimplyOne $5,500 - 30% Copay |
| Marinette | UnitedHealthcare | $438 | UHC Silver Advantage |
| Marquette | Dean Health Plan | $496 | Dean Silver Copay Elite 4800X |
| Menominee | UnitedHealthcare | $438 | UHC Silver Advantage |
| Milwaukee | Anthem (BCBS) | $402 | Anthem Silver Pathway/Lean 5900/40% Standard |
| Monroe | Quartz | $524 | QUARTZ ONE SILVER I303 VALUE TIER RX |
| Oconto | UnitedHealthcare | $438 | UHC Silver Advantage |
| Oneida | Security Health Plan | $484 | SimplyOne $5,500 - 30% Copay |
| Outagamie | Security Health Plan | $400 | Enrich $5,500 - 30% Copay |
| Ozaukee | UnitedHealthcare | $438 | UHC Silver Advantage |
| Pepin | Security Health Plan | $575 | Premier $5,900 - 40% |
| Portage | Security Health Plan | $484 | SimplyOne $5,500 - 30% Copay |
| Price | Security Health Plan | $484 | SimplyOne $5,500 - 30% Copay |
| Racine | Anthem (BCBS) | $402 | Anthem Silver Pathway/Lean 5900/40% Standard |
| Richland | Dean Health Plan | $496 | Dean Silver Copay Elite 4800X |
| Rock | Anthem (BCBS) | $446 | Anthem Silver Blue Priority/Lean 5900/40% Standard |
| Rusk | Security Health Plan | $484 | SimplyOne $5,500 - 30% Copay |
| Sauk | Dean Health Plan | $496 | Dean Silver Copay Elite 4800X |
| Sawyer | Security Health Plan | $575 | Premier $5,900 - 40% |
| Shawano | UnitedHealthcare | $438 | UHC Silver Advantage |
| Sheboygan | Security Health Plan | $400 | Enrich $5,500 - 30% Copay |
| Taylor | Security Health Plan | $484 | SimplyOne $5,500 - 30% Copay |
| Trempealeau | Quartz | $524 | QUARTZ ONE SILVER I303 VALUE TIER RX |
| Vernon | Dean Health Plan | $496 | Dean Silver Copay Elite 4800X |
| Vilas | Security Health Plan | $484 | SimplyOne $5,500 - 30% Copay |
| Walworth | Anthem (BCBS) | $446 | Anthem Silver Blue Priority/Lean 5900/40% Standard |
| Washburn | Security Health Plan | $575 | Premier $5,900 - 40% |
| Washington | UnitedHealthcare | $438 | UHC Silver Advantage |
| Waukesha | UnitedHealthcare | $438 | UHC Silver Advantage |
| Waupaca | Security Health Plan | $400 | Enrich $5,500 - 30% Copay |
| Waushara | Security Health Plan | $400 | Enrich $5,500 - 30% Copay |
| Winnebago | Security Health Plan | $400 | Enrich $5,500 - 30% Copay |
| Wood | Security Health Plan | $484 | SimplyOne $5,500 - 30% Copay |
How to Find the Cheapest Health Insurance in Wisconsin
Follow these steps to find affordable health insurance in Wisconsin:
- 1Determine coverage plan needs and affordability
Your coverage plan type and tier will differ widely depending on your personal health circumstances and income. Calculate how much income you can set aside for monthly premiums, considering your current health and risk for injury or disease based on location, age and lifestyle.
- 2Find out your subsidy eligibility
People earning between $15,650 and $62,600 may qualify for premium tax credits, reducing costs by 40% to 100%. Those with incomes below 250% of the Federal Poverty Level ($39,125) can access cost-sharing reductions, decreasing out-of-pocket expenses up to 73%.
- 3Consider federal programs for eligible age groups
If you're of suitable age, explore Medicare Advantage plans and Medicare Supplement plans. These plans may offer more affordable and flexible alternatives to traditional plans.
- 4Review prescription formularies
Check insurers' prescription coverage for medications you regularly take. Choosing plans with lower-tier placements and reduced copays for your medications can optimize savings and ensure consistent and affordable access to necessary prescriptions, saving you hundreds of dollars each year.
- 5Compare plans during Open Enrollment
Open Enrollment is from November 1 to January 15. You may qualify for Special Enrollment if you have life changes like job loss, divorce or having a child. Evaluate plan types, costs, customer reviews and network availability to find the most suitable and affordable coverage for your circumstances.
MONEYGEEK TIP: MAKE SURE TO APPLY PROMPTLY
To avoid technical issues, apply for coverage at least five days before the enrollment deadline. Prepare your income verification, Social Security numbers and immigration documents to ensure a smooth application process.
Most Affordable Health Insurance in Wisconsin: Bottom Line
Wisconsin's most affordable health insurance companies are MercyCare Health Plans, Anthem (BCBS), HealthPartners and UnitedHealthcare. While we recommend these affordable options, you should compare as many plan types and tier quotes as possible from multiple companies to get the best deal.
Cheap Wisconsin Health Insurance: FAQ
Below are frequently asked questions about finding affordable health insurance in Wisconsin:
What is the cheapest health insurance in Wisconsin?
MercyCare Health Plans offers the cheapest health insurance in Wisconsin, with Silver plans starting at $485 per month for 40-year-olds. Anthem (BCBS), Aspirus Arise, HealthPartners, and UnitedHealthcare also provide affordable choices based on your coverage needs and financial situation.
What are the downsides of a cheap health insurance plan?
Compared to higher-priced plans, cheap health insurance has higher out-of-pocket costs, including deductibles and copays. More expensive plans reduce out-of-pocket expenses and offer more extensive health care coverage.
How We Decided the Cheapest Health Insurance Companies in Wisconsin
MoneyGeek obtained data directly from the Centers for Medicare and Medicaid Services (CMS) on available health insurance plans in Wisconsin based on consumers aged 18, 26, 40, 50 and 60.
We considered the cheapest overall to be those with the lowest monthly premium costs for 40-year-olds, as most in the state are near this age demographic, and for simplicity. However, cheaper plans tend to have higher out-of-pocket maximums and deductibles, meaning you may pay more if you receive care.
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About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like 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.