Cheapest Health Insurance in Wisconsin (2026)

When we analyzed Wisconsin's marketplace plans, the gap between the cheapest and most expensive carrier was $209 a month, or $2,508 a year, for the same 40-year-old profile. MercyCare Health Plans has the lowest rate at $545 a month. Its average deductible comes in at $4,038, which is $2,079 more than HealthPartners' $1,959 for PPO coverage.

Group Health Cooperative Scw and Dean Health Plan at $635 and $637 monthly are close in premium cost. Group Health Cooperative Scw's Platinum option carries a $2,625 maximum out-of-pocket. Dean Health Plan's EPO plans average $5,950.

Wisconsin residents save $206 monthly with MercyCare Health Plans at $545 average monthly rates compared to the statewide average. 

MercyCare has the cheapest health insurance across Wisconsin. Group Health Cooperative SCW ranks second at $635 a month, and Dean Health Plan follows at $637 a month. MercyCare's lower premiums come with higher deductibles and maximum out-of-pocket costs.

* We determine average monthly costs by rounding the mean of all monthly plan rates for each provider in Wisconsin. We calculate average monthly savings by comparing each provider's average rate against the statewide average to demonstrate the cost difference below the state benchmark.

MercyCare Health Plans provides the most affordable rates across Wisconsin demographics. Selecting the best health insurance provider requires more than premium comparisons. Your rate depends on age, chosen plan type and metal tier selection.

* These are average rates for all plan types and metal levels, with teens at 18 years old, young adults at 26 years old, adults at 40 years old and seniors at 60 years old. For plan type costs, we used average rates for 40-year-olds. 

HealthPartners PPO costs $72 more per month than MercyCare HMO, yet it carries a $331 lower deductible, $1,959 versus $2,290. For Wisconsin residents who file claims regularly, that deductible advantage narrows the cost gap between PPO and HMO

The HSA-eligible MercyCare plan costs $4 more per month than the standard HMO, $551 versus $547. The trade-off is a higher deductible of $5,025, which doubles as the HSA contribution ceiling, a structure suited to high earners who fund the account fully.

For 40-year-olds in Wisconsin, Dean Health Plan has the most affordable Expanded Bronze coverage at $387 monthly. MercyCare Health Plans leads Bronze at $388 per month and Silver at $547 monthly.

Aspirus Health Plan provides the cheapest Catastrophic plans at $393 per month and MercyCare Gold coverage costs $556 per month with a $1,500 deductible. Group Health Cooperative Scw Platinum coverage costs $635 monthly with no deductible and a $2,625 maximum out-of-pocket limit.

Aspirus Catastrophic runs $393 monthly against MercyCare Bronze at $388, $10,600 for Catastrophic versus $7,500 for Bronze. For $5 more per month, Bronze cuts your worst-case annual exposure by $3,100.

Platinum from Group Health Cooperative Scw at $635 monthly with no deductible pays off only if you expect to hit your deductible every year. The $88 monthly gap over MercyCare Silver takes 26 months of premium payments to recoup through deductible savings alone.

The table lets you filter Wisconsin health insurance plans by age, plan type, metal level and HSA eligibility to find the lowest rate for your profile:

At the same $543 monthly rate, MercyCare Silver Standard carries a $2,617 deductible and $5,117 maximum out-of-pocket versus Group Health Cooperative Scw at $3,100 and $5,657. Same price, lower exposure.

These guidelines can help you find comprehensive coverage at a fair price.

MercyCare Health Plans has the lowest average monthly rate in Wisconsin at $545. Healthy adults save $2,472 a year against the statewide average.

Anyone managing a chronic condition or taking regular prescriptions should compare HealthPartners and Dean Health Plan too. Their monthly premiums cost more. For frequent users, the lower deductibles and out-of-pocket limits offset that gap over a full year.

Group Health Cooperative SCW's Platinum option at $635 a month with no deductible pays off only if you expect to hit your deductible every year. At $88 more a month than MercyCare Silver, the break-even on deductible savings takes 26 months.

Seniors turning 65 should check Medicare eligibility before buying a marketplace plan. At $1,161 a month, MercyCare is the cheapest marketplace option for 60-year-olds in MoneyGeek's rate data, but Medicare or Medicare Advantage costs less for many buyers once they qualify.

We gathered plan data from the federal health insurance marketplace. Our analysis covered all available plans from 10 carriers across Wisconsin for consumers aged 18 to 60. We examined costs at five age points: 18, 26, 40, 50 and 60.

Our cheapest overall rankings focus on 40-year-old monthly premiums as this age group is the most common and provides a clear comparison. Age-specific rankings reflect their own premium costs. Lower premiums often come with higher deductibles and out-of-pocket maximums, which increase your costs when you use care.