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: December 26, 2025

Advertising & Editorial Disclosure

Key Takeaways

MercyCare is Wisconsin's top health insurer, offering affordable premiums and comprehensive coverage across all metal tiers.

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

Compare quotes from multiple insurers, review coverage limits and deductibles and verify your doctors accept the plan 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 offers HMO coverage across all metal tiers in Wisconsin, providing budget-friendly options for many residents. A 40-year-old pays about $389 monthly for Bronze coverage with a $7,500 deductible, while Silver plans range from $543 to $551 with deductibles between $1,963 and $5,025. Gold plans start around $557 monthly and feature lower $1,500 deductibles with $6,150 out-of-pocket maximums. Premiums increase with age, so 60-year-olds can expect to pay more across all tiers. Catastrophic plans are available for younger enrollees seeking basic coverage at lower costs.

MercyCare health insurance plans in Wisconsin:


Mercycare Bronze 10,000 (1 Free Pcp Visit)	$388	HMO	Bronze	$7,500	$7,500	Yes
Mercycare Bronze Standard Expanded	$422	HMO	Expanded Bronze	$7,500	$5,625	Yes
Mercycare Gold Standard	$556	HMO	Gold	$6,150	$1,500	No
Mercycare Silver Health Savings	$551	HMO	Silver	$1,963	$1,963	No
Mercycare Silver Health Savings	$551	HMO	Silver	$5,025	$5,025	Yes
Mercycare Silver Standard	$543	HMO	Silver	$5,117	$2,617	No
Mercycare Silver 2,500 (3 Free Pcp Visits)	$546	HMO	Silver	$5,600	No Data	No

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
- Strong affordability performance 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 offers HMO plans across all metal tiers with competitive entry-level pricing. A 40-year-old pays $487 monthly for Bronze coverage with a $6,225 deductible, while Silver plans start at $605 with deductibles around $2,929. Gold coverage runs $531 to $637 monthly with deductibles ranging from $1,542 to $4,000, depending on the specific plan. Platinum plans eliminate deductibles entirely but cost more at $608 to $669 monthly, though they cap out-of-pocket expenses at just $2,625. Premiums increase with age, so 60-year-olds can expect to pay roughly 2.5 times more across all tiers.

Group Health Cooperative health insurance plans for 2026:


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
Better Together Hmo Bronze 6500 Ded/8750 Moop Hsa	$464	HMO	Expanded Bronze	$6,563	$4,875	Yes
Better Together Hmo Bronze 7500 Ded/10000 Moop Hsa	$438	HMO	Expanded Bronze	$7,500	$5,625	Yes
Partners Hmo Bronze 7500 Ded/10000 Moop Hsa	$504	HMO	Expanded Bronze	$7,500	$5,625	Yes
Better Together Hmo Bronze No Medical Ded/10600 Moop Hsa	$479	HMO	Expanded Bronze	$7,950	No Data	Yes
Better Together Hmo Gold 4000 Ded/4000 Moop Hsa	$554	HMO	Gold	$2,000	$2,000	No
Better Together Hmo Gold 4000 Ded/4000 Moop Hsa	$554	HMO	Gold	$4,000	$4,000	Yes
Partners Hmo Gold 4000 Ded/4000 Moop Hsa	$637	HMO	Gold	$2,000	$2,000	No
Partners Hmo Gold 4000 Ded/4000 Moop Hsa	$637	HMO	Gold	$4,000	$4,000	Yes
Better Together Hmo Gold 1500 Ded/8000 Moop With Vision	$531	HMO	Gold	$6,000	$1,125	No
Partners Hmo Gold 1500 Ded/8000 Moop With Vision	$612	HMO	Gold	$6,000	$1,125	No
Better Together Hmo Gold 2000 Ded/8200 Moop	$550	HMO	Gold	$6,150	$1,500	No
Partners Hmo Gold 2000 Ded/8200 Moop	$633	HMO	Gold	$6,150	$1,500	No
Better Together Hmo Platinum 750 Ded/2000 Moop With Vision	$629	HMO	Platinum	$1,500	No Data	No
Better Together Hmo Platinum No Ded/5200 Moop	$669	HMO	Platinum	$3,900	$0	No
Better Together Hmo Platinum No Ded/3300 Moop	$608	HMO	Platinum	$2,475	No Data	No
Better Together Hmo Silver 5975 Ded/5975 Moop Hsa	$596	HMO	Silver	$2,159	$2,159	No
Better Together Hmo Silver 5975 Ded/5975 Moop Hsa	$596	HMO	Silver	$5,617	$5,617	Yes
Partners Hmo Silver 5975 Ded/5975 Moop Hsa	$686	HMO	Silver	$2,159	$2,159	No
Partners Hmo Silver 5975 Ded/5975 Moop Hsa	$686	HMO	Silver	$5,617	$5,617	Yes
Better Together Hmo Silver 6000 Ded/8900 Moop	$543	HMO	Silver	$5,657	$3,100	No
Better Together Hmo Silver 5500 Ded/8500 Moop With Vision	$548	HMO	Silver	$5,024	$3,529	No
Partners Hmo Silver 6000 Ded/8900 Moop	$625	HMO	Silver	$5,657	$3,100	No
Partners Hmo Silver 5500 Ded/8500 Moop With Vision	$631	HMO	Silver	$5,024	$3,529	No

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
- Ranks first in Wisconsin for overall affordability
- 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
- Limited to HMO and POS networks only
- Higher out-of-pocket maximums on Bronze tier plans
Aspirus Health Plan offers both HMO and POS coverage across all metal tiers in Wisconsin. A 40-year-old pays around $493 monthly for Bronze plans with $7,500 deductibles, while Silver options range from $632 to $661 with lower deductibles starting around $3,105. Gold plans cost $680 to $685 monthly but feature much lower $1,763 deductibles and $5,700 out-of-pocket maximums. Premiums increase with age, and catastrophic plans are available for younger enrollees seeking basic coverage at lower monthly costs starting around $315.

Aspirus Health Plan health insurance plans for 2026:


Hmo Bronze 10000	$493	HMO	Bronze	$7,500	$7,500	Yes
Hmo Catastrophic 10600 With 3 Free Pcp Visits	$393	HMO	Catastrophic	$10,600	$10,600	Yes
Hmo Bronze 7500	$510	HMO	Expanded Bronze	$7,500	$5,625	Yes
Hmo Bronze $0 Medical Deductible	$562	HMO	Expanded Bronze	$7,950	No Data	Yes
Hmo Gold 2000	$685	HMO	Gold	$6,150	$1,500	No
Hmo Gold 2700	$680	HMO	Gold	$5,250	$2,025	No
Hmo Hdhp Silver 5900	$661	HMO	Silver	$5,567	$5,567	Yes
Hmo Hdhp Silver 5900	$661	HMO	Silver	$2,138	$2,138	No
Hmo Silver 6000	$632	HMO	Silver	$5,657	$3,100	No
Hmo Silver 6600	$640	HMO	Silver	$5,200	$4,079	No
Pos Bronze 8500	$572	POS	Bronze	$7,125	$6,375	Yes
Pos Bronze 7500	$578	POS	Expanded Bronze	$7,500	$5,625	Yes
Pos Silver 6000	$716	POS	Silver	$5,657	$3,100	No

Best Wisconsin Health Insurance by Category

Health insurance costs in Wisconsin change based on your age and the network type you choose. Silver-tier plan pricing shows distinct leaders across categories:

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

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 involves comparing your coverage needs, checking insurer reputations and exploring available 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 show limited availability but average $610 monthly for Silver tier plans.


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

*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 lead Wisconsin's Silver-tier HMO market. 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. 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.

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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