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.
Best Health Insurance in Wisconsin (2026)
Updated: February 19, 2026
Advertising & Editorial Disclosure
Key Takeaways
MercyCare leads Wisconsin health insurers on affordability and scores well across every metal tier.
MercyCare also provides the cheapest health insurance in Wisconsin, with Silver-tier HMO plans averaging $547 per month.
Before enrolling, pull quotes from multiple insurers and compare coverage limits, deductibles and out-of-pocket maximums. Confirm your doctors and hospitals are in-network.
Best Health Insurance Companies in Wisconsin
| 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
$547Average MOOP
$4,226Average Deductible
$2,290
Group Health Cooperative-SCW
MoneyGeek Rating
4.6/ 5
4.7/5Affordability
4/5Deductible
4.9/5MOOP
Average Monthly Rate
$605Average MOOP
$4,280Average Deductible
$2,929
Aspirus Health Plan
MoneyGeek Rating
4.4/ 5
4.5/5Affordability
3.7/5Deductible
4.9/5MOOP
Average Monthly Rate
$644Average MOOP
$4,332Average Deductible
$3,105
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:
HMO
Silver
40
No
| 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.
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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.