Best Health Insurance in Wisconsin (2026)

Best Health Insurance Companies in Wisconsin

MercyCare is the best health insurance provider in Wisconsin for 2026. Its Silver HMO plans average $547 per month, with a $4,226 out-of-pocket maximum. Group Health Cooperative, Aspirus Health Plan, Network Health and UnitedHealthcare also rank among Wisconsin's top providers.

Higher premiums don't necessarily mean lower out-of-pocket costs in Wisconsin. Security Health Plan and Quartz have two of the highest Silver HMO premiums in our analysis, at $766 and $715 per month, but they also have the highest out-of-pocket maximums.

MercyCare combines the lowest premium among these options with a lower spending limit, so it can provide strong value for both low and high health care users.


Mercycare Health Plans	$547	$4,226	$2,290	5
Group Health Cooperative	$605	$4,280	$2,929	4.6
Aspirus Health Plan	$644	$4,332	$3,105	4.4
Network Health	$612	$5,486	$2,948	4.3
UnitedHealthcare	$663	$5,720	$2,389	4.3
Anthem	$620	$5,664	$2,783	4.3
Dean Health Plan	$655	$5,950	$2,305	4.3
Security Health Plan	$766	$7,045	$2,332	4
Quartz	$715	$6,019	$4,200	3.6

* Rates shown are statewide averages for 40-year-olds with Silver-tier plans.

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
- Lowest premiums in Wisconsin across all metal tiers
- Gold plan deductibles start at $1,500
- Silver plans have competitive out-of-pocket maximums
- Bronze, Silver and Gold tiers all available
cons
- HMO plans only, which restricts network access
- Bronze plan deductibles and out-of-pocket maximums reach $7,500
MercyCare offers HMO plans across all metal tiers in Wisconsin. Its two Silver plans both earned perfect MoneyGeek scores. One costs $547 per month with a $2,290 deductible and $4,226 out-of-pocket maximum. The HSA-eligible Silver plan is $551 per month with $5,025 matching deductibles and maximums.

Bronze coverage is $388 per month, $94 below the state average, but deductibles and out-of-pocket maximums reach $7,500. Expanded Bronze is $422 per month with HSA eligibility and $5,625 deductibles. Gold plans average $556 per month with $1,500 deductibles and $6,150 out-of-pocket limits.
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's HMO structure requires a primary care referral for every specialist visit. There's no out-of-network benefit, so care outside MercyCare's network comes entirely out of pocket, with no contribution from the plan. MercyCare's Bronze plan carries a $7,500 deductible and $7,500 out-of-pocket maximum, so the low premium at that tier comes with the highest cost ceiling in a bad year. Residents outside MercyCare's core service area should confirm their providers appear in the plan's directory before enrolling. If your providers aren't in MercyCare's directory, Group Health Cooperative-SCW's Silver HMO at $605 per month or Network Health's Silver HMO at $612 per month are the next-cheapest options in the state.


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 on all Platinum plans
- Gold plan deductibles start at $1,542
- Bronze, Silver, Gold and Platinum tiers all available
- Premiums below Wisconsin market averages
cons
- HMO plans only
- Bronze plan deductibles are $6,225 with $7,950 out-of-pocket maximums
Group Health Cooperative-SCW is the only insurer offering Platinum plans in Wisconsin. Its two Gold HMO options are both priced well below state averages: one is $586 per month ($139 below average) with a $1,542 deductible and $4,717 out-of-pocket maximum; the HSA-eligible plan is $595 per month ($154 below average) with $4,000 matching deductibles and maximums. Platinum coverage is $635 per month with a $0 deductible and $2,625 out-of-pocket maximum.

Silver HMO plans are $605 and $641 per month. Bronze is $487 per month with HSA eligibility. Wisconsin residents who want Gold-tier value or Platinum-level protection will find fewer options elsewhere in the state.

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

Group Health Cooperative-SCW is an HMO only, so specialist visits require referrals and out-of-network care isn't covered. Its Bronze plans carry a $7,950 out-of-pocket maximum, above the Wisconsin Bronze average. Enrollees who qualify for cost-sharing reductions will get stronger financial protection at MercyCare's Silver tier for $58 less per month ($547 versus $605). Platinum coverage at $635 per month with a $0 deductible is the strongest case for GHC-SCW, but only if you're in the counties where the plan is available. For Bronze coverage with lower out-of-pocket exposure, MercyCare's Bronze plan at $388 per month is a good alternative with $7,500 MOOP.

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
- Gold plan deductibles start at $1,763
- Bronze, Silver and Gold tiers available in both HMO and POS structures
- POS plans offer greater network flexibility than HMO-only carriers
cons
- Bronze tier out-of-pocket maximums are above average
Aspirus offers HMO plans from Bronze through Gold and POS plans from Bronze through Silver. Its Catastrophic HMO is $393 per month, $100 below the state average, with $10,600 deductibles and out-of-pocket maximums. HMO Bronze is $493 per month with HSA eligibility. POS Bronze is $572 per month with perfect MoneyGeek scores and greater network flexibility. Silver HMO is $644 to $661 per month. Silver POS is $716 per month. Gold HMO is $682 per month with $1,763 deductibles. Gold is not available in POS.

Aspirus is the strongest option for Wisconsin residents who want Catastrophic coverage at a low price or need the flexibility of both HMO and POS plan types.
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
Aspirus's top-scoring Silver plan is the HMO HDHP Silver 5900, an HSA-eligible high-deductible plan. HSA eligibility means you can pair it with a tax-advantaged savings account for qualified medical expenses, which changes the cost calculation for higher earners who can fund an HSA fully. But Aspirus's Gold tier is HMO only. Shoppers who want Gold-level cost sharing with POS flexibility can't get both from Aspirus. Group Health Cooperative-SCW's Gold HMO at $586 per month with a $1,542 deductible is $96 less per month than Aspirus's Gold HMO at $682 per month and carries a $221 lower deductible. For POS plans at the Silver tier, Anthem's Silver POS at $716 per month is the alternative if Aspirus's Silver POS network doesn't cover your providers.


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

Best Wisconsin Health Insurance by Category

Wisconsin's Silver HMO market has one of the steepest age cost curves in our data. A 60-year-old pays $1,161 a month for MercyCare's Silver HMO, $614 more than a 40-year-old on the same plan. For a 60-year-old, the monthly premium is only part of the cost picture. Out-of-pocket maximums matter equally, because a high-premium, high-MOOP combination tightens the financial margin from both sides.

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):
The network type rankings shift for a specific reason. HMO plans are cheaper in Wisconsin because they restrict you to a defined network with no out-of-network coverage. EPO plans cost more and offer no referral requirement but still have no out-of-network benefit. POS plans add limited out-of-network access.

HMO: MercyCare's Silver HMO is the most affordable at $547 a month.
EPO: Dean Health Plan sells Silver-tier coverage at $576 a month.
PPO: HealthPartners' Silver PPO costs $619 a month.
POS: Anthem's POS plans cost $716 a month, with $3,100 deductibles and $5,657 MOOP limits.

Wisconsin residents who get all their care within a regional provider network get the full benefit of HMO pricing without giving up anything important. Paying more for EPO or POS structure makes sense only if you regularly use out-of-network providers or specialists outside HMO networks.

Compare Health Insurance Companies in Wisconsin

Health insurance costs in Wisconsin vary by provider, metal tier, age and HSA eligibility. Use the table below to compare plans based on your unique needs:

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

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
In our analysis of Wisconsin Silver plans, the gap between the lowest and highest out-of-pocket maximum is $2,819, from $4,226 at MercyCare to $7,045 at Security Health Plan.

A lower-premium Bronze plan may look attractive, but MercyCare's Silver plan at $547 per month carries a $2,290 deductible. MercyCare's own Bronze plan carries a $7,500 deductible. That $5,210 deductible gap between Bronze and Silver at the same insurer means Silver is the stronger value if you expect to use more than $2,290 in covered services in a year.

Bronze makes more sense if you're healthy and use services only at the preventive care level, which is covered at $0 on all metal tiers under ACA rules.
Compare company offerings and reputations
Nine insurers sell individual ACA plans in Wisconsin for 2026, but not all nine are available in every county. Availability varies by insurer and geographic area. Confirm which plans are available at your ZIP code on HealthCare.gov before comparing premiums. A plan that doesn't serve your county won't appear in your quote results regardless of its MoneyGeek score, so checking availability first saves time and avoids comparing plans you can't enroll in.
Shop around
Wisconsin's Open Enrollment is from November 1 to January 15. When we compared the cheapest and most expensive Silver HMO plans in the state, the premium spread was $219 per month between MercyCare at $547 and Security Health Plan at $766. That gap is $2,628 per year for the same metal tier. Comparing at least three carriers before enrolling is the single highest-value action a Wisconsin resident can take during open enrollment.
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 vary by plan type and metal tier. HMO plans are the most affordable, averaging $569 per month for Bronze, $710 for Silver, $738 for Gold and $836 for Platinum coverage.

EPO plans range from $655 per month for Bronze to $1,157 for Platinum. POS plans have the highest average premiums at every tier, ranging from $717 for Bronze to $1,364 for Platinum.

PPO plans are available only at the Silver and Gold tiers, averaging $610 and $712 per month, respectively. Notably, PPOs cost less on average than HMOs at both available tiers.


PPO	N/A	$610	$712	N/A
HMO	$569	$710	$738	$836
EPO	$655	$755	$775	$1,157
POS	$717	$939	$1,122	$1,364

* Rates shown are statewide averages for 40-year-olds in Wisconsin.

Frequently Asked Questions

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.

Wisconsin's health insurance open enrollment begins November 1 and ends January 15. You must select your plan by December 31 to start coverage on January 1.

Wisconsin residents who meet income requirements can qualify for free coverage through BadgerCare Plus, the state's Medicaid program. Many others qualify for federal marketplace subsidies that reduce or eliminate monthly premiums for middle-income families.

How We Chose the Best Health Insurance in Wisconsin

We ranked health insurance plans on three cost factors:

Monthly premium (60%): Plans with the lowest average monthly costs score highest.
Maximum out-of-pocket (20%): The most you'll pay for covered services in a year, excluding premiums. Lower MOOP limits score better.
Deductible (20%): The amount you pay before coverage begins. Lower deductibles score higher.

We standardized all scores within each plan category. The highest-scoring Silver-tier HMO plan receives a 5.0, with other plans scored relative to that 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 (P&C) Insurance Producer in Connecticut, is MoneyGeek's resident expert in insurance and economics. He has spent nearly a decade covering the insurance market at LendingTree and MoneyGeek. There, he has analyzed hundreds of carriers and millions of rates across auto, home, renters, health and life insurance.

His work has appeared in The Washington Post, The New York Times and NPR. He draws on independent cost and consumer experience data, and no insurance company partnerships affect his recommendations.

Mark studied at Boston College and later earned a master's in economics and international relations from Johns Hopkins University. He worked in financial risk management at State Street before joining MoneyGeek. He's also a five-time “Jeopardy!” champion.

Read Full Bio »

Best Health Insurance in Wisconsin (2026)

Best Health Insurance Companies in Wisconsin

MercyCare Health Plans

Group Health Cooperative-SCW

Aspirus Health Plan

Best Wisconsin Health Insurance by Category

Compare Health Insurance Companies in Wisconsin

How to Find the Best Health Insurance in Wisconsin

Decide on your coverage needs before buying

Compare company offerings and reputations

Shop around

Take advantage of federal programs and subsidies

Average Health Insurance Cost in Wisconsin

Frequently Asked Questions

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

Related Pages

About Mark Fitzpatrick