Best Health Insurance in Wisconsin


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Key Takeaways

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Overall, HealthPartners offers the best and most balanced coverage in Wisconsin for health insurance.

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HealthPartners provides the best cheap health insurance in Wisconsin, with Silver-tier plans averaging $507 monthly, where available.

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To find the best health insurance in Wisconsin, educate yourself on companies available to you, decide coverage needs beforehand and compare plan quotes from several companies.

Best Health Insurance Companies in Wisconsin

With a score of 88 out of 100, HealthPartners offers the best health insurance in Wisconsin, excelling in affordability, customer service and coverage. But if it’s unavailable where you live, Aspirus Arise, Chorus Community Health Plans, Group Health Cooperative-SCW and MercyCare Health Plans also provide strong health insurance options.

HealthPartners88Atlas $3,500 HSA Silver
Group Health Cooperative-SCW85Better Together HMO Silver 5500 Ded/5500 MOOP HSA
Aspirus Arise84HMO HDHP Silver 5400
MercyCare Health Plans84MercyCare Silver Standard
Chorus Community Health Plans77Chorus Silver

*Our picks are the best companies for 40-year-olds looking for Silver-tier plans.

Best Health Insurance in Wisconsin by Category

While we've given our top picks overall, the best company for you may differ depending on your profile and preferred plan type. So below, we've broken down the top picks for common categories to make more personalized recommendations.

Children/FamiliesHealthPartners
Young AdultsHealthPartners
SeniorsHealthPartners
PPOHealthPartners
HMOAspirus Arise
POSAspirus Arise
EPODean Health Plan

Best Wisconsin Health Insurance Reviews

So that you can learn about our recommendations, we've broken down our top picks overall, for affordability and customer service reputation.

HealthPartners

HealthPartners: Best Overall

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pros

  • Comprehensive integrated healthcare system with competitive pricing

  • Cheapest rates in the state

  • Best overall for most in Wisconsin

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cons

  • Limited geographic availability restricting access

COMPANY HIGHLIGHTS

Overall, HealthPartners was our pick for the best health insurance in Wisconsin due to its comprehensive coverage options and integrated health care approach. It's also the cheapest overall provider in the state, at $507 monthly for Silver-tier plans. HealthPartners offers robust benefits with extensive provider networks throughout Wisconsin, competitive plan designs and reliable claims processing, combined with its own medical facilities and care coordination, which provides excellent value for Wisconsin residents.

How to Find the Best Health Insurance for You in Wisconsin

The following recommendations will ensure that buying health insurance that is ideal for you is easy.

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    Decide on your coverage needs before buying

    When looking for the best health insurance, weigh the monthly cost against the maximum out-of-pocket limits for plans. If you go to the doctor often, a plan with a higher monthly fee but lower MOOP can save you money. But you may not need as much coverage if you're not high risk. Also, compare health insurance plan types to ensure how flexible a provider will be in covering you.

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    Compare company offerings and reputations

    Before comparing rates, understand what plans the top companies in your area offer and their terms. Also, look into company reputations through forums and industry sources like J.D. Power to ensure a smooth buying and coverage claims process.

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    Shop around

    Comparing multiple plans from many providers ensures you get the best possible deal. We found that rates can start as low as $507 monthly in Wisconsin, depending on your profile and chosen plan type. Open Enrollment lasts from November 1 to January 15, but you may also qualify for Special Enrollment if you've lost your job, divorced or had a child.

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    Take advantage of federal programs and subsidies

    Those with low income, have a qualifying disability or illness, or are 65 years old or older can receive subsidies or be eligible for Medicare plans. In some cases, depending on your details, you can have up to 100% of your premiums covered if you're low-income or have significant savings if you're eligible for Medicare. MoneyGeek also provides information for finding the top Wisconsin Medicare Supplement and best Medicare Advantage plans in Wisconsin if you want to learn more.

Best Health Insurance in Wisconsin: Bottom Line

Overall, our top three picks for Wisconsin health insurance are HealthPartners, Group Health Cooperative-SCW and Aspirus Arise. However, the best possible health insurance plan for you will vary widely depending on your personal details and coverage needs. Compare as many plans and companies as possible to get the right fit.

Best Wisconsin Health Insurance: FAQ

Below, we've answered frequently asked questions about the best health insurance in Wisconsin:

What is the best health insurance provider in Wisconsin for 2025?

What should you look for when shopping for the best health insurance plan in Wisconsin?

How We Chose the Best Health Insurance in Wisconsin

To rank health care insurance providers in Wisconsin, MoneyGeek researched premiums, out-of-pocket costs, claims denial rates and plan types for each available company and compared them across different categories. We then weighted each category to calculate an overall MoneyGeek score and derive rankings.

We weighted most categories as follows:

  • Maximum out-of-pocket (MOOP) score (30%): The MOOP is the most you'll pay per year for health care costs outside of your monthly premiums. The provider with the lowest average MOOP scores the highest.
  • Claims denial score (30%): How often a provider denies claims. The provider with the lowest claims denial rate scores the highest.
  • Rate score (20%): How much the provider's monthly plans cost. The cheapest provider, on average, gets the highest score.
  • Plan type score (20%): Providers score better if they have plan types with broader coverage. A provider with many PPO plans will get the highest score.

In some cases, we adjusted the weightings as follows:

  • For the categories "Best Cheap Health Insurance in Wisconsin" and "Best Health Insurance in Wisconsin for Low Income," we increased the rate score weighting to 50%. We decreased every other category by 10%.
  • For the category "Best Health Insurance by Plan Type in Wisconsin," we decreased the plan type score weighting to 0% to reflect that we are comparing providers' plans like-for-like. We increased MOOP and claims denial score weightings by 10% each.

Sample Consumer:

MoneyGeek collected data on all available plans in Wisconsin for consumers aged 18, 26, 40, 50 and 60. Unless otherwise noted, all monthly premiums are for a 40-year-old buyer, such as the category for young adults. Plans analyzed in each section include the relevant cited metal tiers, which include Catastrophic, Bronze, Expanded Bronze, Silver, Gold and Platinum.

About Mark Fitzpatrick


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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!

Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.


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