Best Medicare Supplement Plans in Wisconsin (2026)

With a MoneyGeek score of 4.8 out of 5, AFLAC offers the best Medicare Supplement coverage in Wisconsin, combining strong affordability with comprehensive benefits. AFLAC's Medigap Basic Plan costs $161 monthly for 65-year-olds, providing $41 monthly savings compared to the national average. If AFLAC isn't available in your area, State Farm, Bankers Life, MedMutual Protect and Government Personnel Mutual Life Insurance Company also provide excellent Medigap coverage options across Wisconsin.

*These Medicare Supplement rates reflect Wisconsin's Medigap Basic Plan for 65-year-old beneficiaries. The Basic Plan is the most popular option and the only standardized plan required by Wisconsin law. Your actual premium varies based on age, ZIP code and optional riders you add to customize coverage.

Wisconsin insurers price the Basic Plan differently based on their rating method. Most Wisconsin insurers use attained-age pricing, meaning your premium increases as you age regardless of health status, while some carriers offer community-rated pricing where all policyholders pay the same rate. Compare rates by insurer and pricing method below to find your best value.

*These Medicare Supplement rates reflect 2026 pricing for Wisconsin's Medigap Plan for 65 and 75-year-olds. Wisconsin offers unique structures including the Basic Plan, 50% and 25% Cost Sharing plans, and High Deductible options. Premiums vary by plan type, age, insurer and rating method (attained-age, issue-age or community rating). Most Wisconsin insurers use attained-age pricing where premiums increase as you age.

Wisconsin Medicare Supplement premiums range from $76 to $311 monthly for 65-year-olds in 2026, based on your plan type and cost-sharing structure. 

High Deductible plans start at $76 monthly but require you to pay $2,950 out-of-pocket before coverage begins. Basic plans with 50% cost-sharing average $156 monthly, while 25% cost-sharing plans cost around $210 monthly. Extended Basic plans provide the most comprehensive coverage at $202 monthly, covering the Part A deductible and skilled nursing coinsurance without cost-sharing after you meet the Part B deductible.

Wisconsin uses a unique system different from the standardized A-N plans sold in other states. All Wisconsin Medicare Supplement plans must include one Basic Plan with state-mandated benefits. You can add optional riders for additional coverage or choose cost-sharing alternatives.

Shopping for Medicare Supplement insurance in Wisconsin feels different because the state doesn't follow the standard plan letters you'll see everywhere else. You're choosing between Basic Plans, Extended Basic options, 50% Cost Sharing Plans and High Deductible Plans. The state already mandates protections like $30,000 yearly kidney disease coverage and 40 extra home health visits. Your decision comes down to pricing and which optional riders you need.

Wisconsin residents can access free assistance with Medicare Supplement plan selection through these resources:   

• Wisconsin State Health Insurance Assistance Program (SHIP): Wisconsin's SHIP program connects you with certified counselors who provide free, unbiased Medicare guidance. SHIP counselors help you understand eligibility, enrollment and plan options for Medicare Supplement coverage. Contact the Medigap Helpline at 1-800-242-1060 for telephone counseling.   
• Office of the Commissioner of Insurance: Wisconsin's insurance regulator handles consumer complaints and enforces insurance laws. The office investigates disputes between consumers and insurers and provides assistance with insurance coverage questions. Call 1-800-236-8517 (outside Wisconsin) or 608-266-0103 (within Wisconsin).   
• Bureau of Aging and Disability Resources: Administers programs and services for older Wisconsin residents, including Medicare counseling through local Aging and Disability Resource Centers (ADRCs). The bureau oversees benefit specialists who provide confidential advice about Medicare and other programs. Call 608-266-2536. 
• Medicare.gov: The official Medicare website has tools for comparing plans in your ZIP code, including Medicare Supplement policies.

AFLAC leads Wisconsin Medicare Supplement coverage at $161 monthly, though premiums range from $76 to $311 depending on your plan type. Wisconsin's unique four-plan system differs from other states' standardized options. Enroll during your six-month guaranteed issue window after Medicare Part B to secure coverage without higher rates.

We've answered the most common questions about best Medicare Supplement plans in Wisconsin to help you compare coverage options and costs:

Wisconsin residents face a different Medigap system than the rest of the country. Instead of standardized Plans A through N, Wisconsin requires insurers to offer four plan types with varying cost-sharing structures. Choosing between 25% cost sharing, 50% cost sharing, basic coverage or high-deductible options without guidance can leave you overpaying or facing coverage gaps. We built our analysis around Wisconsin's system to identify which insurers deliver the strongest value for your healthcare needs and budget. 

Our Research Approach 
We evaluated Wisconsin Medigap insurers using three factors: 

• Affordability (50%): Monthly premiums represent your biggest ongoing retirement expense. Insurers with lower average costs score highest since small monthly differences compound into thousands over a 20-year retirement.
• Pricing style (20%): Wisconsin uses community-rated pricing, meaning your premium stays the same regardless of age. Everyone in your area pays identical rates. Insurers following this model score highest since costs remain predictable rather than increasing as you age.
• Plan availability (30%): Wisconsin requires insurers to offer four plan types: 25% Cost Sharing, 50% Cost Sharing, Basic and High Deductible. Insurers offering all four score highest because greater selection lets you match coverage to your budget and healthcare needs. Healthy seniors might save with higher cost sharing. Seniors with chronic conditions benefit from lower cost sharing that protects against high out-of-pocket expenses. 
  

Sample Consumer Profile

Monthly premiums reflect rates for a 65-year-old Wisconsin resident entering Medicare through the Basic plan with attained age pricing. We chose Basic because it's Wisconsin's most popular option, providing comprehensive coverage without the cost-sharing requirements of the 25% or 50% plans. We collected pricing across all four plan types from insurers operating statewide.