Best Medicare Supplement Plans in Wisconsin (2026)

AFLAC and State Farm are Wisconsin's best Medicare Supplement providers. Both sell the Basic Plan below the $202 state average at 65 and outscore cheaper MedMutual Protect on plan availability, which rewards carriers selling all four Wisconsin plan types. AFLAC costs $161 a month, $41 below average, and rises $55 to $216 at 75. State Farm costs $178, $24 below average, and has the highest plan availability score of the five featured carriers (4.9), but rises $82 to $260 at 75.

MedMutual Protect has the lowest Basic Plan rate we list, $145, $57 below average, and the lowest age-75 rate, $181. Its 3.9 plan availability score trails AFLAC's 4.6, so it fits enrollees whose only priority is the lowest premium.

*These rates are Wisconsin Medigap Basic Plan premiums for 65- and 75-year-olds. Savings compare each carrier's age-65 rate with the $202 Basic Plan state average, and negative figures cost more than average. Wisconsin law sets the Basic Plan's benefits, so every carrier in the table sells the same mandated coverage. Your actual premium varies based on age, ZIP code and optional riders you add.

Wisconsin's Medigap Basic Plan averages $202 a month at 65 and $261 at 75. The 50% Cost Sharing Plan averages $156 at 65, $46 less, but you pay half of covered costs until you reach $8,000 in 2026. The 25% Cost Sharing Plan breaks that pattern. It averages $210 at 65 and $311 at 75, $8 and $50 above the Basic Plan.

Carrier choice moves Basic Plan premiums more than plan type does. MedMutual Protect's $145 and AARP/UnitedHealthcare's $415 differ by $270 a month, more than five times the $46 difference between the average Basic and 50% Cost Sharing plans. The Basic Plan has no plan deductible but leaves the $1,736 Part A deductible to you, so enrollees expecting hospital stays should add the Part A deductible rider's premium when comparing carriers.

Every Wisconsin Medigap policy starts with the state-mandated Basic Plan, whose benefits below are identical at every carrier. Riders, such as one covering 50% or 100% of the $1,736 Part A deductible, add coverage for an extra premium.

Every Wisconsin Basic Plan carries the same mandated benefits, so choose a carrier on price, premium growth to age 75 and complaint record. Basic Plan rates at 65 range from $145 at MedMutual Protect to $415 at AARP/UnitedHealthcare.

Wisconsin Basic Plan premiums depend on each carrier's rating method as well as its price. Attained-age pricing raises your premium as you age. United American's Basic Plan is the one exception in our rate table, with $306 at 65 and $283 at 75. Issue-age pricing sets your premium by your age at purchase, and community rating charges every policyholder the same rate regardless of age. All three can still rise with inflation. The 22 attained-age carriers listed range from MedMutual Protect's $145 to United American's $306 at 65, a $161 monthly difference. Compare each carrier's age-65 and age-75 rates to see which costs less as you age.

*These rates are 2026 Wisconsin Medigap premiums at 65 and 75 by plan type, carrier and rating method (attained-age, issue-age or community rating). Savings compare each rate with the $202 Basic Plan average at 65.

Four free resources help Wisconsin Medigap shoppers:

• Wisconsin State Health Insurance Assistance Program (SHIP): Certified SHIP counselors give free, unbiased help with enrollment and choosing among Wisconsin's four Medigap plan types. Call the Medigap Helpline at 1-800-242-1060.
• Office of the Commissioner of Insurance: Wisconsin's insurance regulator takes complaints against carriers and publishes the complaint data used to compare carriers like MedMutual Protect and AFLAC. Call 1-800-236-8517 (statewide) or 608-266-0103 (Madison).
• Bureau of Aging and Disability Resources: The bureau oversees benefit specialists at local Aging and Disability Resource Centers (ADRCs), who give confidential advice on Medicare. Call 608-266-2536.
• Medicare.gov: Enter your ZIP code in Medicare.gov's plan finder to see which Medigap carriers sell in your area and their 2026 premiums.

Wisconsin, Massachusetts and Minnesota use their own Medigap plan structures, and Plans A through N aren't sold in Wisconsin. Wisconsin's four plan types (Basic, 25% cost sharing, 50% cost sharing and High Deductible) split costs differently, so choosing one without guidance can leave you overpaying or short on coverage. We built our analysis around Wisconsin's system to identify which insurers provide the strongest value for your health care needs and budget.

Our Research Approach 
We evaluated 23 Wisconsin Medigap insurers across three factors. Rate data covers all four Wisconsin plan types and is current as of August 2026.

• Affordability (50%): MedMutual Protect's $145 Basic Plan rate and United American's $306 at age 65 differ by $161 a month, or $1,932 a year, for identical mandated benefits. That's why affordability carries the heaviest weight in our scoring.
• Pricing style (20%): Under community rating, which some Wisconsin carriers use, your premium doesn't change because of your age, though it can still rise over time. Attained-age products raise premiums as you age.
• Plan availability (30%): Wisconsin's Medigap market has four plan types, and insurers selling all four get higher scores. Enrollees managing chronic conditions or frequent hospitalizations should compare the Basic Plan with a Part A deductible rider against the High Deductible plan's $2,950 deductible, since the Basic Plan alone leaves the $1,736 Part A deductible to them each benefit period.

Sample Consumer Profile

Monthly premiums reflect rates for 65- and 75-year-old Wisconsin residents. The $202 Basic Plan average comes from the 22 attained-age insurers' age-65 rates. The Basic Plan covers Part B coinsurance in full after the $283 Part B deductible, the amount you pay each year before Medicare covers outpatient care. It doesn't cover the $1,736 Part A deductible without a rider. We collected 2026 pricing across all four plan types from 23 insurers operating statewide.