Best Medicare Supplement Plans in Wisconsin (2026)

AFLAC leads Wisconsin Medicare Supplement coverage with a 4.8 out of 5 MoneyGeek score. Its Medigap Basic Plan costs $161 monthly for 65-year-olds, $41 below the national average. If AFLAC is unavailable in your area, State Farm, Bankers Life, MedMutual Protect and Government Personnel Mutual Life Insurance Company also rate well in Wisconsin.

Most Wisconsin insurers use attained-age pricing: premiums rise every year as policyholders get older, regardless of health status. Some carriers use community-rated pricing, where policyholders in the same area pay the same rate. Over a long retirement, that pricing difference can significantly affect total costs. The High Deductible plan averages $76 monthly, $126 less than the Basic Plan average.

AFLAC's Medigap Basic Plan costs $161 monthly for 65-year-olds, providing $41 monthly savings compared to the national average.

*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. Some carriers offer community-rated pricing, where all policyholders pay the same rate. 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.   

MedMutual Protect at $145 and United American at $306 cover the same Basic Plan benefits for a 65-year-old. That $161 monthly gap amounts to $1,932 per year for identical coverage. At 75, the rankings shift. AFLAC's premium rises $55 between ages 65 and 75. Bankers Life's rises $93 over the same period. A carrier that looks mid-tier at 65 can be the better long-term value at 75, once you factor in its attained-age rate trajectory.

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. The 25% cost-sharing option costs $210 monthly. Extended Basic plans cover the Part A deductible and skilled nursing coinsurance at $202 monthly. You pay no cost-sharing after you meet the Part B deductible.

The $126 monthly gap between the High Deductible plan and the Basic Plan closes fast if you have an unexpected hospitalization. One inpatient stay that exceeds the $2,950 deductible threshold costs more out of pocket under the High Deductible plan than a full year of Basic Plan premiums.

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 or choose cost-sharing alternatives.

Wisconsin doesn't use the standard plan letters you'll see in other states. The state mandates $30,000 yearly kidney disease coverage and 40 extra home health visits for every Basic Plan enrollee.

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 answer questions about eligibility and enrollment, and help you choose among Medicare Supplement plan options. 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 reviews disputes between consumers and insurers and answers 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. Medicare counseling is available 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. Medicare Supplement policies are included in the comparison tool.

AFLAC leads Wisconsin Medicare Supplement coverage at $161 monthly for a 65-year-old on the Basic Plan. For most Wisconsin enrollees entering Medicare at 65 in good health, my recommendation is AFLAC at $161 monthly. MedMutual Protect is $16 less at $145. But AFLAC's age-75 premium rises only $55, compared to a larger jump at most carriers, which is why it's the better long-term value for anyone planning a 20-year retirement. Reassess your rider needs at 70 when your actual health care usage pattern is clearer.

Wisconsin residents deal with a Medigap system unlike 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 with coverage gaps. 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 22 Wisconsin Medigap insurers across three factors. Rate data covers all four Wisconsin plan types and is current as of May 2026.

• Affordability (50%): In our Wisconsin data, the spread between the cheapest and most expensive attained-age Basic Plan carrier at age 65 is $161 monthly, a gap that compounds to nearly $2,000 annually for identical coverage. That's why affordability carries the heaviest weight in our scoring.
• Pricing style (20%): Wisconsin uses community-rated pricing in some products. Under community rating, your premium stays the same regardless of age. Costs stay predictable; attained-age products don't offer that.
• Plan availability (30%): Wisconsin requires four plan types: 25% Cost Sharing, 50% Cost Sharing, Basic and High Deductible. Insurers offering all four score highest. Enrollees in good health save more with higher cost sharing. A chronic condition changes that math: lower cost-sharing plans cap what you pay when care bills stack up.

Sample Consumer Profile

Monthly premiums reflect rates for a 65-year-old Wisconsin resident on attained-age pricing. The Basic plan was used because it's Wisconsin's most popular option. We chose Basic because it's Wisconsin's most popular option, with coverage that doesn't require cost-sharing. We collected 2026 pricing across all four plan types from 22 insurers operating statewide.