Updated: December 22, 2025
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The most affordable health insurance in Wisconsin comes from MercyCare Health Plans at $545 monthly, followed by Group Health Cooperative Scw at $635 and Dean Health Plan at $637.
We found MercyCare Health Plans dominates Wisconsin's health insurance market across key demographics, including seniors, young adults, teens, children and adults, plus leads in HMO plans and Health Savings Account eligibility, while other insurers lead in different plan categories.
Wisconsin residents save $206 monthly with MercyCare Health Plans at $545 average monthly rates compared to the statewide average. Group Health Cooperative Scw ranks second at $635 monthly, while Dean Health Plan follows closely at $637 monthly.
Though MercyCare Health Plans delivers the cheapest health insurance across Wisconsin, higher deductibles and maximum out-of-pocket costs accompany these lower premiums.
| Mercycare Health Plans | $545 | $206 | $6,540 | $2,472 |
| Group Health Cooperative Scw | $635 | $116 | $7,620 | $1,392 |
| Dean Health Plan | $637 | $114 | $7,644 | $1,368 |
| Network Health | $639 | $112 | $7,668 | $1,344 |
| Aspirus Health Plan | $648 | $103 | $7,776 | $1,236 |
| HealthPartners | $664 | $87 | $7,968 | $1,044 |
| UnitedHealthcare | $673 | $78 | $8,076 | $936 |
| Quartz | $700 | $51 | $8,400 | $612 |
| Caresource | $702 | $49 | $8,424 | $588 |
| Medica | $754 | $3 | $9,048 | $36 |
* We determine average monthly costs by rounding the mean of all monthly plan rates for each provider in Wisconsin. We calculate average monthly savings by comparing each provider's average rate against the statewide average to demonstrate the cost difference below the state benchmark.
Avg. Monthly Rate
Avg. MOOP
Avg. Deductible
Selecting the best health insurance provider requires more than premium comparisons. Your rate depends on age, chosen plan type and metal tier selection. Think about how monthly premiums, balance with deductibles and out-of-pocket maximums.
MercyCare Health Plans provides the most affordable rates across Wisconsin demographics. These lower premiums come with higher deductibles and maximum out-of-pocket costs.
| Children | Mercycare Health Plans | $327 | $3,927 | $4,226 | $2,290 |
| Teens | Mercycare Health Plans | $391 | $4,687 | $4,226 | $2,290 |
| Young Adults | Mercycare Health Plans | $438 | $5,257 | $4,226 | $2,290 |
| Adults | Mercycare Health Plans | $547 | $6,561 | $4,226 | $2,290 |
| Seniors | Mercycare Health Plans | $1,161 | $13,932 | $4,226 | $2,290 |
| PPO | HealthPartners | $619 | $7,426 | $5,014 | $1,959 |
| HMO | Mercycare Health Plans | $547 | $6,561 | $4,226 | $2,290 |
| POS | Aspirus Health Plan | $716 | $8,587 | $5,657 | $3,100 |
| EPO | Dean Health Plan | $576 | $6,906 | $5,950 | $2,305 |
| With Health Savings Account Eligibility | Mercycare Health Plans | $551 | $6,609 | $5,025 | $5,025 |
* These are average rates for all plan types and metal levels, with teens at 18 years old, young adults at 26 years old, adults at 40 years old and seniors at 60 years old. For plan type costs, we used average rates for 40-year-olds.
For 40-year-olds in Wisconsin, Dean Health Plan delivers the most affordable Expanded Bronze coverage at $387 monthly, while MercyCare Health Plans leads Bronze at $388 per month and Silver at $547 monthly.
Aspirus Health Plan provides the cheapest Catastrophic plans at $393 per month, and MercyCare Health Plans offers Gold coverage at $556 per month with a $1,500 deductible. Group Health Cooperative Scw offers Platinum coverage at $635 monthly with no deductible and a $2,625 maximum out-of-pocket limit.
| Expanded Bronze | Dean Health Plan | $387 | $4,641 | $7,800 | $5,750 |
| Bronze | Mercycare Health Plans | $388 | $4,657 | $7,500 | $7,500 |
| Catastrophic | Aspirus Health Plan | $393 | $4,722 | $10,600 | $10,600 |
| Silver | Mercycare Health Plans | $547 | $6,561 | $4,226 | $2,290 |
| Gold | Mercycare Health Plans | $556 | $6,675 | $6,150 | $1,500 |
| Platinum | Group Health Cooperative Scw | $635 | $7,624 | $2,625 | $0 |
Using comprehensive Wisconsin data, we've identified plans so you can find coverage fitting your specific situation and budget.
When shopping for cheap health insurance, multiple factors affect your rate. We've collected statewide data for Wisconsin to help you filter options based on your situation and budget.
| Group Health Cooperative Scw | Better Together Hmo Silver 6000 Ded/8900 Moop | $543 | HMO | Silver | $5,657 | $3,100 | 40 | No |
| Mercycare Health Plans | Mercycare Silver Standard | $543 | HMO | Silver | $5,117 | $2,617 | 40 | No |
| Mercycare Health Plans | Mercycare Silver 2,500 (3 Free Pcp Visits) | $546 | HMO | Silver | $5,600 | No Data | 40 | No |
| Group Health Cooperative Scw | Better Together Hmo Silver 5500 Ded/8500 Moop With Vision | $548 | HMO | Silver | $5,024 | $3,529 | 40 | No |
| Mercycare Health Plans | Mercycare Silver Health Savings | $551 | HMO | Silver | $1,963 | $1,963 | 40 | No |
| Security Health Plan | Enrich $5,500 - 40% Copay | $554 | HMO | Silver | $10,000 | No Data | 40 | No |
| Group Health Cooperative Scw | Better Together Hmo Silver 5975 Ded/5975 Moop Hsa | $596 | HMO | Silver | $2,159 | $2,159 | 40 | No |
| Network Health | Prestige Silver | $596 | HMO | Silver | $5,657 | $3,100 | 40 | No |
| Security Health Plan | Enrich $3,500 - 30% | $597 | HMO | Silver | $9,200 | No Data | 40 | No |
| Network Health | Prestige Silver Essential + 3 Free Pcp Visits | $616 | HMO | Silver | $5,400 | $2,871 | 40 | No |
These guidelines can help you find comprehensive coverage at a fair price.
Don't automatically pick the lowest-premium Bronze plan available. Gold and Silver plans cost more monthly but offer lower deductibles and better coverage when you actually need medical care in Wisconsin.
Calculate what you spent on health care last year to guide your choice. If you visited doctors three times and filled two prescriptions totaling $800, a high-deductible plan with a $7,000 deductible might save you $120 monthly compared to premium options.
HMO plans cost less than PPO coverage in Wisconsin. You must use doctors within their network, but families often save $200 to $400 monthly. The trade-off works well if you don't mind choosing from their approved providers.
Premium tax credits through the Health Insurance Marketplace reduce monthly payments based on household income. Families earning up to $100,000 annually may qualify for assistance, so check your eligibility before buying any plan.
Open enrollment offers the best plan selection and the lowest rates each year. Missing this means you have to wait until next year unless you experience a qualified life event like marriage, job loss or moving to Wisconsin.
Verify your current doctors accept the insurance plan you're considering. Call their offices directly or check the insurer's online directory. Switching doctors mid-treatment can disrupt care and cost extra.
For Wisconsin residents, MercyCare Health Plans provides the most affordable rates across multiple coverage tiers.
Both Group Health Cooperative Scw and Dean Health Plan round out the top three with competitive pricing options. These providers regularly feature the lowest premiums statewide.
Find answers to the most common health insurance questions for Wisconsin residents:
During open enrollment, compare multiple plans across different metal tiers from affordable providers like MercyCare Health Plans, Group Health Cooperative Scw and Dean Health Plan. Check eligibility for premium tax credits through the health insurance marketplace. Consider HMO plans for lower monthly costs while balancing premiums against deductibles based on your health care usage.
Wisconsin health insurance averages $747 per month or $8,964 annually across all plan types and metal levels. Monthly premiums span from $212 to $2,897 varying by age, chosen coverage tier and plan type.
Wisconsin does not require residents to have health insurance, and the federal individual mandate penalty was eliminated in 2019. Going without coverage exposes you to medical expenses and means missing out on preventive care benefits and potential premium tax credits through the Health Insurance Marketplace.
We gathered plan information from the federal health insurance marketplace for consumers aged 18 to 60, specifically examining costs for 18, 26, 40, 50 and 60-year-olds. Our cheapest overall rankings focus on 40-year-olds' monthly premiums as this age group is the most common demographically and provides a clear comparison.
Age-specific rankings reflect their respective premium costs. Lower premiums often come with higher deductibles and out-of-pocket maximums, which could increase your costs when receiving care.
About Mark Fitzpatrick
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!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
