Finding health insurance is a straightforward process. At www.healthcare.gov, you can browse Affordable Care Act marketplace plan options and quickly see if you qualify for a subsidy to pay your premiums.
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How to Buy Health Insurance in Wisconsin
To purchase coverage through the Health Insurance Marketplace, visit www.healthcare.gov. You can enroll in a plan during the open enrollment, a Special Enrollment Period, or if you experience a qualifying event. If you are eligible for coverage that meets the minimum standards through your employer, you will not be eligible for a premium subsidy for a marketplace plan. Low-income individuals may qualify for Medicaid or BadgerCare Plus coverage with low or no premiums.
How to Apply for Health Insurance in Wisconsin
To apply for health insurance in Wisconsin, visit www.healthcare.gov and complete an application. The application will ask questions about your income and family, and you will need to submit proof of income to enroll in a plan. All of the available plan options offer Essential Health Benefits.
Health Insurance Carriers In Wisconsin
Wisconsin has 14 health insurance carriers:
- Aspirus Health Plan
- Children’s Community Health Plan
- Common Ground Healthcare Cooperative
- Compcare Health Services Insurance Corporation
- Dean Health Plan
- Group Health Cooperative of South Central Wisconsin
- HealthPartners Insurance
- Medica Health Plans of Wisconsin
- MercyCare HMO Inc
- Molina
- Network Health Plan
- Quartz Health Benefits
- Security Health Plan of Wisconsin, Inc
- WPS
Wisconsin Health Insurance Costs Overview
There are three main metal tiers for health insurance in Wisconsin: Bronze, Silver, and Gold.
As 2025 data is not yet available, we have used statistics from 2024 to reflect costs so you can have an idea of what to expect.
How Much Does Health Insurance Cost in Wisconsin?
Wisconsin has an average benchmark premium of $476 for 2024.
What is the Cheapest Health Insurance Plan in Wisconsin?
The cheapest marketplace plan for Wisconsin residents is the one that gives them the most coverage for their needs at the lowest cost. Enter your zip code below to find the best plan for you.
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Cheapest Wisconsin Health Insurance Coverage by Metal Tier
As 2025 data is not yet available, we have used statistics from 2024 to reflect costs so you can have an idea of what to expect.
Note that all costs are 2025 pricing from KFF. (source)
Gold Plans
The average lowest cost premium of a Gold Plan in Wisconsin in 2025 was $540.
Silver Plans
The average lowest cost premium of a Silver Plan in Wisconsin in 2025 was $487.
Bronze Plans
For a Bronze plan, the average lowest premium in 2025 was $377.
Other Types of Wisconsin Health Insurance Coverage
Catastrophic Health Insurance in Wisconsin
Wisconsin has catastrophic health plans available. Catastrophic plans offer low premiums and high deductibles, and they are only offered to applicants under the age of 30. If you qualify for premium subsidies, other plan options may be equally affordable.
Short Term Health Insurance in Wisconsin
Short-term health insurance is available in Wisconsin for up to 18 months. If enrolling in a short-term plan, be advised they are not required to meet the federal minimum standards set forth by the ACA. Short-term plans may exclude pre-existing conditions, preventive care coverage, or entire coverage categories like prescriptions or mental health.
Low Income Health Insurance in Wisconsin
Wisconsin Medicaid offers coverage for adults with income up to the poverty line. To see if you are eligible for Wisconsin Medicaid, visit the ACCESS Wisconsin website.
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Sources:
Marketplace Average Benchmark Premiums, KFF, accessed 08/16/2023, https://www.kff.org/health-reform/state-indicator/marketplace-average-benchmark-premiums/?currentTimeframe=0&sortModel=%7B%22colId%22:%22Location%22,%22sort%22:%22asc%22%7D
Average Marketplace Premiums by Metal Tier, 2018-2025, KFF, accessed 08/16/2023, https://www.kff.org/health-reform/state-indicator/average-marketplace-premiums-by-metal-tier/?currentTimeframe=0&sortModel=%7B%22colId%22:%22Average%20Lowest-Cost%20Bronze%20Premium__2022%22,%22sort%22:%22desc%22%7D