Best Cheap Health Insurance in Wisconsin 2019

Find the Cheapest Health Insurance Quotes in Your Area

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Affordable health insurance is available in Wisconsin through the state's marketplace. Finding the best health insurance can be difficult, so to help you get started we analyzed all Silver policies available on the state exchange. We found that in the majority of Wisconsin, either the Select $6,000 - 30%, Dean Silver Copay Plus 3250X or Envision Aurora Bellin ThedaCare CHHS - Silver 5500/80 was the cheapest health plan. But depending on the county you live in, some of these plans may not be available, and the cost will differ as well. For example, the Dean Silver Copay Plus 3250X is only available in 20 counties, and the monthly premium ranges from $360 to $508 within these counties.

Cheapest Health Insurance by Metal Tier

We compared health insurance policies in Wisconsin by metal tier to find the most affordable policy at each level of coverage you may see on the state exchange. Although the plans below may not be available depending on the county you live in, the table provides a good starting point to compare the costs and benefits you may expect from a given metal tier. As you can see below, health plans with higher monthly rates would mean lower out-of-pocket expenses. The MercyCare HMO Silver Option C, for instance, costs at least $385 per month, and is $134 more expensive than the MercyCare HMO Bronze Option C. However, the Silver health plan's deductible is over $2,500 lower.

Metal TierCheapest PlanDeductibleOut-of-Pocket MaximumMonthly Cost for a 40-Year-Old
CatastrophicDean Catastrophic Safety Net$7,350$7,350$233.90
BronzeMercyCare HMO Bronze Option C$6,550$6,550$250.08
Expanded BronzeMercyCare HMO Bronze Option D Simple Choice Plan$6,000$6,000$262.44
SilverMercyCare HMO Silver Option C$4,000$4,000$384.51
GoldDean Focus Network Gold Value Copay 3500X$3,500$3,500$370.52
PlatinumSelect Platinum 500 Ded/3000X MOOP$500$1,000$528.24

In addition to a policy's metal tier, your age is an important factor in determining the actual cost of a health insurance plan. As age increases, health insurance premiums across all metal tiers increase. For example, the average price difference between a 21-year-old and 40-year-old ranges from $68 to $130 in Wisconsin, depending on the metal tier of health plan you choose. A 40-year-old would pay $129 more per month than a 21-year-old for a Silver plan, but only pay $93 more on average with a Bronze plan.

Average Monthly Cost of Health Insurance Plans by Metal Tier in Wisconsin

Finding the Best Health Insurance Coverage in Wisconsin

The best cheap health insurance plan in Wisconsin will depend on the county you live in, as even the same policy may have different monthly premiums based on where you live. For example, the Dean Silver Copay Plus 3250X has a monthly premium of $360 in Adams County, but costs $50 more per month in Dodge County.

Typically, higher metal tier policies have costlier monthly premiums, but they also provide lower out-of-pocket expenses, like deductibles, copays and coinsurance. If you think you may become sick or already have high recurring medical costs, like prescriptions, a higher metal tier policy may be the best choice for you. Alternatively, if you're young and healthy, a lower metal tier may help you to save money.

Gold and Platinum Plans: Best for High Expected Medical Costs

Platinum and Gold plans are considered higher metal tier health plans. They typically cover the greatest share of out-of-pocket costs, which means lower deductibles, copays and coinsurance. But these benefits come at the expense of a higher monthly premium. Generally, these health insurance plans are the best in terms of cost-effectiveness if you expect to incur high medical expenses, such as from chronic conditions, or have costly prescriptions. For example, on average, you can expect a Gold plan to cover roughly 80% of your health care expenses, while you pay the other 20%.

Silver Plans: Best for those with Low Income or Average Medical Costs

Silver policies offer a middle ground between higher metal tier plans, like Platinum or Gold, and lower metal tier plans, like Bronze or Expanded Bronze. For middle and higher-income households, in terms of monthly premiums and out-of-pocket costs, Silver plans fall between higher and lower metal tier plans. But lower-income households can qualify for cost-sharing reduction (CSR) subsidies with a Silver health plan, which would further lower your out-of-pocket expenses. Typical Silver plans cover about 70% of your health care costs while you pay 30%. But under CSR subsidies, you could qualify for a Silver plan that covers up to 94% of your health care costs.

Bronze and Catastrophic Plans: Best for Young, Healthy People

Catastrophic plans may offer the lowest monthly rates, but are limited to those under 30 or those who qualify for an exemption. Furthermore, these plans provide the least coverage and are only recommended if you have the financial means to cover a large portion of your health care expenses in case of an emergency. For example, in Adams County, the Dean Catastrophic Safety Net has a deductible of $7,350, which is over $4,000 greater than the deductible on the Dean Silver Copay Plus 3250X plan in Adams County.

Bronze plans are open to everyone and similarly offer cheaper monthly premiums than higher metal tier plans alongside reduced coverage and higher out-of-pocket costs. So, if you need medical care during the year, you would have to pay more money out of pocket before coverage kicks in. On average, you can expect a Bronze plan to cover about 60% of your health costs, while you pay for the other 40%. Expanded Bronze plans increase coverage to about 65%, while you pay roughly 35%.

Best Cheap Health Insurance Companies in Wisconsin

With 11 health insurance companies, the health insurance marketplace in Wisconsin has one of the country's largest selection of insurers.

Wisconsin Health Insurance Companies

  • Aspirus Arise Health Plan of Wisconsin Inc.
  • Children's Community Health Plan
  • Common Ground Healthcare Cooperative
  • Dean Health Plan
  • Group Health Cooperative of South Central Wisconsin
  • HealthPartners Insurance Co.
  • Medica Health Plans of Wisconsin
  • MercyCare HMO Inc.
  • Network Health Plan
  • Security Health Plan of Wisconsin Inc.
  • Unity Health Plans Insurance Corp.

Although there are 11 companies across the state, most counties only have two or three health insurers to choose from, and no health insurance company is available in every county. When possible, we recommend starting your search with either Security Health Plan of Wisconsin Inc., Common Ground Healthcare Cooperative, or Dean Health Plan, as they usually offer the cheapest Silver Plans in a given county. If more than one of these are offered, Dean Health Plan typically provides the lowest cost health insurance plans.

Cheapest Health Insurance Plan By County

Because the county that you live in determines the availability of health insurers, policies available and their rates, finding the best health plan for you may be difficult. To make this process simpler, in the table below we compared rates for every policy in Wisconsin to find the cheapest Silver health plan in each county.

CountyCheapest Silver PlanSingle Adult, Age 40Couple, Age 40Couple, Age 40, and Child
AdamsDean Silver Copay Plus 3250X$460$919$1,195
AshlandSelect $6,000 - 30%$521$1,042$1,354
BarronSelect $6,000 - 30%$558$1,116$1,450
BayfieldSelect $6,000 - 30%$521$1,042$1,354
BrownEnvision Aurora Bellin ThedaCare CHHS - Silver 5500/80$673$1,346$1,749
BuffaloSelect $6,000 - 30%$532$1,063$1,381
BurnettSelect $6,000 - 30%$521$1,042$1,354
CalumetEnvision Aurora Bellin ThedaCare CHHS - Silver 5500/80$538$1,077$1,399
ChippewaSelect $6,000 - 30%$569$1,138$1,478
ClarkSelect $6,000 - 30%$558$1,116$1,450
ColumbiaSelect Silver Simple Choice Plan$470$940$1,221
CrawfordDean Silver Copay Plus 3250X$469$938$1,219
DaneDean Focus Network Silver HSA-E 3500X$427$854$1,109
DodgeSelect Silver Simple Choice Plan$470$940$1,221
DoorEnvision Aurora Bellin ThedaCare CHHS - Silver 5500/80$673$1,346$1,749
DouglasSelect $6,000 - 30%$521$1,042$1,354
DunnSelect $6,000 - 30%$569$1,138$1,478
Eau ClaireSelect $6,000 - 30%$569$1,138$1,478
FlorenceSelect $6,000 - 30%$516$1,031$1,340
Fond Du LacDean Silver Copay Plus 3250X$526$1,053$1,368
ForestSelect $6,000 - 30%$516$1,031$1,340
GrantDean Silver Copay Plus 3250X$469$938$1,219
GreenMercyCare HMO Silver Option C$385$769$999
Green LakeDean Silver Copay Plus 3250X$460$919$1,195
IowaDean Silver Copay Plus 3250X$469$938$1,219
IronSelect $6,000 - 30%$516$1,031$1,340
JacksonSelect $6,000 - 30%$532$1,063$1,381
JeffersonSelect Silver Simple Choice Plan$470$940$1,221
JuneauDean Silver Copay Plus 3250X$460$919$1,195
KenoshaTogether Silver$509$1,018$1,322
KewauneeEnvision Aurora Bellin ThedaCare CHHS - Silver 5500/80$673$1,346$1,749
La CrosseGundersen Health System (R) Silver 7100 Value - PCP Copay $75$647$1,295$1,682
LafayetteDean Silver Copay Plus 3250X$469$938$1,219
LangladeSelect $6,000 - 30%$516$1,031$1,340
LincolnSelect $6,000 - 30%$505$1,010$1,312
ManitowocEnvision Aurora Bellin ThedaCare CHHS - Silver 5500/80$673$1,346$1,749
MarathonSelect $6,000 - 30%$505$1,010$1,312
MarinetteEnvision Aurora Bellin ThedaCare CHHS - Silver 5500/80$673$1,346$1,749
MarquetteDean Silver Copay Plus 3250X$460$919$1,195
MenomineeSelect $6,000 - 30%$521$1,042$1,354
MilwaukeeTogether Silver$548$1,096$1,424
MonroeGundersen Health System (R) Silver 7100 Value - PCP Copay $75$647$1,295$1,682
OcontoEnvision Aurora Bellin ThedaCare CHHS - Silver 5500/80$673$1,346$1,749
OneidaSelect $6,000 - 30%$516$1,031$1,340
OutagamieEnvision Aurora Bellin ThedaCare CHHS - Silver 5500/80$538$1,077$1,399
OzaukeeTogether Silver$556$1,112$1,445
PepinSelect $6,000 - 30%$569$1,138$1,478
PierceEngage by Medica Silver Copay$546$1,092$1,419
PolkAtlas Individual $3000 HSA Silver$554$1,108$1,439
PortageSelect $6,000 - 30%$505$1,010$1,312
PriceSelect $6,000 - 30%$558$1,116$1,450
RacineTogether Silver$509$1,018$1,322
RichlandDean Silver Copay Plus 3250X$460$919$1,195
RockMercyCare HMO Silver Option C$385$769$999
RuskSelect $6,000 - 30%$558$1,116$1,450
Saint CroixEngage by Medica Silver Copay$546$1,092$1,419
SaukDean Focus Network Silver HSA-E 3500X$419$838$1,089
SawyerSelect $6,000 - 30%$521$1,042$1,354
ShawanoSelect $6,000 - 30%$521$1,042$1,354
SheboyganEnvision Aurora Bellin ThedaCare CHHS - Silver 5500/80$538$1,077$1,399
TaylorSelect $6,000 - 30%$558$1,116$1,450
TrempealeauSelect $6,000 - 30%$532$1,063$1,381
VernonDean Silver Copay Plus 3250X$469$938$1,219
VilasSelect $6,000 - 30%$516$1,031$1,340
WalworthMercyCare HMO Silver Option C$385$769$999
WashburnSelect $6,000 - 30%$521$1,042$1,354
WashingtonTogether Silver$556$1,112$1,445
WaukeshaTogether Silver$556$1,112$1,445
WaupacaSelect $6,000 - 30%$542$1,084$1,409
WausharaElite Silver 7100 Value - PCP Copay $75$602$1,204$1,564
WinnebagoEnvision Aurora Bellin ThedaCare CHHS - Silver 5500/80$538$1,077$1,399
WoodSelect $6,000 - 30%$505$1,010$1,312

Average Cost of Health Insurance by Family Size in Wisconsin

Metal tier and age play an important role in determining the cost for individual monthly premiums, but in addition to these, family size will affect your monthly health insurance rates. In Wisconsin, the average cost of health insurance for a family of three, assuming two 40-year-old parents and a child, is $1,542.

For each additional child, the average cost of a Silver health plan increases by $355, so a family of four, assuming two parents and two children, would pay an average of $1,897 per month for health coverage. Note that the cost of insuring children through age 14 remains flat, but once they turn 15, the monthly premium will increase as they get older.

Family SizeAverage Monthly Cost of Health Plan
Single Adult$593
Adult Couple$1,187
Family of three (Adult couple and a child)$1,542
Family of four (Adult couple and two children)$1,897
Family of five (Adult couple and three children)$2,252
Adults are assumed to be 40 years old. Sample rates are based on the average cost for a Silver plan in Wisconsin.

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Editorial Note: The editorial content on this page is not provided or commissioned by any financial institution. Any opinions, analyses, reviews, statements or recommendations expressed in this article are those of the author’s alone, and may not have been reviewed, approved or otherwise endorsed by any of these entities prior to publication.