WI – Affordable Wisconsin Health Insurance

Wisconsin Health Insurance

Affordable Wisconsin Health Insurance

Looking for affordable Wisconsin health insurance or even free health care coverage? You’ve come to the right place!


Did you know that there are about 494,000 Wisconsinites or 9% of the total state population who do not have any health insurance?

The largest number of uninsured (about 138,000) are aged 30 to 49 years old. And the rate of uninsurance is highest rate (about 16%) amont young adults, aged 19-29.

If you are among those without Wisconsin health insurance, we’re here to help. This guide provides you with valuable resources to help you find affordable and low cost Wisconsin Health Insurance and even free health services.


Get free no obligation health insurance quotes here!


Affordable Wisconsin Health Insurance if You’re Unemployed

If you have recently lost your job, don’t delay.

Check out the various unemployed health insurance options available to you to ensure you have the necessary health care coverage for you and your family.

Note that in Wisconsin, insurance companies may decline insurance, charge more, or limit coverage to an applicant due to health status, age, or other factors.

Insurance companies may also impose a waiting period for a pre-existing condition. Many different policies exist and it is your your needs.

Make sure you understand your rights to individual and group health insurance coverage in Wisconsin. Remember you are not guaranteed the right to move between policies, so switching plans can be difficult.

Georgetown University has developed a comprehensive Consumer’s Guide to Getting and Keeping Health Insurance in Wisconsin.

This guide outlines your rights and protection under the federal and state law, if you buy, keep or switch health insurance plans in Wisconsin. You can read it at www.healthinsuranceinfo.net.

Affordable Wisconsin Health Insurance if You’re working and Uninsured


For any questions regarding obtaining Wisconsin health insurance, you can visit Office of the Commissioner of Insurance (OCI) of the State of Wisconsin or call (800) 236-8517.

Affordable Wisconsin Health Insurance for the Self-Employed

If you’re a solo entrepreneur, here are helpful tips in finding affordable self employed health insurance plans.

If you are unable to obtain Wisconsin health insurance coverage or if your insurance premiums for coverage are greater than an average risk, you may be eligible for coverage under the Health Insurance Risk Sharing Plan (HIRSP).

HIRSP is administered by Wisconsin’s Department of Health and Family Services. More information about the program may be acquired by contacting:

6406 Bridge Rd., Ste. 18
Madison, WI 53784-0018
1-800-828-4777 or 608-221-4551

Affordable Wisconsin Health Insurance for Small Businesses

A small employer is defined as someone who employs at least two but no more than 50 employees in Wisconsin.

Wisconsin small employers are not required by law to offer health care benefits. However, many small employers offer health benefits to their employees in order to attract and keep good employees.

To learn more about how to get small business health insurance, click here. This guide contains helpful tips on finding the right health insurance plans for your business.

The office of the Commissioner of Insurance (OCI) has published this Guide to Health Insurance for Small Employers and Their Employees.

This guide is designed to help you make sense of your small business health insurance options. It contains information on the small employer health insurance law, definitions of health insurance terms, worksheets and checklists.

Furthermore, OCI has developed a web page dedicated to helping small employers understand the different types of insurance policies on the market, how much coverage to buy, and how to buy it wisely.

Affordable Wisconsin Maternity Health Insurance

We’ve recently published a guide on how you can get Maternity Insurance in Wisconsin. This guide is dedicated to helping you find Wisconsin maternity health insurance coverage, whether you’re just planning a family or are already pregnant but with no health insurance.

The guide contains valuable resources to affordable and even low cost maternity health insurance options as well as links to medical or health care centers who could provide you immediate prenatal care even if you are having difficulty getting pregnancy insurance.

In the meantime, check the following resource pages on this site. If you’re planning a family and looking for maternity insurance options, click here.

If you’re already pregnant, find maternity health insurance coverage options here.

Wisconsin Health Insurance Programs

If you can not afford to buy health insurance on your own, you may qualify for federally-funded or state-funded programs, which have income and asset eligibility requirements. In Wisconsin, these programs include:

Wisconsin Medicaid

Medicaid is a joint federal/state program established in 1965 designed to cover medical services for people with disabilities, people 65 years and older, children and their caretakers, and pregnant women who meet the program’s financial requirements.

It provides reimbursement for and assure the availability of appropriate medical care to persons who meet the criteria for Medicaid.

Wisconsin Medicaid is also called the Medical Assistance Program.

Visit Wisconsin Medicaid or call 1.800.362.3002 to learn more about the eligibility requirements and benefits of this program.


If you do not qualify for Wisconsin Medicaid, you can look into BadgerCare, which offers low cost or even free Wisconsin Health Insurance depending on your income.

BadgerCare is a Wisconsin program designed to assist lower income, working families obtain health insurance at a reasonable price.

To be eligible for BadgerCare, you must meet all of the following criteria: you must have children under age 19 living with you; your income must be within the guideline limits; and you must not be covered by any other health insurance.

BadgerCare provides a comprehensive health benefit package. If you would like more information about BadgerCare, contact your County Department of Social or Human Services Office, your Certifying Tribal Agency, or call 800-363-3002.

If you think you might be eligible, call 1-800-362-3002 (TTY and translation services available).

If you need help finding out what programs exist, if you qualify for these programs and how to work through the system, you could get help through Legal Action of Wisconsin, Inc at 414.278.7722 or visit www.legalaction.org. To find legal service office near you, you can check www.lsc.gov .


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