Find Affordable Health Insurance In Wisconsin

Wisconsin Major Medical Plans

Obamacare also known as the Affordable Care Act (ACA) health insurance covers more than doctor visits and surgical procedures. Most plans cover some or all of your prescription drug costs as well as services related to health care like rehab, physical therapy, mental health and nursing home care. 

When Is Federal Open Enrollment?

You may enroll in an ACA health plan during the Federal Open Enrollment period. This typically occurs annually from November 1 through January 15.

When Is Wisconsin’s Open Enrollment Period?

Wisconsin follows the annual federal open enrollment schedule of November 1 through  January 15.

Special Enrollment Periods

Within 60 days of a qualifying life event, you may enroll in an ACA health plan outside of the federal Open Enrollment.

Types Of Qualifying Life Events:

• Loss of health coverage. Losing existing health coverage, including job-based, individual, and student plans.
• Changes in marital status (getting married/divorced)
• Having a baby or adopting
• Changes in residence. Moving to a different ZIP code or county

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Temporary Medical Insurance In Wisconsin

A short-term health insurance plan can help you with basic medical coverage during a gap in insurance coverage.

What Is COBRA Insurance?

The Federal COBRA Act gives workers and their qualified dependents the right to continue coverage of their workplace health insurance if that coverage would end due to a qualifying event. 

COBRA is available for up to 18 months for workers and 36 months for families. 

To begin a COBRA plan, the employer who offered the work health insurance will send information on enrollments within 45 days of losing those benefits.

Low-Income Health Insurance In Wisconsin

BadgerCare Plus is a health care coverage program for low-income Wisconsin residents.

Who can enroll?

• Children
• Pregnant women
• Adults (this includes adults ages 18 through 25 who were in foster care hen they turned 18)

To find out if you qualify, visit access.wi.gov.

Reporting Health Insurance Fraud In Wisconsin

Health insurance frauds are getting more widespread as the expense of health care rises. Be wary of unlicensed insurers who provide low-cost coverage but then refuse to pay claims. Also, be aware of so-called “cheap health plans,” which aren’t truly insurance at all but market as if they are.

When in doubt, contact Wisconsin’s Office of the Commissioner of Insurance to ensure you’re dealing with a licensed insurer. Remember, if anything appears to be too good to be true, it generally is!