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Is getting health insurance in Wisconsin on your to-do list? That's where we come in. Quartz is here to help you figure out ways to get an affordable and high-quality health plan in Wisconsin. The resources on this page will cover what you need to know about health insurance in Wisconsin, including –

  • What to do if you need health insurance right away
  • Ways to apply for health insurance
  • Tips to help you shop for a health plan online
  • A guide to buying health insurance online
  • City-specific resources throughout Wisconsin
Find a variety of health insurance resources for Wisconsin here.

Health Insurance Basics

1. WHAT IS MEDICAL INSURANCE?

Medical insurance, also known as health insurance, is designed to protect people from large medical bills should they become injured or sick and need extensive medical care.

2. WHAT DOES MEDICAL INSURANCE TYPICALLY COVER?

According to the Affordable Care Act (ACA), individual and small group medical insurance plans must include certain types of essential health benefits as well as a specific group of preventive care services available at no cost to the member.

3. WHAT IS A PREMIUM IN HEALTH INSURANCE?

A health insurance premium is the monthly payment made to the insurance company to maintain health insurance coverage.

4. HOW HAS TECHNOLOGY CHANGED THE WAY WE GET HEALTH INSURANCE COVERAGE IN WISCONSIN?

Technology has had a big impact on how people access health insurance coverage and information in Wisconsin.  

Why Health Insurance Coverage Matters

1. HOW FORGOING HEALTH INSURANCE CAN RISK YOUR FINANCIAL FUTURE

Thinking about just throwing your hands in the air and skipping health insurance altogether? It might be wise to think again.

2. HEY, MILLENNIALS! HEALTH INSURANCE SHOULD BE A PRIORITY – AND HERE'S WHY

Even millennials who are young and healthy should be enrolled in a health insurance plan. Here’s why. 

Health Insurance Companies in Wisconsin

1. WHERE CAN I FIND A LIST OF HEALTH INSURANCE COMPANIES?

If you are looking for a list of qualified health insurance companies in Wisconsin, there are three main places you’ll want to search online.

2. THINGS TO LOOK FOR IN MEDICAL INSURANCE COMPANIES

Choosing a medical insurance company in Wisconsin doesn’t have to be stressful! Here’s six things to look for when making the decision for you or your family.

3. SURPRISING FACTS ABOUT HEALTHCARE INSURANCE COMPANIES

Here are a few facts you may find surprising about health insurance companies in Wisconsin. 

4. RULES QUALIFIED HEALTH INSURANCE COMPANIES MUST FOLLOW

The Affordable Care Act (ACA) has created some new rules for health insurance companies in Wisconsin. Knowing these can help you make a more informed choice about your health insurance.

5. NINE TIPS TO COMMUNICATING WITH HEALTH INSURANCE CARRIERS

Few tasks are as daunting as having to talk to an insurance company. Here are a few tips to help.  

About Health Insurance Plans in Wisconsin

1. WHAT ARE MY HEALTHCARE COVERAGE OPTIONS?

Buying health insurance can be very confusing. Understanding your healthcare coverage options is key to making the right decision for your needs.

2. THE MOST POPULAR HEALTH COVERAGE PLANS

Today, individual and family health coverage plans in WI are typically offered in five basic categories, from Catastrophic to Platinum. 

3. BIG CHANGES FOR MEDICAL AND HEALTH INSURANCE PLANS

Many people have heard about the Affordable Care Act (ACA), but it’s hard to know what effect it may have on an average person in Wisconsin. Here are some big changes to be aware of moving forward.

4. WHAT IS HEALTH INSURANCE CHANGING ABOUT PREVENTATIVE CARE COVERAGE?

With a new health care focus on preventing future health issues, health insurance companies are providing more coverage for preventative care. What does this change in health insurance mean for families and individuals?

5. FREQUENTLY ASKED QUESTIONS ABOUT EMERGENCY HEALTH INSURANCE COVERAGE 

Emergency care can be confusing, especially since the Affordable Care Act (ACA) changed how health insurance plans pay for emergency care. Here are some frequently asked questions and answers about emergency health insurance coverage in Wisconsin to help sort out the confusion.

6. ESSENTIAL BENEFITS OF QUALIFIED HEALTH CARE INSURANCE PLANS

All ACA-compliant health care insurance plans in Wisconsin offer the same set of “essential health benefits.” ACA-compliant plans are those that meet the requirements of the Affordable Care Act (ACA) and can be sold in the Health Insurance Marketplace.

7. THE BENEFITS OF CONSUMER DIRECTED HEALTH PLANS 

Consumer directed health plans focus on planning for health spending. This may help minimize the tax impact and allows for careful tracking of health care spending.

8. FREQUENTLY ASKED QUESTIONS ABOUT MAJOR MEDICAL HEALTH INSURANCE 

Today, major medical health insurance is a term that has gone by the wayside. In the past, it sometimes described the kind of insurance you might get if you wanted to be protected in case of some type of major medical event, like a car accident or a heart attack. At other times, it meant the same as comprehensive insurance. 

9. FREQUENTLY ASKED QUESTIONS ABOUT SUPPLEMENTAL MEDICAL INSURANCE PLANS 

Supplemental medical insurance plans may help cover costs that your primary insurance doesn’t cover. In this resource, we cover frequently asked questions about supplemental insurance in Wisconsin.

Getting a Health Insurance Quote in Wisconsin

1. WHAT YOU SHOULD KNOW ABOUT MEDICAL INSURANCE QUOTES

To find medical insurance quotes in Wisconsin, there are two approaches – you may go to the Health Insurance Marketplace (the federal website) or go directly to companies that sell health insurance in Wisconsin.

2. GET FREE HEALTH INSURANCE QUOTES– NO STRINGS ATTACHED

It’s easier and quicker than ever to get free health insurance quotes anytime and anywhere in Wisconsin. All you need is a computer or a mobile phone to access and compare plans and find the coverage that’s right for you.

3. A GUIDE FOR MEN LOOKING FOR INDIVIDUAL HEALTH INSURANCE QUOTES

If you are a single man, finding the right health insurance plan may be overwhelming. Here are a few things to consider before buying a plan.

Choosing a Health Insurance Plan in Wisconsin

1. SHOULD YOU RENEW YOUR CURRENT HEALTH INSURANCE PLAN?

If you get a notification from your insurance company that it’s time to renew your health insurance plan, it’s important to take the time to evaluate whether you have the right coverage.

2. 4 MYTHS ABOUT LOW DEDUCTIBLE HEALTH INSURANCE PLANS

If you’re looking for health insurance, the size of the deductible is critical. But getting a low deductible health insurance plan may not necessarily result in affordable coverage.  Here are myths to be aware of when you’re looking for health insurance in Wisconsin.

3. HOW COBRA CAN PREVENT YOU FROM HAVING NO MEDICAL INSURANCE

If you’re losing your employer-sponsored health insurance, you might be tempted to just go without coverage. But it makes sense to have health insurance – and COBRA can be a good choice. 

4. ALTERNATIVES TO EMPLOYER-PROVIDED HEALTH INSURANCE POLICIES

Does your employer offer health insurance? Do the health insurance policies offered by your employer meet your needs? If the answer to either of these questions is “no,” you may want to get your own health insurance policy directly from an insurance company.

5. WELLNESS PERKS TO LOOK FOR WHEN SHOPPING FOR MEDICAL PLANS

Usually when people think of medical insurance plans, they think of using the plan when they’re sick or injured. However, your health plan may also offer rewards for living a healthy lifestyle. When shopping for medical plans in Wisconsin, look for the following perks that may be included in your coverage.

Affordable Health Insurance Options in Wisconsin

1. HOW CAN I GET LOW COST HEALTH INSURANCE?

The answer to this depends on your specific situation. You pay for health insurance in different ways. You need to know what each type of cost is and when you may have to pay it.

2. WHAT IS THE AVERAGE COST OF HEALTH INSURANCE IN WISCONSIN?

The average cost of health insurance varies. It is based on your age, where you live, and whether or not you use tobacco. Learn more in this health insurance guide to affordable coverage. 

3. FINDING GOOD CHEAP HEALTH INSURANCE PLANS DEPENDS ON YOUR UNIQUE NEEDS

Health insurance plans in Wisconsin (WI) may help save you money if you have an accident or get sick. The question is, which is the cheapest type of health insurance plan for you? 

4. CHOOSING THE RIGHT AFFORDABLE HEALTH PLAN: COPAY VS. COINSURANCE

To find the most affordable individual health insurance coverage, it’s important to learn some health insurance concepts. For example, what do copays and coinsurance mean? They’re both related to what you pay when you use health care services and can have a big impact on your out-of-pocket costs throughout the year.

5. WHY CHEAP HEALTH INSURANCE CAN BE TOO GOOD TO BE TRUE

It might be tempting to save money each month rather than pay higher premiums. However, you could find yourself in a tough situation if you are injured or get sick without adequate coverage. In that case, your cheap health insurance may not help much with your medical bills.

6. CHEAP HEALTHCARE INSURANCE DEDUCTIBLES AREN'T ALWAYS THE BEST OPTION AND HERE'S WHY

Looking for cheap healthcare insurance? If you are, one of the most important numbers to know is the deductible. That is the amount you pay before your health care insurance starts footing the bill. 

7. HOW TO COMPARE HEALTH INSURANCE PLANS IN THE SAME PRICE RANGE 

Cost is usually a primary factor in determining what health plan to purchase. But how do you choose between multiple plans in the same price range? Consider these additional factors when you compare health insurance plans in Wisconsin.

8. AFFORDABLE HEALTH INSURANCE OPTIONS FOR LOW-INCOME ADULTS WITHOUT CHILDREN 

Today, there are still several health insurance options for low income adults in Wisconsin. In this guide, learn about your affordable healthcare plan options. 

9. FACTORS THAT COULD AFFECT YOUR LOW-INCOME MEDICAL INSURANCE SUBSIDIES 

Subsidies may help make medical insurance more affordable for low income families and individuals in Wisconsin. A number of factors may change the type or amount of subsidies you receive that help cover health insurance costs. 

10. VIDEOS TO HELP SHOP FOR LOW COST HEALTH INSURANCE 

Baffled by health insurance wording? Confused about where to find the best low cost health insurance plan for your family? These fun videos make it easy to spend a little time to pick up useful health insurance know-how that may make you a savvier shopper. 

11. ONLINE TOOLS TO CALCULATE CHEAP HEALTH INSURANCE OPTIONS

Shopping for cheap health insurance doesn't top anyone's list of favorite hobbies – especially when confusing changes may affect your coverage options. These resources make it easy to understand plans and decide on the most economical option. 

Healthcare Coverage for Unique Situations in Wisconsin

1. HEALTHCARE PLANS & BIRTH CONTROL COVERAGE

ACA-compliant healthcare plans in Wisconsin cover birth control if it’s prescribed by a health care provider. In addition, if it is a Food & Drug Administration (FDA) approved method, women may pay no co-pay or coinsurance, subject to certain conditions.

2. NAVIGATING YOUR HEALTH INSURANCE OPTIONS AFTER DIVORCE

People who have gone through divorce face many decisions. One of the most important decisions is to choose the right health insurance option – especially for those who had been covered by their former spouse’s employer health insurance plan. 

3. OPTIONS FOR GETTING HEALTH INSURANCE FOR BLENDED FAMILIES 

One of the considerations in blending families is getting everyone covered by health insurance. For example, if a single mom with two kids and a single dad with three kids get married, how is everyone covered? 

4. GETTING MEDICAL COVERAGE WITH A PRE-EXISTING CONDITION

As a result of the Affordable Care Act (ACA), you may now get medical coverage in Wisconsin even if you have a pre-existing condition. The law also states that health insurance companies can’t charge you more because of a pre-existing condition.

5. GUIDE TO FINDING AN AFFORDABLE HEALTH CARE PLAN FOR SURVIVORS OF A SERIOUS ILLNESS

If you’ve survived a serious illness, you know that maintaining your health is priority #1. Finding an affordable health care plan that supports your continuing health care needs can be daunting. Below are some helpful tips that may help you find the right plan. 

6. HOW TO CHOOSE HEALTH INSURANCE IN WISCONSIN FOR YOUR FAMILY MEMBER WITH SPECIAL NEEDS

Knowing how to choose the right health insurance can be a daunting task for anyone, but for those who must also consider special needs, this choice takes on greater responsibility. 

7. WHAT ARE THE QUALIFICATIONS FOR DOMESTIC PARTNER HEALTH INSURANCE?

In Wisconsin, recognition of domestic partnership is provided by law. One of the benefits of domestic partnership is the ability to cover domestic partners (and their qualifying children) on one health insurance policy. 

Affordable Family Health Insurance Options in Wisconsin

1. HEALTH INSURANCE OPTIONS FOR LOW-INCOME FAMILIES

The Affordable Care Act (ACA) has several ways to help low-income families buy health insurance. Families may able to get help with their health care costs.

2. WHAT DO FAMILY HEALTH INSURANCE PLANS COVER?

Most family health insurance plans in Wisconsin offer all essential health benefits if they are an Affordable Care Act (ACA) compliant plan. Because of the ACA, insurance plans in Wisconsin generally must cover the same essential health benefits.

3. WHICH FAMILY HEALTH INSURANCE PLANS ARE MORE AFFORDABLE?

When you’re looking for affordable family health insurance, the right choice depends on your family’s unique situation. Health plans for families are generally offered in five basic categories – bronze, silver, gold, platinum and catastrophic.

4. AFFORDABLE HEALTH INSURANCE OPTIONS FOR KIDS

As a parent, it may be a struggle to balance the costs of health insurance with your other expenses. Fortunately, changes from the new health care law may have provided parents in Wisconsin more affordable health insurance options for their kids.

5. THINGS TO KNOW ABOUT CHILDREN'S HEALTH INSURANCE

Are you shopping for children’s health insurance plans in Wisconsin? You may be interested in learning these key facts before choosing the right option for you and your family.

6. DO CHILDREN HEALTH INSURANCE PLANS PROVIDE ENOUGH COVERAGE?

If you’ve had the same health plan for years and you are expecting or recently welcomed a child, it may be a good time to review the health insurance coverage for your child.

7. DO KIDS HEALTH INSURANCE COVER MENTAL HEALTH SERVICES?

The Affordable Care Act (ACA) requires health insurance plans to cover certain mental health services for kids, ages zero to 18. All kids covered under ACA-compliant health insurance in Wisconsin receive the following benefits.

8. WHAT YOU SHOULD KNOW ABOUT SECONDARY HEALTH INSURANCE PLANS FOR FAMILIES

Secondary health insurance plans may help cover health care expenses not covered by a primary plan. Secondary plans usually work with a primary plan you or your spouse may get through an employer. Some people choose to purchase them in addition to an individual plan.

9. HMO, PPO & POS HEALTH INSURANCE FOR A FAMILY OF FOUR – WHICH IS BETTER?

Finding the right health insurance for a family of four depends on a number of factors, including the age of the family members, whether the children are adult children or under age 18 and, of course, the budget.

Pregnancy and Infant Health Insurance Options in Wisconsin

1. FREQUENTLY ASKED QUESTIONS ABOUT HEALTH INSURANCE FOR PREGNANT WOMEN

The Affordable Care Act (ACA) mandates insurance companies to provide certain benefits to pregnant women, including specific prenatal care, childbirth benefits and certain coverage for babies and children. Following are some frequently asked questions about health insurance for pregnant women in Wisconsin.

2. COSTS OF NOT HAVING HEALTH INSURANCE WITH MATERNITY COVERAGE

Did you know that it’s possible to have health insurance without maternity coverage? If you’re planning to get pregnant, be sure to check your benefits.

3. OPTIONS FOR INFANT HEALTH INSURANCE

A new baby brings many new decisions and one of the most important is to find the right health insurance for your infant. In Wisconsin, state laws allow you to add your infant to your already existing plan up to one year after the birth of the child and the effective date will still be the child’s date of birth.

4. BABY HEALTH INSURANCE FREQUENTLY ASKED QUESTIONS

If you are planning for the birth of a new baby, you may be interested in learning about health insurance options for the latest addition to your family. In this resource, we’ll answer some frequently asked questions about baby health insurance.

5. WHICH PEDIATRIC VACCINATIONS ARE COVERED BY BABY HEALTH INSURANCE?

Almost all vaccinations for your baby should be covered by your health insurance. Baby health insurance plans in Wisconsin that meet the Affordable Care Act (ACA) rules include vaccinations for newborns. 

Private Health Insurance Options in Wisconsin

1. WHAT IS PRIVATE HEALTH INSURANCE?

The term private health insurance generally means insurance that is not paid for through government programs such as Medicare, Medicaid (called BadgerCare Plus in Wisconsin) or VA Health Coverage, for example.

2. FIVE DIFFERENT TYPES OF PRIVATE HEALTH INSURANCE COVERAGE

In Wisconsin, there are five different types of private health insurance coverage to choose from. Understanding the differences in these five types of health insurance can help you identify the right health coverage for your needs.

3. PRIVATE MEDICAL INSURANCE FOR THE SELF-EMPLOYED

If you are self-employed in Wisconsin, you can buy private medical insurance from a health insurance company or from the Health Insurance Marketplace.

4. I LOST MY JOB: WHAT ARE MY UNEMPLOYED HEALTH INSURANCE OPTIONS?

Becoming unemployed can be very stressful and money may get tight. Going without health insurance is not an option for many Wisconsinites – luckily, there are options available to help you get the coverage you require.

5. ARE PRIVATE HEALTH INSURANCE COMPANIES REQUIRED TO PROVIDE COVERAGE WHEN TRAVELING?

If you are privately insured in Wisconsin, it’s important to know what type of coverage you have when traveling. All private health plans that comply with the Affordable Care Act (ACA) must provide emergency care coverage, even when you're traveling.

6. HOW MUCH DOES PRIVATE HEALTH INSURANCE COST FOR SMOKERS?

According to the Affordable Care Act (ACA), you can’t be denied insurance coverage if you smoke. However, Wisconsin state law allows tobacco users to be charged up to 50 percent more for premiums.

HMO Health Insurance Plan Options in Wisconsin

1. WHAT IS HMO HEALTH INSURANCE AND IS IT RIGHT FOR ME?

Health Maintenance Organization, or HMO, is a type of health insurance coverage that usually requires members to get care from doctors who work for or contract with the HMO.

2. FACTS ABOUT HMO PLANS

A Health Maintenance Organization, or HMO, is a very common type of health insurance plan in Wisconsin. If you’re considering an HMO plan, it’s important to know a few facts.

3. SIX FACTORS TO HELP YOU CHOOSE THE RIGHT HMO PLAN

Health Maintenance Organization (HMO) plans are a common type of health insurance in Wisconsin. Here are 6 factors to help you choose an HMO plan that may be right for you.

Applying for Health Insurance in Wisconsin

1. HOW TO APPLY FOR HEALTH INSURANCE IN WISCONSIN

Open enrollment is the only time you can apply for health insurance unless you have a qualifying event. There are four main options to apply for health insurance in Wisconsin, including online and by phone.

2. HOW TO BUY HEALTH INSURANCE ONLINE

If you're looking to purchase health insurance online, you have options. Wisconsin residents may buy health insurance through the Health Insurance Marketplace or directly on a health insurer's website.

3. WHEN IS THE BEST TIME TO GET HEALTH INSURANCE?

For people looking to buy their own health insurance policies in Wisconsin, the best time to buy is during Open Enrollment. Open Enrollment is the time that anyone can buy, change or renew their individual or family policies.

4. WHEN IS OPEN ENROLLMENT FOR HEALTH INSURANCE?

In the past, you could buy an individual or family policy any time. That is no longer the case unless you have a special enrollment event. With the ACA, a limited "open enrollment" period has been implemented. 

5. WHAT IS A SPECIAL ENROLLMENT PERIOD FOR HEALTH INSURANCE?

When the Affordable Care Act became law, it restricted when people can sign up for individual health insurance. Individuals can’t buy health insurance any other time during the year, unless they qualify for a Special Enrollment Period (SEP).

6. LIST OF QUALIFYING EVENTS FOR HEALTH INSURANCE SPECIAL ENROLLMENT PERIODS

Since the Affordable Care Act came into effect, people can’t buy individual health insurance just any time of the year. View a list of qualifying events for health insurance that trigger Special Enrollment Periods.

7. WHAT IF I NEED HEALTH INSURANCE RIGHT NOW?

If you need health insurance right now, you may be in luck if its during open enrollment. The Affordable Care Act sets up a three-month period (open enrollment) when everyone may either re-enroll in their insurance, change insurance or buy insurance. 

City-Specific Health Insurance Resources

HEALTH INSURANCE IN BELOIT, WISCONSIN

If protecting you and your family with the right health insurance company in Beloit is at the top of your list, we can help.

HEALTH INSURANCE IN BEAVER DAM, WISCONSIN

If you live in Beaver Dam and you’re looking for one of the nation’s highest rated health plans for you and your family, we are a health insurance company dedicated to serving your needs. 

HEALTH INSURANCE IN DEFOREST, WISCONSIN

If you’re unwilling to compromise on your family’s health coverage, consider Quartz Benefits. We are ready to serve you right here in DeForest. 

HEALTH INSURANCE IN FITCHBURG, WISCONSIN

Fitchburg, Wisconsin is a growing city with both rural and a mix of suburban neighborhoods that border Madison. As a health insurance company, we help Fitchburg residents access care that promotes good health. 

HEALTH INSURANCE IN FORT ATKINSON, WISCONSIN

If you’re looking for a health insurance company in Fort Atkinson, read on for information about our network options, how to get care, and other benefits of becoming a member.

HEALTH INSURANCE IN JANESVILLE, WISCONSIN

When it comes to protecting the life you’ve built, you deserve a health insurance company that puts you and your family first. Read on for information about our Janesville network options, how to get care, and other benefits of becoming a member.

HEALTH INSURANCE IN JEFFERSON, WISCONSIN

The city of Jefferson offers the comforts of small town living and access to the resources of larger metropolitan areas. Quartz takes pride in providing a similar balance for its health insurance members and their families. 

HEALTH INSURANCE IN JOHNSON CREEK, WISCONSIN

If you reside in Johnson Creek and you’re searching for a new health insurance company to help protect the life you’ve built here, we’re Quartz. We offer the coverage you need, along with added perks you deserve. 

HEALTH INSURANCE IN MIDDLETON, WISCONSIN

It’s also no surprise that many Middleton residents put Quartz Benefits at the top of their list when selecting local health insurance. Learn which Quartz health insurance plans are available for you and your family, how to get care and additional member benefits.

HEALTH INSURANCE IN MONROE, WISCONSIN

As a health insurance company dedicated to excellent service to our members, we’d like to introduce you to Quartz, one of the nation’s highest rated health plans. 

HEALTH INSURANCE IN PLATTEVILLE, WISCONSIN

Platteville residents looking for individual and family health care plans are eligible to become members of Quartz Benefits. 

HEALTH INSURANCE IN PORTAGE, WISCONSIN

We offer Portage, Wisconsin residents access to a health insurance company that offers flexible plan options, health and wellness rewards, and access to UW Health providers. 

HEALTH INSURANCE IN PRAIRIE DU SAC, WISCONSIN

Whether you live in town or in one of the area’s rural neighborhoods, you have access to Quartz Benefits Health Insurance right here in Prairie du Sac. 

HEALTH INSURANCE IN REEDSBURG, WISCONSIN

If you’re a Reedsburg resident looking for outstanding health coverage for you and your family, consider the many benefits of Quartz Benefits Health Insurance. 

HEALTH INSURANCE IN SAUK CITY, WISCONSIN

Headquartered right here in Sauk City, we are Quartz Benefits, and we offer flexible health plans and numerous perks for becoming a member. 

HEALTH INSURANCE IN SUN PRAIRIE, WISCONSIN

If you’re an individual or family looking for health insurance in Sun Prairie, read on for information about our Sun Prairie network options, how to get care, and other benefits of becoming a Quartz member. 

HEALTH INSURANCE IN VERONA, WISCONSIN

If you live in Verona, Wisconsin and are searching for the right health insurance company for you and your family, welcome to Quartz Benefits. 

HEALTH INSURANCE IN WATERTOWN, WISCONSIN

As a health insurance company that cares about the health and wellness of its members, we offer many plans to Watertown residents. 

HEALTH INSURANCE IN WAUKESHA, WISCONSIN

If you live in Waukesha and want excellent health care coverage for you and your loved ones, consider Quartz Benefits Health Insurance.