Individual & family health insurance in Wisconsin
When you buy your own insurance, a plan has to work for everyone who will use it. Start with the clinics you rely on, the prescriptions you refill and what your household could pay in a busy year.
What brings you to the Marketplace?
Leaving a job? Get the last day of your current coverage in writing. Losing qualifying coverage can open a special enrollment window. Ask when the new policy can start and what documents the Marketplace needs.
Self-employed? Gather your best estimate of household income for the coverage year. The Marketplace uses your application to determine eligibility for savings. Update it if your estimate changes.
Renewing a plan? Check next year’s premium, network and drug list even if the plan name looks familiar. Check enrollment options at HealthCare.gov.
Compare two plans using your own numbers
Imagine a plan that costs $75 more each month. That is $900 more over a year before anyone uses care. Would its lower visit costs or better prescription coverage make up that difference for your family?
- In a typical year, add 12 months of premiums to your expected visits and refills. Check whether you pay a copay right away or the negotiated price until you meet the deductible.
- In a high-use year, compare annual premiums plus the in-network out-of-pocket maximum. Allow separately for uncovered services and out-of-network care.
- For a family, check both the individual and family deductibles. Ask how costs accumulate if one person needs most of the care.
Plan your household coverage review
Bring the names of your clinics, prescriptions and pharmacies, your coverage end date and a comfortable monthly budget. We can work through the same list for each plan.
