Health Insurance Carriers in Wisconsin (WI)

Wisconsin has different rules regarding insurance providers and plans. Click on the links provided below for more information concerning Wisconsin providers. After that, check out the laws specific to Wisconsin insurance. When you’re ready, request your free and personalized quote.

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Health Insurance Providers in Wisconsin

American Medical Security
Assurant Health (Formerly Fortis)
BlueCross BlueShield of Wisconsin
Celtic
Clarendon National
Fairmont Specialty Group / TIG
Golden Rule
Midwest Security
Principal Life
Security Life

Group Health Insurance in Wisconsin

• If eligible, no one can be denied coverage or charged extra due to a health problem.
• The entire employee group must be covered under group insurance.
• Because of life changes involving family or employment, special opportunities for group coverage may be made available.
• An employer may require a waiting period before offering group health insurance to a new employee.
• A new HMO may require an affiliation period.
• Group insurers may review six months of prior medical history for pre-existing conditions of new applicants.
• An exclusion period of up to 12 months may be required.
• If continuous coverage has been maintained without a break longer than 63 days, creditable coverage is available.
• Contact your employer for more details.

Small Business Health Insurance in Wisconsin

• Employers of less than 50 employees may not be denied small group health coverage due to sickness in the employee group.
• Coverage can’t be cancelled because of sickness in the employee group.
• There are limits on premiums and the renewals of coverage.

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Self-Employed Health Insurance in Wisconsin

• The self-employed may not purchase group insurance.
• Contact the Wisconsin Commissioner of Insurance for regulations dealing with business and professional associations offering insurance.

Office of the Commissioner of Insurance
121 East Wilson Street
Madison, WI 53703
oci.wi.gov

Individual Health Insurance in Wisconsin

• Individual health insurers may deny coverage based on health problems.
• Pre-existing conditions may be excluded from coverage for up to two years.
• Providers may attach an elimination rider to the policy.
• Pregnancy may be considered a pre-existing condition; genetic information may not.
• No creditable coverage is available.
• Insurance can not be cancelled due to illness.
• Should the company stop providing individual coverage, coverage will be cancelled.
• Premium prices may be based on health and other factors.

Wisconsin Health Care Programs

Wisconsin Health Insurance Risk Sharing Plan, Medicaid, Badgercare, and Well Women Program are financial assistance programs available to low income residents.