Compare affordable ACA and private health insurance plans in Wisconsin for 2026. Top carriers, metro pricing, and a Wisconsin-licensed agent — free.
We are not a Wisconsin state agency, not HealthCare.gov, and not affiliated with any government marketplace. Health Enrollment Center is operated by Sprinter Insurance Agency LLC.
Wisconsin uses the federal marketplace at HealthCare.gov and takes an unusual middle path on Medicaid: it didn't adopt ACA expansion, but its BadgerCare Plus program covers adults up to 100% of the poverty line. The result is that Wisconsin, unlike other non-expansion states, has no coverage gap — residents below 100% FPL get BadgerCare, and marketplace subsidies begin right at that line.
Wisconsin also has one of the most competitive individual markets in the country, with 12 insurers for 2026 — including Anthem, Aspirus, CareSource (Common Ground), Dean Health Plan, Group Health Cooperative, HealthPartners, Medica, and MercyCare. That competition is regional: Milwaukee is Advocate Aurora, Froedtert and Ascension, while Madison is UW Health, SSM Health and Group Health Cooperative.
We're licensed in Wisconsin and quote its carriers directly. Below is how coverage works here — including why there's no coverage gap — plus the metros and situations we help with most.
Wisconsin uses the federal marketplace, HealthCare.gov, for individual ACA enrollment.
Wisconsin did not adopt ACA Medicaid expansion, but its BadgerCare Plus program covers adults up to 100% of the poverty line — so unlike other non-expansion states it has no coverage gap, and marketplace subsidies begin right at 100% FPL.
These companies offer individual and family health plans in Wisconsin. We're an independent agency, not an insurance company, and we don't offer every plan available here. Tell us which doctors and hospitals matter to you and we'll show you what we can quote.
Bronze, Silver, Gold and Platinum plans that cover all ten essential health benefits — with premium tax credits for about 4 in 5 enrollees.
Explore →Bridge coverage that can start as soon as tomorrow — for the gap between jobs, plans, or enrollment periods.
Explore →Just got a COBRA letter? Losing job-based coverage opens a 60-day Special Enrollment Period — and because COBRA carries no employer contribution and no premium tax credit, the alternative is often much cheaper.
Explore →Freelancers, contractors, gig workers and small-business owners — coverage that isn't tied to an employer, and may be tax-deductible.
Explore →Plans that scale with your household — pediatric dental and vision included, with networks that keep your kids' doctors in-network.
Explore →Retired before 65? Bridge the gap to 65 without paying retiree-plan or COBRA prices.
Explore →Don't see yours? Call a licensed agent — most answers take under two minutes.
Twelve insurers participate for 2026, one of the most competitive markets in the country. Many are tied to specific hospital systems, so the plan you choose can determine where you're treated — we compare across all of them for your county.
No. Wisconsin uses the federal marketplace at HealthCare.gov. A licensed Wisconsin agent can enroll you in those same plans at no extra cost and also show you private off-marketplace options HealthCare.gov doesn't list.
No. We're a licensed insurance agency paid by the carriers, not by you. The premium of any plan is identical whether you enroll through us or directly with the insurer — you just also get an agent who handles renewals and claims questions.
No. Health Enrollment Center is a brand operated by Sprinter Insurance Agency LLC, a private licensed insurance agency. We are not HealthCare.gov, not a state exchange, and not affiliated with any government agency. We help you enroll in marketplace plans when they're the best fit, and we also show private plans the marketplace doesn't carry.
Start with your ZIP. Two quick questions, then a licensed agent brings you the plans you actually qualify for — no cost, no obligation.