Health Insurance Marketplace Wisconsin

Welcome to Wisconsin’s Health Insurance Marketplace, your one-stop-shop for affordable health insurance coverage. If you’re a resident of Wisconsin and in need of health insurance, you’re in the right place. Since the implementation of the Affordable Care Act, more than 170,000 Wisconsinites have found affordable health insurance coverage through our Marketplace.

What is the Health Insurance Marketplace?

The Health Insurance Marketplace is a website that provides a range of health insurance options for individuals and families. It was created under the Affordable Care Act, also known as Obamacare, to offer a simplified way to purchase health insurance. In Wisconsin, the Marketplace is run by the federal government.

If you’re uninsured or looking for an alternative to your current plan, the Marketplace offers a variety of health insurance options at competitive prices. You can compare plans, review their benefits and costs, and choose the one that best suits your needs and budget.

How to Access the Health Insurance Marketplace Wisconsin

You can access the Marketplace in several ways:

• Visit the Health Insurance Marketplace Wisconsin website at healthcare.gov
• Call the Marketplace toll-free at 1-800-318-2596
• Visit a local enrollment center for in-person assistance

If you need assistance navigating the Marketplace or selecting a health insurance plan, free help is available. Trained professionals, called navigators, are available to help you understand your options and enroll in a plan. They can assist you with everything from creating an account to submitting an application.

Health Insurance Plans Available in Wisconsin

The Marketplace offers a variety of health insurance plans to meet your needs and budget. In Wisconsin, there are four categories of plans available:

1. Bronze Plans – these plans have the lowest monthly premiums but the highest out-of-pocket costs.
2. Silver Plans – these plans have moderate monthly premiums and out-of-pocket costs.
3. Gold Plans – these plans have higher monthly premiums but lower out-of-pocket costs.
4. Platinum Plans – these plans have the highest monthly premiums but the lowest out-of-pocket costs.

Regardless of the plan you choose, each one will cover the essential health benefits required under the Affordable Care Act. These benefits include:

• Ambulatory patient services (outpatient care)
• Emergency services
• Hospitalization
• Mental health and substance use disorder services, including behavioral health treatment
• Prescription drugs
• Rehabilitative and habilitative services and devices
• Laboratory services
• Preventive and wellness services and chronic disease management
• Pediatric services, including oral and vision care

Costs of Health Insurance Plans

The costs of health insurance plans vary depending on several factors, including:

• Your age
• Your location
• Your income
• The level of coverage you choose

However, there are subsidies available to help make health insurance affordable for those who qualify. If your income is between 100% and 400% of the federal poverty level, you may be eligible for a subsidy to help pay for your health insurance premiums.

FAQ

Do I have to buy health insurance through the Marketplace?

No, you do not have to buy health insurance through the Marketplace. However, if you want to take advantage of the subsidies available to help pay for your health insurance premiums, you must purchase your insurance through the Marketplace.

When can I enroll in a health insurance plan?

The Open Enrollment Period for health insurance plans is between November 1 and December 15 of each year. However, if you experience a qualifying life event, such as losing your job or getting married, you may be eligible for a Special Enrollment Period.

What if I can’t afford health insurance?

If you can’t afford health insurance, you may be eligible for Medicaid or the Children’s Health Insurance Program (CHIP). These programs provide free or low-cost health insurance to those who qualify.

Is there a penalty for not having health insurance?

Starting in 2019, there is no longer a penalty for not having health insurance. However, it’s still important to have health insurance to protect yourself and your family from unexpected medical expenses.

How do I know if I qualify for a subsidy?

You can use the subsidy calculator on the Marketplace website to determine if you qualify for a subsidy. You’ll need to provide information about your income and family size.

What if I have a pre-existing condition?

Under the Affordable Care Act, insurance companies are not allowed to deny coverage or charge higher premiums based on pre-existing conditions.

In Conclusion

The Health Insurance Marketplace Wisconsin provides a range of affordable health insurance options for those in need. If you’re uninsured or looking for an alternative to your current plan, the Marketplace offers a variety of health insurance plans at competitive prices. With subsidies available to help make health insurance affordable, it’s important to explore your options and find the plan that best meets your needs and budget.