How to buy your plan
Marketplace purchase
These plans are best for individuals and families who are:
- Eligible for discounts or financial subsidies
- Currently uninsured or newly eligible for coverage
- Need help paying for health insurance
Direct purchase
Consider these plans if you:
- Don’t qualify for reduced or cost-sharing premiums because of your income
- Want more plan options and additional benefits
- Prefer a quick, hassle-free way to buy
Plan options
We have a variety of health insurance plans to fit your lifestyle and budget. Whether you’re looking for lower premiums, limited out-of-pocket expenses, or just a catastrophic safety net plan, we’re here for you.
Plan details
Plan book
Plan book (En Español) (PDF)
Marketplace
Plan options (PDF)
Plan options (En Español) (PDF)
Direct
Plan options (PDF)
Plan options (En Español) (PDF)
PDF/paper application (PDF)
Resources
For costs and coverage details, explore these resources:
Summary of Benefits and Coverage (SBC) documentsPremium payments
ACA Rate Increase Information
These plans are ideal if you don’t like surprise bills. They feature:
- Low copays for office visits and many prescription drugs
- Affordable deductible and coinsurance options
- An easy way to build a relationship with your provider
Consider these plans if you’re looking for an innovative way to receive care. They offer a lower office visit copay when you select a Tier 1 primary care provider. Explore these plans.
If you keep yourself healthy with regular visits to your PCP, these plans might be ideal for you. They offer:
- Lower premiums
- Affordable primary care and generic drug copays to cover your health concerns and maintenance
- Affordable deductible and coinsurance options
- An easy way to maintain or build your relationship with your provider
- Lower monthly premium savings
You may want this type of plan if you’re a saver and prefer to cover your medical bills with an HSA. You can also combine a high-deductible health plan (HDHP) with an HSA for even more financial freedom and flexibility.
These plans may work well for you if you’re:
- Under 30 years of age
- Meet income guidelines
- Are comfortable with your health status
Our Safety Net Plan offers a high deductible and three office visits at no cost to you. Remember that government price breaks are not available with the Safety Net Plan.
Make shopping easy and get all the important services you need. Our standard plans are offered at every network type, metal tier, and in every service area where we offer coverage.
Learn more about our plans
Our plans not only offer 10 essential health benefits, but also include $0 preventive services and additional benefits to put your health and wellness first.
Free transportation
Need a ride to see your provider? Our transportation partner can help you get to and from the care you need.
$0 e-visits
Receive a virtual diagnosis, treatment plan, and prescriptions for certain common conditions from the comfort of home.
Diabetic insulin benefit
You can get preferred diabetic supplies at $0 and a $35 maximum member cost-share on preferred insulin.
Access to care
Health emergencies don’t happen between 9 and 5. Our plans offer urgent care visits at the same cost as a visit to your regular doctor for when you need care the most.
Metal tiers
All individual and family plans are divided into metal categories. These categories show how you share costs with your plan. No matter which category your plan falls in, the quality of care does not change.
Bronze plans
Bronze plans are best if you don’t typically need to see your doctor or use your prescription coverage very often. The monthly premium payment will be lower, but when you do need care, your out-of-pocket costs will be higher.
Silver plans
Silver plans more evenly balance your out-of-pocket costs and monthly premiums. These plans are a good fit if you might use your health care for more than just preventive care.
Gold plans
Gold plans are ideal and cost-efficient if you expect to go to your provider or pharmacy frequently. These plans have a higher monthly premium payment, but your out-of-pocket costs will be lower.
Network options
We offer network options based on your location, selected level of coverage, and care needs. You can easily find an excellent provider in our network. Contact us or your agent if you need help selecting the network that’s right for you.
Copay Elite network
The Copay Elite Network is a good choice if you:
- Live in Dodge, Iowa, Green Lake, or Jefferson counties
- Want an innovative way to receive care
- Want lower office copays when you select a primary care location for a Tier 1 copay benefit
Focus Network
The Focus Network is a good choice if you:
- Live in Dane, Green, Rock, or Sauk counties and receive medical services in those areas (Dodge and Fond du Lac counties offer Focus networks for employer groups only)
- Want a lower-cost option with the freedom to see doctors in your community
HMO Network
The HMO Network is a good choice if you:
- Want a full breadth of coverage in 20 Wisconsin counties
- Want access to more than 2,300 providers for routine and specialty care
- Want to see in-network providers in Adams, Columbia, Crawford, Dane, Dodge, Fond Du Lac, Grant, Green, Green Lake, Iowa, Jefferson, Juneau, Lafayette, Marquette, Richland, Rock, Sauk, Vernon, Walworth, and Waukesha counties.
Questions?
If you’d like to learn more about how our individual and family health plans work, check out our health plan 101.