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Health Insurance Broker Services in Wisconsin
Apollo Health Insurance works hard to find the best providers of reliable health insurance in Wisconsin. Our agents work with all the major carriers and focus on fully customizing plans to fit your needs.
With our outstanding team of insurance experts, we have created a comprehensive guide to help you find the best health insurance coverage for you and your family.
Quick Facts About Health Insurance in Wisconsin
Individual Health Insurance in Wisconsin
Health insurance is an important part of staying healthy and financially secure. It can help you pay for medical expenses, including doctor visits, hospital stays, and prescriptions. Individual health insurance plans provide individuals and families with the flexibility to choose a plan that best fits their specific needs, budget, and preferred network of healthcare providers.
If you are a resident of Wisconsin, there are a number of individual health insurance plans available for you.
Types of Individual Health Insurance Plans
Affordable Care Act (ACA)
The Affordable Care Act (ACA), also known as “Obamacare,” requires all health insurance plans to provide Minimum Essential Coverage. The ACA also offers subsidies to eligible families with a household income below 300% of the Federal Poverty Level. It is the current law governing health insurance in the United States.
Short Term Plans
Consider short-term health plans if you’re between jobs or in a new location. They provide temporary coverage for a few months (duration varies by state). While offering less comprehensive coverage than long-term plans, they act as a safety net for those without insurance or ineligible for special enrollment periods due to qualifying life events.
Health Sharing Plans
Health Sharing Plans, which are typically non-profit and often affiliated with religious organizations, provide healthcare benefits that differ from Minimum Essential Coverage (MEC) and may impose waiting periods for pre-existing conditions. It’s important to note that Health Sharing Plans are not legally classified as insurance.
Short-Term Health Insurance in Wisconsin
Who can buy short-term health insurance in Wisconsin?
Short-term health insurance in Wisconsin is available to residents who meet insurer guidelines, typically excluding those with pre-existing conditions. If you need coverage outside of the open enrollment period, consider a special enrollment period or ACA-compliant major medical plan.
When should I buy short-term health insurance in Wisconsin?
- You are eligible for Medicare soon and need coverage before your Medicare coverage takes effect.
- You are newly employed and waiting for your insurance.
- You missed open enrollment for ACA-compliant coverage and do not have a qualifying event that would trigger a special enrollment period for ACA-compliant healthcare coverage.
- You’re not eligible for Medicaid or premium subsidy for an ACA-compliant plan through the marketplace.
Benefits of Short-Term Health Insurance in Wisconsin
- Flexibility: Short-term plans provide flexibility in terms of coverage duration, allowing individuals to choose plans that suit their specific needs. They are ideal for those in transition, such as individuals between jobs, waiting for employer-sponsored coverage to begin.
- Quick Enrollment: Short-term plans have a simplified application process and often offer immediate or fast enrollment. This means you can secure coverage quickly without the waiting periods associated with other types of health insurance.
- Cost Savings: Short-term plans tend to have lower premiums compared to traditional health insurance options. This affordability. makes them attractive to those seeking temporary coverage or looking for more budget friendly alternatives.
- Customizable coverage: These plans typically offer a range of coverage options, allowing individuals to choose the benefits they need most. While they may not cover pre-exisiting conditions, they can provide coverage for medical emergencies.
- Access to Network: Many short-term plans have networks of healthcare providers allowing policyholders to receive medical care from a preferred list of doctors and hospitals. This network access ensures individuals can seek care from reputable providers.
How to Enroll in Wisconsin Health Insurance
To enroll in a health insurance plan in Wisconsin, contact us now. We will work with you to find the best plan for your budget and needs.
Health insurance in the United States is a complicated beast, and Wisconsin is no exception. Let one of the experts at Apollo Health Insurance guide you.
This is just a brief overview of health insurance in Wisconsin. For a more in-depth breakdown, read our article on individual health insurance.
When to Enroll in Wisconsin Health Insurance
Enrolling in health insurance in Wisconsin is only restricted for On-Exchange/ACA insurance plans. For these plans, most people can only enroll during the Open Enrollment period. Open Enrollment for the federal ACA Marketplace is from November 1, 2023 – December 15, 2023. To enroll outside of Open Enrollment, you will need a qualifying life event.
With some exceptions, there are no restrictions on enrolling in Off-Exchange plans. Generally speaking, plans that are not found on the federal Marketplace allow enrollment year-round.
Milwaukee, Wisconsin Health Insurance
As any resident of Milwaukee, Wisconsin can attest, health insurance is not a luxury but a necessity. With rising health care costs and a lack of affordable options through employers, many Milwaukee residents struggle to find health coverage that fits their needs and budget. Thankfully, there are options available through the Affordable Care Act, such as the health insurance marketplace where individuals can compare plans and apply for financial assistance. In addition, Milwaukee offers a variety of health clinics that provide low-cost or free services to those without health insurance. While navigating the health insurance landscape can be overwhelming, seeking out these resources can ensure that Milwaukee residents have access to the health care they need.
Individual Health Insurance
Insurance can be complicated. Between the dozens of providers, changing laws, different kinds of insurance, and so many options, it’s a challenge to navigate and find the right plan for your budget and needs.
That’s where an insurance broker can help. Apollo are the experts in health insurance and will fight for you. There’s no extra cost to you and you’ll have an insurance person to always turn to.
Group Health Insurance
Do you want to provide an affordable insurance option for your employees?
Or maybe your employees are already insured but the cost has increases. It may be time to shop for a better group plan. Having health insurance through an employer is an additional way to acquire and keep talent. Connect with Apollo to find the best group insurance plan for you and your employees.
Life Insurance
Let’s be honest, we often don’t think about the extremes of what could happen in life. Life insurance is the least purchased kind of insurance even though plans start at only a few dollars a month. If you want to make sure your family is taken care of, this simple insurance can have a huge effect in case of death.
Dental Insurance
A good smile can be worth a million dollars.
Everyone can benefit to good oral care and the cost of emergencies can be quite large. Luckily there are flexible dental insurance plans for everyone. Contact us to get a dental plan that works for your budget.
Vision Insurance
Our eyes are one of our most precious organs, and we only have two, so proactive protection and care is key to maintaining these vital organs! Particularly for children, they don’t yet know how beautiful the world is through perfect vision, it is our responsibility as parents and caretakers to be in-tune with the world through their eyes. On the flip side, as we age our eyes do as well, and thus the frequency for vision checks increases exponentially.
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