BadgerCare Plus and Medicaid have special rules during the COVID-19 emergency. Learn how to keep your coverage after the public health emergency ends.
Finding affordable health insurance that works for you can be hard. We get it.
But no one should have to struggle to find the insurance that gets them the care they need when and where they need it.
The Wisconsin Office of the Commissioner of Insurance built WisCovered.com to help connect you to free expert help in your community and around the state. Below you will find options to call and talk to a real person who can walk you through the complicated maze of health insurance. If you’re more the DIY type, you can find options to apply online right now.
We’ve also got common questions and answers that may help you find coverage or get help paying for your health insurance.
Your health is important.
Depending on the time of the year or if you have certain life changes, you may be able to sign up!
All Wisconsinites can shop for health insurance from November 1 to January 15. This period is called Open Enrollment (learn more about Open Enrollment in the section below).
After January 15, you may still be able to sign up for health coverage with BadgerCare Plus (the State of Wisconsin’s health insurance program) or a Special Enrollment Period.
Special Enrollment Period on HealthCare.gov
BadgerCare may be able to back-date your application to cover medical care you already got during the last 90 days. If you need to back-date your application, work with an expert or your local IM agency (find your IM agency).
You may be able to save money on your health insurance. You may also be eligible for the State of Wisconsin’s health insurance program called BadgerCare Plus.
Yes! Check out some of your options below.
Yes. If you want to purchase a health insurance plan, you can buy one directly from an insurance agent.
Agents and brokers sometimes provide free, year-round help with Marketplace and other insurance like Medicare. They are contracted by insurance companies to help you. They should not charge you.
If you are not comfortable submitting your own application on HealthCare.gov, it’s safest to work with someone who is licensed and certified to submit Healthcare.gov applications:
If you lose your health insurance plan from work, you can sometimes keep that insurance for up to 18 months. This option is called COBRA. With COBRA, you usually pay the full cost of the plan.
Get free, expert help to see if COBRA or a plan on HealthCare.gov is the best option for you.
ObamaCare is a common name for health insurance available for purchase on the federal marketplace. You might have also heard it called HealthCare.gov.
You can apply for a plan on HealthCare.gov right now or you can get free expert help.
You might even be able to get help paying for some or all of the costs of your premium.
Health insurance is complicated. You don’t have to figure it out alone. Get help.
A health insurance expert is a person trained and registered with the state of Wisconsin. This includes:
Make sure you’re working with a licensed expert. Enter the experts name or license number at oci.wi.gov/Lookup.
Health insurance help should always be free.
ObamaCare is a common name for health insurance that you can buy on the federal Marketplace (HealthCare.gov). Open Enrollment is the time of year when you can sign up for a health insurance plan. Open Enrollment is from November 1 to January 15.
Getting sick or having an accident can be expensive. Every health insurance plan on HealthCare.gov covers: doctor visits, preventive care, hospital stays, prescription drugs, pregnancy and newborn care, children’s dental care, mental health services, and more. HealthCare.gov plans won’t deny claims or cancel your plan because of a pre-existing condition.
To find out if you can save or get low-cost health insurance:
Yes! Free, expert help is available to help you start or finish an application.
Yes. Every year plan prices and options change. It’s important to update your information.
Make sure you update your:
If your income goes down or you have a baby, you may qualify for additional financial help. If your income goes up, make sure to update it.
Be sure to check to see if your favorite doctors, hospitals, medications, and pharmacies are still available if you renew your plan – sometimes networks change from year to year.