Wisconsin Health Insurance Leaders

Wisconsin Health Insurance Leaders
Halfway through the ACA (obamacare) open enrollment, the top Health Insurance companies in Wisconsin are turning out to be Molina Healthcare and United HealthOne. Where in the state you are located will obviously make the largest difference, with Molina's rates being very tough to beat around the Milwaukee area. Molina Healthcare was one of two Health Insurance providers whose rates had an overall decrease in premiums. United HealthOne came in with a very large network and are competitively priced in the middle to west parts of state. The most popular plan by far for both companies has been the silver, $2000 deductible plan, a nice middle of the road plan that combines lower out of pocket costs with a decent premium (by todays standards).

Some of the other Health Insurance Companies in Wisconsin have had such rate high rate increases that they have priced themselves out of the game. Common Ground Healthcare Co-op was new to the scene last year and had some serious growing pains. They have been very good about working with members and agents to correct them, but I am afraid that there was some damage done in relationships that will take some time to heal. Common Ground also had some large rate increases, that I hope are not a sign of things to come. Other companies are blessed by their monopoly on the the area, there are several counties that have only one or two choices if you are going to get a subsidy. Dean Health is a top provider in and around Madison, they have expanded their network and the premiums are in line with other companies in the area. Another not on Dean, I don't think I have ever had a customer complaint from them and that is saying something. Earlier I said that there were two companies that had rate reductions, the first being Molina and the second is Medica. Medica has some good plans and very good rates, the down side is that they are only available in the northern part of the state.

This is not a complete list of the Health Insurance companies in Wisconsin, just a small update on some of the plans and companies. The major part of the pricing is the "Tax Credit" or "Subsidy" and if you don't qualify for it the pricing of Health Insurance can be a very large burden that is stinging the true middle class.

I have been asked several times about what I think will happen with Obamacare, and the truth is I don't know. The political scene is going to change drastically over the next couple of years, and I am sure sweeping changes will be made, but as a whole I can't see it going away.

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