Wisconsin Individual Health Insurance

Health insurance is important for the physical well-being of your family. If you don't get group health insurance through your employer, then you should look into purchasing Wisconsin individual health insurance from a private insurer. Finding out more about the rules and regulations regarding these individual health insurance plans is the most important step when determining if this opportunity is right for you.

Eligibility: How Am I Evaluated?

Wisconsin individual health insurance applications are reviewed based on factors determined by the insurer. There are no laws that regulate how an application should be reviewed. Additionally, an applicant can be denied coverage for any reason, as there are no regulations regarding who should or should not be granted coverage.
In accordance with HIPPA Group-to-Individual Portability Coverage regulations, Wisconsin guarantees issuance of health insurance via Wisconsin Health Insurance Risk Sharing Plan (HIRSP), the state's high-risk health insurance pool, to HIPPA eligible consumers who have been unable to obtain a policy from a private provider.

Wisconsin Guaranteed Benefits & Pre-Existing Conditions

The state of Wisconsin does require insurers to carry standardized policies; however, they may carry additional policies to choose from as well. Standardized policies must cover things such as screening for breast, and cervical cancer, care for pregnant women, vaccinations for children and diabetes care.

The laws in Wisconsin allow individual health insurance providers to apply an exclusionary period of 24-months for pre-existing conditions. Insurers can look back up to any amount of period prior to your health insurance application to determine what, if any, pre-existing conditions you may have. HIPPA customers cannot have exclusionary periods imposed on their policy and elimination riders (which exclude a condition from a policy for an indefinite amount of time) are not allowed on policies sold in the state.

Wisconsin state mandates health insurance companies to provide equal health coverage maximums and limits for mental and physical conditions.

Wisconsin Individual Health Insurance Premiums

Premiums in Wisconsin can vary based on your age, gender, health, claims experience, or policy length. How much you pay will also depend on how many people are applying under your policy, where you reside, and which plan you are applying for. There are no laws that regulate how much you can be charged for an individual health insurance policy. Wisconsin individual health insurance plans are guaranteed renewable, so your insurer cannot cancel your policy because you got sick. They also cannot raise your premiums to offset these costs or new risk factors.

Having a suitable health insurance policy can protect your financial future and secure the wellness of your family. Get in touch with a qualified broker/agent near you to avail the benefits of health insurance alternatives.

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