New Wisconsin Health Coverage Option Report

Report documents consumer choices and competition on new health insurance marketplace for every region of Wisconsin.

by Kevin Kane, Healthcare Organizer for Citizen Action of Wisconsin

Statewide: On a media call Thursday August 22nd, Citizen Action of Wisconsin released “The Wisconsin Health Coverage Option Report” (audio here). The full report tracks the number of insurance companies competing for consumers’ business in all 72 counties. The report reveals the number of health insurance choices for consumers in each Wisconsin county in the new marketplace created by the Affordable Care Act. Enrollment begins October 1. The full report can be downloaded here.

The Wisconsin Office of the Insurance Commissioner released a list of insurance providers that will participate in the new marketplace earlier this month, but did not release information on the geographic reach of each plan. This report fills this gap, making it possible to evaluate the amount of choice consumers will have in every region of Wisconsin.

This report finds a wide selection of insurers available for the vast majority of the Wisconsin public, which has positive ramifications for cost, access and availability. 100% of Wisconsin citizens will have access to at least 2 insurance companies to choose from on the competitive health marketplace, and multiple plan options. 98.9% of Wisconsin citizens will have 3 or more insurance companies to choose from, and 68.6% of Wisconsin citizens will have 4 or more insurer choices available.

Additionally, the amount of plans to choose from will be wide. Every Wisconsin citizen will have a minimum of 4 options on the competitive health marketplace, 98.9% having at least 6 options available. These options are characterised as “Silver” or “Gold” plans, and do not even include “Bronze” plans, “Platinum” plans, Catastrophic plans or multiple plans from an insurer of the same precious metal. Meaning additional plans are highly likely.

“The array of options for the vast majority of Wisconsin citizens is good news for those concerned about quality affordable healthcare for all,” said Kevin Kane, Healthcare Organizer and report author. “The results show we as a democracy can step in and fix a broken insurance market. We can provide greater opportunity, freedom and choice to our citizens; as well as offer protections to consumers from the threat of pre-existing condition discrimination and other insurance abuses.”

Key Findings

  • 100% of all Wisconsin citizens will have at least 2 insurance company options available to them on the individual health marketplace, as determined by county breakdown of insurance company service area.

  • 98.9% of all Wisconsin citizens will have 3 or more insurance company options available to them on the individual health marketplace to choose from.

  • 68.6% of all Wisconsin citizens will have 4 or more insurance company options available to them on the individual health marketplace to choose from.

  • This level of market competition is achieved even without United Healthcare and Humana, both companies who declined to participate in the new marketplace in 2014 but have both announced intention to join in 2015. If these companies join the marketplace, the new results would be 99.6% of Wisconsin residents having 3 or more options, 94.2% of Wisconsin residents having 4 or more options.

  • Options in front of consumers are numerous. 98.9% of Wisconsin consumers will have at minimum 6 insurance plans to choose from.

  • Of the major metro areas of Wisconsin, Madison and Fond du Lac have the most insurers competing on the health marketplace (6 insurers), followed by Manitowoc, Janesville, Appleton and Green Bay tied with 5 insurers. Tied for least insurers competing on the marketplace are the metro regions of Superior, La Crosse, Milwaukee and Rhinelander with 3 insurers.

WI Metro Areas Ranked By Number Of Insurers

Madison6 insurersMinimum 12 options on Marketplace
Fond du Lac6 insurersMinimum 12 options on Marketplace
Janesville5 insurersMinimum 10 options on Marketplace
Appleton5 insurersMinimum 10 options on Marketplace
Manitowoc5 insurersMinimum 10 options on Marketplace
Green Bay5 insurersMinimum 10 options on Marketplace
Waukesha4 insurersMinimum 8 options on Marketplace
Racine4 insurersMinimum 8 options on Marketplace
Kenosha4 insurersMinimum 8 options on Marketplace
Sheboygan4 insurersMinimum 8 options on Marketplace
Eau Claire4 insurersMinimum 8 options on Marketplace
Wausau4 insurersMinimum 8 options on Marketplace
Superior3 insurersMinimum 6 options on Marketplace
Milwaukee3 insurersMinimum 6 options on Marketplace
La Crosse3 insurersMinimum 6 options on Marketplace
Rhinelander3 insurersMinimum 6 options on Marketplace

Starting on October 1st the federal government will launch a new competitive health insurance marketplace for the individual and small group markets under the terms of the Affordable Care Act. The report finds that every Wisconsin citizen will be able to choose from multiple options on this marketplace, and the vast majority of citizens will have a wide range of insurance options to choose from.

Bob DeVita, the CEO of Common Ground Healthcare Cooperative, one of the new options on the health marketplace, also joined the call. “ The need for an informed public to make critical health care and insurance decisions in the new market can be helped by information developed through public and private organizations such as the State agency, the Office of the Insurance Commissioner and the private organization, Citizen Action for Wisconsin. Many Wisconsin citizens will benefit from this type of information as they decide their next steps in the health insurance marketplace.”

Additional data is available in the full report , which can be downloaded here
Audio recording of the media call can be found here

Back to top
Back to Front Page

Last edited by Tyler Schuster.   Page last modified on August 22, 2013

Legal Information |  Designed and built by Emergency Digital. | Hosted by Steadfast Networks