What are the best/ cheapest private health insurance providers in wisconsin?

Best / Cheapest are opposing goals. When you are paying the premiums you want the cheapest plan you can get. But if your health falters you want the finest coverage money can buy. As everything else in life you can’t have both simultaneousy.

Ultimately, you are the one who determines the affordability of your health insurance plan by deciding how much you will participate in sharing the cost of your health care with your insurance company.

If you choose a plan that covers everything i.e. doctors office visits, prescription drugs, preventative health benefits, optional dental and vision plans as well as low deductibles and low copays your monthly premiums will be significant.

On the other hand because you are young and healthy and presumably rarely use the health care system you could consider a plan that covers only the major health catastrophe which will result in a relatively low monthly premium. You then can use the monthly premium savings to pay for the occasional doctor visit and still come out ahead.

You need a trusted adviser to help you through the process of purchasing health insurance so that you understand what you are purchasing. That adviser can answer questions as to what is and is not covered by the policy, explain deductibles and copays and show you the hospitals and doctors that participate in the network. Check with the agent that writes your home or auto insurance he/she can provide you a health insurance proposal that takes into account your budget and health situation.

Some may suggest going on line to get a quote but you probably already know that there is much more to health insurance than price. Even worse, some will “pitch” a discount plan that is not even. Use the Internet to educate yourself but use an agent to purchase the coverage.