Get helpful information on the basics of health insurance for Madison and Wisconsin residents.

Wisconsin Health Insurance Basics

What is health insurance?

How does it work?

How do the new health care reform laws affect me?


Answers to these Wisconsin health insurance basic questions can be found here. Health insurance is confusing and Unity wants to help make it easier. If you don't know the first thing about health insurance in Wisconsin or the Affordable Care Act (ACA), the answers to your questions may be in our articles.


You’ll find information on the basics of health insurance – health benefit explanations, health coverage options, types of plans and much more. We want you to have up-to-date information about health insurance to help you be more informed.


Want to learn more about health insurance? Unity is ready to help you. Check out our health insurance resource library. For questions and more information about Unity’s health plans, contact us today.



Understanding How Mandatory Health Insurance Affects You

Under the Affordable Care Act, health insurance is mandatory for everyone. Part of the law says that if you don’t have a health plan that provides minimum essential coverage, you may have to pay a penalty, or fee. Read more.




What are Your Healthcare Coverage Options?

Buying health insurance can be very confusing. Understanding your healthcare coverage options is key to making the right decision for your needs. Read more.




Having No Health Insurance in Wisconsin May Cost You

Most people (even those who are unemployed in Wisconsin) are required to have health insurance. It’s the law according to the Affordable Care Act (ACA). So, having no health insurance may cost you. Read more.




10 Essential Benefits of Qualified Health Care Insurance Plans in Wisconsin (WI)

All ​ACA-compliant health care insurance plans in Wisconsin offer the same set of “essential health benefits.” ​ACA-compliant plans are those that meet the requirements of the Affordable Care Act (ACA) and can be sold in the Health Insurance Marketplace. Read more.




Rules Qualified Wisconsin Health Insurance Companies Must Follow

The Affordable Care Act (ACA) has created some new rules for health insurance companies in Wisconsin. These new rules help provide consumers with more opportunities to obtain the coverage they need. Knowing these can help you make a more informed choice about your health insurance. Read more.




What Does Medical Insurance Typically Cover?

According to the Affordable Care Act (ACA), individual and small group medical insurance plans must include certain types of essential health benefits as well as a specific group of preventive care services available at no cost to the member. Read more.




Five Different Types of Private Health Insurance Coverage in Wisconsin

In Wisconsin, there are five different types of private health insurance coverage to choose from, including HMO, PPO, POS, EPO and supplemental coverage. Understanding the differences in these five types of health insurance can help you identify the right health coverage for your needs. Read more.




Four Big Changes for Medical and Health Insurance Plans in Wisconsin

Many people have heard about the Affordable Care Act (ACA), but it’s hard to know what effect it may have on an average person in Wisconsin. Read more.




What is Health Insurance Changing About Preventative Care Coverage in WI?

With a new health care focus on preventing future health issues, health insurance companies are providing more coverage for preventative care. What does this change in health insurance mean for families and individuals? Read more.




What You Should Know About Medical Insurance Quotes in WI

To find medical insurance quotes in Wisconsin, there are two approaches – you may go to the Health Insurance Marketplace (the federal website), or go directly to companies that sell health insurance in Wisconsin. Read more.




Hey, Millennials! Health Insurance Should be a Priority – and Here's Why

When the Affordable Care Act (ACA) was passed, health insurance rules and regulations got a little trickier. Suddenly, you might have to fit within the open enrollment window in order to sign-up for individual health insurance and for the first time, you may be penalized if you don't have health insurance of some kind. Read more.




Alternatives to Employer-Provided Health Insurance Policies in Wisconsin

Does your employer offer health insurance? Do the health insurance policies offered by your employer meet your needs? If the answer to either of these questions is “no,” you may want to get your own health insurance policy directly from an insurance company. In some cases, this insurance may even be subsidized. Read more.




Three Surprising Facts about Health Insurance Quotes

Finding health insurance quotes online just takes a few clicks, but the information those quotes offer may lead to major headaches down the road. Avoid unwelcome surprises by staying knowledgeable about your options. These facts may surprise you, and they might also save you thousands. Read more.




Fighting Obesity with Medical Insurance in Madison Wisconsin

Thanks to recent changes in insurance coverage, your health insurance could help turn the tables on obesity once and for all. Read more.




What is a Premium in Health Insurance?

A health insurance premium is the monthly payment made to the insurance company to maintain health insurance coverage. Read more.




How Forgoing Health Insurance Can Risk Your Financial Future

Thinking about just throwing your hands in the air, paying whatever penalty is going to be levied at the end of the year, and skipping health insurance altogether? It might be wise to think again. Read more.




Six Things to Look for in Medical Insurance Companies

Do you know what to look for in a new plan or company? Read more.




Frequently Asked Questions About Emergency Health Insurance Coverage in Wisconsin

Emergency care can be confusing, especially since the Affordable Care Act (ACA) changed how health insurance plans pay for emergency care. Here are some frequently asked questions and answers about emergency health insurance coverage in Wisconsin to help sort out the confusion. Read More.




The Benefits of Consumer Directed Health Plans In Wisconsin

Consumer directed health plans focus on planning for health spending. This may help minimize the tax impact and allows for careful tracking of health care spending. Read More.




What Happens If I Don't Have Health Insurance in WI?

If you get a notification from your insurance company that it’s time to renew your health insurance plan, it’s important to take the time to evaluate whether you have the right coverage. Read More.




Why Can’t We Sign Up For Health Insurance Any Time of the Year?

In the past, you could buy health insurance in Wisconsin any time you wanted. However, because of the Affordable Care Act, that is no longer the case. Read More.




Healthcare Plans & Birth Control Coverage

ACA-compliant healthcare plans in Wisconsin cover birth control if it’s prescribed by a health care provider. In addition, if it is a Food & Drug Administration (FDA) approved method, women may pay no co-pay or coinsurance, subject to certain conditions. Read More.




4 Myths About Low Deductible Health Insurance Plans in Wisconsin

If you’re looking for health insurance, the size of the deductible is critical. But getting a low deductible health insurance plan may not necessarily result in affordable coverage.  Here are 4 myths to be aware of when you’re looking for health insurance in Wisconsin. Read More.




What is ​Medical ​Insurance?

Not sure what medical insurance is? Medical insurance is also known as health insurance. It is designed to protect people from large medical bills should they become injured or sick and need extensive medical care. Read More.




To Renew or Not to Renew Your Current Health Insurance Plan

If you get a notification from your insurance company that it’s time to renew your health insurance plan, it’s important to take the time to evaluate whether you have the right coverage. Read More.




Getting Medical Coverage in Wisconsin with a Pre-Existing Condition

As a result of the Affordable Care Act (ACA), you may now get medical coverage in Wisconsin even if you have a pre-existing condition. The law also states that health insurance companies can’t charge you more because of a pre-existing condition. Read More.




List of Qualifying Events for Health Insurance Special Enrollment Periods

Since the Affordable Care Act came into effect, people can’t buy individual health insurance just any time of the year. View a list of qualifying events for health insurance that trigger Special Enrollment Periods.




What is a Special Enrollment Period for Health Insurance?

When the Affordable Care Act became law, it restricted when people can sign up for individual health insurance. Each year, for a period of about three months, people can sign up for individual health insurance. This is called Open Enrollment. Individuals can’t buy health insurance any other time during the year, unless you qualify for a Special Enrollment Period (SEP). Read more.




The Most Popular Health Coverage Plans in Wisconsin

Today, individual and family health coverage plans in WI are typically offered in five basic categories, from Catastrophic to Platinum. Read More.



Surprising Facts About Healthcare Insurance Companies in Wisconsin

Here are a few facts you may find surprising about health insurance companies in Wisconsin. Read More.



How has Technology Changed the Way We Get Health Insurance Coverage in Wisconsin?

Technology has already had an impact on how people access health insurance coverage and information in Wisconsin. Read More.



Nine Secrets to Communicating with Health Insurance Carriers

Few tasks are as daunting as having to talk to an insurance company. Here are a few tips to help. Read More.



How COBRA Can Prevent You From Having No Medical Insurance

If you’re losing your employer-sponsored health insurance, you might be tempted to just go without coverage. But it makes sense to have health insurance – and COBRA can be a good choice. Read More.



Where to Find a List of Health Insurance Companies in Wisconsin?

A good place to look for a list of health insurance companies in Wisconsin may be the website for the Wisconsin Office of the Commissioner of Insurance. Read More.