Learn more about what will happen if you don't have health insurance in Madison, WI.

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

In the past, people could avoid buying health insurance, gambling that they would stay healthy. It was a way to avoid paying premiums. Today, Wisconsinites may be required to pay a fine if they don’t have health insurance. The Affordable Care Act has spelled out the following fees for not having insurance in the next few years –

  • 2016 – Whichever is higher:
    • 2.5 percent of your yearly household income above the tax filing threshold
    • $695 per person ($347.50 for children under 18). The maximum penalty per family using this method is $2,085
  • 2017 and following years – the fine will remain at 2.5 percent of household income above the tax filing threshold, but the flat fee will be adjusted for inflation

What if paying the fee is cheaper than buying health insurance?

Not having health insurance is a big gamble. You’re betting that you won’t get sick or have an accident for an entire year.

For example, more than 2.5 million people go to the emergency room every year because of car crashes. On average, each ER visit costs $3,300 and after that, costs for hospitalization after a crash can cost about $57,000 over the person’s lifetime. More than 75 percent of those costs occur during the first 18 months after the crash injury.1


If you don’t have health insurance, you may not get preventive care.

Today, health insurance has to cover many types of preventive care at no out-of-pocket cost to you. The reason is that certain screenings can prevent big (and expensive) health problems for you later on. For example, diabetes screening is available at no cost. If you have diabetes and don’t know it, you can end up with some severe health problems that may include eye damage that can lead to blindness, kidney damage, heart attack and stroke. When you don't have health insurance, preventive care can get expensive and many people without coverage tend to put off their routine health care.

It's hard to predict what will happen if you don't have health insurance. We're here to help you consider all the factors and make the right decision for your unique situation. Give us a call at 800.362.3310 to talk to one of our customer service representatives today. Or, check out our Get a Quote tool. You may be surprised at how affordable health insurance can be.