Wisconsin · 2026 plan year
Medicare Advantage HMO plans in Wisconsin
There are 68 Medicare Advantage HMO plans in Wisconsin from 12 carriers, averaging 3.77 out of 5 stars across the 64 plans CMS has rated. Nearly all charge no monthly plan premium, so what separates them is network, drug coverage and how much you could owe in a bad year.
68
HMO plans
12
Carriers
72
Counties covered
3.8
Avg stars (64 of 68 rated)
$6,713
Avg out-of-pocket max
A $0 plan premium is not a free plan. You still pay your Part B premium to Medicare, plus copays and coinsurance as you use care. Star ratings are published by CMS per contract, so every plan a carrier files under the same contract shares one rating — it describes the carrier’s performance, not this specific plan’s benefits. Estimate your real costs.
Wisconsin HMO plans rank 25th of 49 on star rating.
Across the 64 rated plans here the average overall rating is 3.77 stars, 25th highest of the 49 states with HMO plans. Ratings apply to the contract, so every plan a carrier files under one contract shares the same score.
Not sure whether Medicare Advantage suits you at all? Medicare Advantage vs Original Medicare covers the trade in plain language.
Highest rated
Top-rated HMO plans in Wisconsin
| Plan | Stars | Out-of-pocket max | Premium / mo |
|---|---|---|---|
| Spirit (HMO-POS)Security Health Plan of Wisconsin, Inc. | 4.5★ | $1,500 | $89 |
| Legacy Rx (HMO-POS)Security Health Plan of Wisconsin, Inc. | 4.5★ | $2,200 | $205 |
| Compass (HMO-POS)Security Health Plan of Wisconsin, Inc. | 4.5★ | $3,400 | $0 |
| Essence Rx (HMO-POS)Security Health Plan of Wisconsin, Inc. | 4.5★ | $3,800 | $57.90 |
| Esteem Rx (HMO-POS)Security Health Plan of Wisconsin, Inc. | 4.5★ | $5,000 | $0 |
Showing 5 of 68. See all WisconsinMedicare Advantage plans →
Who sells here
HMO plans by carrier
| Carrier | Plans | Avg stars | SNPs |
|---|---|---|---|
| UnitedHealthcareUnitedHealth Group, Inc. | 20 | 4.0 | 7 |
| Dean AdvantageMedica Holding Company | 11 | 3.5 | — |
| Anthem Blue Cross and Blue ShieldElevance Health, Inc. | 10 | 3.5 | 2 |
| Quartz Medicare Advantage (HMO)University of Wisconsin Hospitals and Clincs Autho | 8 | 4.0 | 2 |
| Security Health Plan of Wisconsin, Inc.Marshfield Clinic Health System, Inc. | 6 | 4.5 | 1 |
| My Choice WisconsinMolina Healthcare, Inc. | 4 | 3.0 | 4 |
| Wellcare by AllwellCentene Corporation | 3 | 3.5 | 2 |
| Group Health Cooperative of Eau Claire | 2 | — | 1 |
| Aetna MedicareCVS Health Corporation | 1 | — | — |
| Community CareCommunity Care, Inc. | 1 | — | 1 |
| HumanaHumana Inc. | 1 | 3.5 | — |
| iCareHumana Inc. | 1 | 2.5 | 1 |
Other plan types in Wisconsin
How HMO compares
Nearby on quality
States with similar HMO star ratings
Common questions
Wisconsin Medicare Advantage HMO plans, answered
How much do Medicare Advantage HMO plans cost in Wisconsin?
Of the Wisconsin HMO plans with a published premium, 81% charge $0 a month. A $0 premium does not mean the plan is free: you still pay your Part B premium to Medicare, plus copays and coinsurance as you use care. The number that actually caps a bad year is the in-network out-of-pocket maximum, which averages $6,713 across these plans.
What are the star ratings for Wisconsin HMO plans?
The 64 rated HMO plans in Wisconsin average 3.77 out of 5 stars, with 34 rating 4 or better. CMS rates a contract rather than an individual plan, so every plan a carrier files under the same contract shares one score. A contract that is too new or has too little data is not rated at all, which is different from rating badly.
How many Medicare Advantage HMO plans are available in Wisconsin?
There are 68 HMO plans from 12 carriers, sold across 72 counties. Availability is set by county, so the plans you can actually join depend on where you live — the full list is rarely available in any one place. 21 of them are Special Needs Plans with extra eligibility rules (see below).
Do Wisconsin HMO plans include prescription drug coverage?
68 of the 68 HMO plans here bundle Part D drug coverage into the plan. That is the usual arrangement for Medicare Advantage and there is no separate drug premium for it — the plan premium covers both. If you join a Medicare Advantage plan without drug coverage, you generally cannot add a standalone Part D plan alongside it.
What is a Special Needs Plan, and are there any in Wisconsin?
21 of the 68 HMO plans in Wisconsin are Special Needs Plans. SNPs limit enrollment to people who also have Medicaid, live in a nursing home or similar institution, or have a qualifying chronic condition. They often carry richer benefits for that group, but if you do not meet the criteria you cannot join one — so the real number of plans open to you may be lower than the total.
A $0 premium is not the whole cost.
See what a year really looks like.
Simplivera models your actual annual costs across Wisconsin Medicare Advantage plans.
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