Medicare Supplement (Medigap) in Wisconsin: A Clear 2027 Guide
Medigap sits on top of Original Medicare and absorbs the deductibles and coinsurance it leaves behind. Because the plans are federally standardized, the letter matters more than the brand. Here's how they work in Wisconsin for 2027.
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Wisconsin does not use the federal Medigap letters A through N: in 2027, its Medicare Supplement (Medigap) plans follow the state's own standardized design.
For 2026, the Medicare.gov Medigap policy search listed 23 insurers selling Medigap policies in Wisconsin, with plan types such as Basic, High Deductible, 25% Cost-Sharing and 50% Cost-Sharing.
In Wisconsin in 2026, an estimated 18% of people with Medicare had a Medigap policy, while 58% were in Medicare Advantage.
| Fact | Figure | Source |
|---|---|---|
| Insurers selling Medigap in Wisconsin, 2026 | 23 | Medicare.gov Medigap policy search (2026) |
| Medigap plan design | Wisconsin's own standardized plans (not letters A to N) | Federal Medigap standardization rules (CMS, medicare.gov) |
| Share of Wisconsin Medicare members in Medicare Advantage, 2026 | 58% | CMS State/County MA Penetration (2026) |
| Estimated share of Wisconsin Medicare members with Medigap, 2026 | 18% | Derived estimate (medicare_state_data.json) |
| Standard Part B premium, 2026 | $202.90 a month | CMS 2026 Part B announcement |
Medicare Supplement (Medigap) chart
Medigap plans in Wisconsin are different (2027)
Wisconsin is one of three states (with Massachusetts and Minnesota) that do not use the federal Medigap letters A through N. Wisconsin standardizes its own Medigap plans (the Basic Plan with optional riders, plus 50% and 25% cost-sharing plans and a high-deductible plan) instead of the federal A-N letters; compare policies by those names.
For ZIP code 53202, the Medicare.gov Medigap policy search listed these Wisconsin plan types for 2026: Basic, High Deductible, 25% Cost-Sharing, 50% Cost-Sharing.
The federal Medigap comparison chart used in the other 47 states and DC does not apply in Wisconsin. For the benefits of each Wisconsin plan, see the Wisconsin insurance department’s Medigap guide or the Medigap policy search on Medicare.gov, or call 1-800-MEDICARE.
Source: Federal Medigap standardization rules (CMS, medicare.gov); Medicare.gov Medigap policy search (2026).
Good to know
Medigap in Wisconsin: questions (2027)
How many insurers sell Medigap plans in Wisconsin?
Why are Medigap plans different in Wisconsin?
When can I buy a Medigap policy in Wisconsin?
What is the difference between Medicare Advantage and Medicare Supplement in Wisconsin?
How do I compare Medicare Supplement options in Wisconsin?
Medicare coverage isn't uniform across Wisconsin. Plans are approved county by county, so what's on offer can shift from one neighboring area to the next — the reason we break the state down by city below.
About 58% across Wisconsin have chosen Medicare Advantage over Original Medicare, though that share swings a lot depending on where you live.
You'll find the carriers operating in Wisconsin, how the parts of Medicare relate, the 2027 figures everyone shares, when you can enroll, where to get unbiased help, and a guide for every city. Educational only, with no rankings.
What Medigap does — and doesn't — cover
Think of Medigap as the layer that sits on top of Original Medicare to absorb the costs it leaves you: the deductibles, the 20% coinsurance, the copays that otherwise have no annual ceiling.
The catch that trips people up is that these plans are federally standardized — a Plan G from one insurer covers exactly what a Plan G from another does. So the letter defines the benefits, and price and service are what separate companies. Medigap doesn't include drug coverage, so most people in Wisconsin pair it with a stand-alone Part D plan.
Below we break down what each standardized plan covers and the enrollment rights that matter most in Wisconsin. It's a framework, not a ranking — and we don't quote premiums.
Who sells Medigap here
Medigap insurers in Wisconsin
Insurers offering Medigap policies in Wisconsin, listed alphabetically. Prices vary by insurer for the same letter and are not shown here.
- AARP - UnitedHealthcare Insurance Company
- Aetna Health Insurance Company
- AFLAC
- American Benefit Life Insurance Company
- Anthem Blue Cross and Blue Shield - Wisconsin
- Bankers Life (Underwritten by Washington National Insurance Company)
- Erie Family Life Insurance Company
- GPM Health and Life Insurance Company
- Guarantee Trust Life Insurance Company
- HealthSpring National Health Insurance Company
- Humana (Humana Insurance Company)
- Humana Achieve (Emphesys Insurance Company)
- Insurance Company of North America
- Lumos Insurance
- Medico Insurance Company
- Mutual of Omaha (Omaha Insurance Company)
- Pekin Life Insurance Company
- Philadelphia American Life Insurance Company
- Physicians Select Insurance Company
- Security Health Plan of Wisconsin, Inc.
- State Farm Mutual Automobile Insurance Company
- United American Insurance Company
- Wisconsin Physicians Service Insurance Corporation
Source: Medicare.gov Medigap policy search. No insurer is ranked or recommended.
By the numbers
How people get Medicare in Wisconsin
(MA penetration in Wisconsin)
MA penetration from CMS enrollment data; Medigap share is an estimate. U.S. average is about 54% Medicare Advantage. These are area-level figures, not plan-specific.
The 2027 numbers, from shared to plan-specific
Start with what's fixed for everyone. The standard Part B premium is $202.90 per month in 2026 (2026 amount; 2027 figure will be posted when CMS releases it), and Part A is premium-free for most people who paid Medicare taxes long enough while working.
On the drug side, Part D has real guardrails for 2027: a deductible capped at $700 and, a hard $2,400 ceiling on your out-of-pocket costs for covered prescriptions — the old coverage gap is gone.
Higher earners pay more for Parts B and D through an income-related adjustment called IRMAA, which for 2026 starts above $109,000 in annual income for an individual and is based on your 2024 tax return. Most people fall below that line and pay the standard amounts. The 2027 brackets will be posted when CMS releases them.
Everything past that is plan-specific: the premiums, copays, and coverage details of an individual Advantage or Medigap plan change from plan to plan and year to year. Rather than quote or rank those, we point you to Medicare's Plan Finder and a licensed agent for your exact numbers.
By the numbers
Medicare Part B premium, 2006–2026
The standard monthly Part B premium has climbed from $88.50 in 2006 to $202.90 in 2026. Hover any point for that year’s premium.
Source: CMS. Standard premium shown; in some hold-harmless years many existing enrollees paid less. Confirm at Medicare.gov.
When you can enroll or make changes
Medicare's enrollment windows are federal — the same nationwide — so the timing below applies wherever you live.
Your first window (IEP). When you're new to Medicare, your Initial Enrollment Period is the 7-month window around your 65th birthday month. Signing up on time helps you avoid late penalties that can follow you for years.
Annual Enrollment Period (AEP, also called Open Enrollment). Each fall, from October 15 – December 7, anyone with Medicare can join, switch, or drop a Medicare Advantage or Part D plan. Changes take effect January 1.
Medicare Advantage Open Enrollment. From January 1 – March 31, if you're already in an Advantage plan you get one chance to switch plans or return to Original Medicare.
Special Enrollment Periods can also open after certain life events, like moving or losing other coverage. The interactive calendar further down lays the year out visually.
Explore
When can you enroll? An interactive year
Enrollment windows are federal and the same nationwide. Confirm your personal dates at Medicare.gov or 1-800-MEDICARE.
Where to get free, unbiased help near Wisconsin
Good Medicare help exists and it's free — you don't have to figure this out solo or pay for guidance.
For official specifics and the Plan Finder tool, go straight to Medicare.gov or 1-800-MEDICARE (TTY 1-877-486-2048). And a licensed agent can compare options and handle the paperwork with you.
One note on who we are: MyMedicarePlans.org is an independent, privately owned educational resource — not Medicare, not a government agency, and not affiliated with one. Our job is to help you get oriented, then hand you off to the official sources and licensed professionals for plan decisions.
Latest Medicare Supplement news from Wisconsin
- Medigap in Wisconsin: 23 Insurers and Their Plans
- How to compare Wisconsin's Medigap plans across insurers in Madison
- Medigap in Madison: why Wisconsin's plans don't use the A-through-N letters
- Madison Medigap in 2027: how Wisconsin's own plan rules and rate filings work
- Medigap in Sun Prairie: the one enrollment window insurers cannot turn down
- Reading the Medigap chart in Milwaukee: what Plans G, N, K, L and high-deductible G actually do
- Madison Medicare: why Medigap skips the pharmacy, and how Part D fills the gap
- Three Ways Medigap Is Priced — And Why Your Bill Can Climb
- Medigap Plan Letters Explained for Stevens Point Residents
- Medigap in Wausau: a separate policy from Medicare
- How Medigap Letters Work for Milwaukee Medicare Enrollees
- Medicare Supplement Basics Racine Shoppers Should Know
Wisconsin cities
Pick your city for the county-level picture, the companies active in your area, and local guides: