Statewide · WI
Medicare, health plans and retirement income in Wisconsin
Wisconsin is one of only three states — with Massachusetts and Minnesota — where Medicare Supplement policies are not sold under the familiar Plan A through Plan N letters. Wisconsin uses a single basic policy that you build on with optional riders. National comparison sites and out-of-state agents routinely get this wrong.
The counties we serve
Wisconsin at a glance
By county
Where you live changes what you can buy
Plan menus are set county by county. These are the Wisconsin counties we work in most, with the local enrollment picture for each.
| Category | Value |
|---|---|
| Brown County | 70.9% |
| Outagamie County | 73.0% |
| Winnebago County | 71.1% |
| Fond du Lac County | 67.7% |
Brown County
County seat: Green Bay
Brown County has one of the highest Medicare Advantage participation rates in the country. Roughly 7 in 10 people on Medicare here are enrolled in an Advantage plan rather than Original Medicare — well above the national average.
- On Medicare
- 56,151
- In Advantage plans
- 70.9%
- Aged 65+
- 17.3%
Outagamie County
County seat: Appleton
Outagamie County has the highest Medicare Advantage share of any county we serve — about 73% of local beneficiaries. Fewer than 3 in 10 people here stay on Original Medicare.
- On Medicare
- 41,729
- In Advantage plans
- 73.0%
- Aged 65+
- 17.7%
Winnebago County
County seat: Oshkosh
Winnebago County sits on both sides of Lake Winnebago's western shore and covers two distinct markets — Oshkosh in the south and the Neenah–Menasha area in the north. About 71% of beneficiaries here are in Advantage plans.
- On Medicare
- 37,481
- In Advantage plans
- 71.1%
- Aged 65+
- 18.3%
Fond du Lac County
County seat: Fond du Lac
Fond du Lac County is the oldest county we serve in Wisconsin by share of population — about 20.9% of residents are 65 or older, meaningfully above the Brown County figure of 17.3%.
- On Medicare
- 24,280
- In Advantage plans
- 67.7%
- Aged 65+
- 20.9%
Questions
Wisconsin questions we get most
Which Wisconsin counties do you serve?
We work across Brown County, Outagamie County, Winnebago County, Fond du Lac County, and the communities inside them. If you live just outside those lines, call — the licence covers the whole state.
Is Medicare Supplement sold differently in Wisconsin?
Because Wisconsin is a Medigap waiver state, a quote you find on a national website is often for a plan that is not sold here at all. The comparison that matters in Wisconsin is which riders you add to the basic policy — not which letter you pick.
Does my county actually change which plans I can buy?
Yes, and it is one of the most commonly missed details. Medicare Advantage and Part D plan menus are built county by county. Two neighbours on opposite sides of a county line can be offered a different set of plans, and the county that counts is where you permanently reside — not your mailing address.
When can I make a change?
Medicare Advantage and Part D changes happen during Annual Enrollment, October 15, 2026 to December 7, 2026, taking effect January 1, 2027. Medicare Supplement runs on separate timing — a one-time six-month window from the start of your Part B. ACA Marketplace has its own annual window; annuities and supplemental coverage can be reviewed any time.
Talk through your Wisconsin options
A no-fee review covering what you have now, what is available to you, and whether a change is actually worth making — for Wisconsin residents, by phone or video.