Insurance in Monroe County · Western Wisconsin
Insurance Coverage for Monroe County, WI
Monroe County is home to roughly 46,169 residents across Sparta, Tomah, Cashton, and Norwalk. Hougom Insurance Agency is a full-service independent agency based nearby in Onalaska — we write every line here: Medicare, ACA/individual health, life insurance and annuities, group benefits, and home, auto, farm, and business coverage, comparing multiple carriers so you're never stuck with one company's price.
By the numbers · Monroe County
Quick facts for Monroe County Medicare
Source: U.S. Census Bureau American Community Survey (2023, 5-Year Estimates) & CMS Medicare Advantage Landscape (PY2026).
Health profile · why coverage choice matters here
Chronic conditions among Monroe County adults
The right Medicare plan depends on your health. Here's how common key conditions are locally (CDC PLACES, model-based prevalence among 46,151 adults) — a reason to check each plan's drug formulary and specialist network before you enroll.
Source: CDC PLACES Local Data for Better Health (2023).
Plans & stability
Medicare Advantage plans in Monroe County (2026)
Representative MA-PD plans with drug coverage, by CMS star rating. "Stability" is each plan's published CMS Overall Star Rating — a federal quality measure, not our opinion. We never call a plan best or worst; we show the data and help you compare.
| Plan | Carrier | Premium | Drug deductible | CMS rating | Stability |
|---|---|---|---|---|---|
| Aetna Medicare Signature (PPO) | Aetna Medicare | $0 | $615 | 4.5★ | Strong (4★+) |
| Esteem Rx (HMO-POS) | Security Health Plan of Wisconsin | $0 | $250 | 4.5★ | Strong (4★+) |
| Aetna Medicare Premier (PPO) | Aetna Medicare | $27 | $615 | 4.5★ | Strong (4★+) |
| HumanaChoice H7617-007 (PPO) | Humana | $47 | $615 | 4.5★ | Strong (4★+) |
| Essence Rx (HMO-POS) | Security Health Plan of Wisconsin | $87 | $330 | 4.5★ | Strong (4★+) |
| Legacy Rx (HMO-POS) | Security Health Plan of Wisconsin | $269 | $0 | 4.5★ | Strong (4★+) |
| AARP Medicare Advantage from UHC WI-0015 (HMO-POS) | UnitedHealthcare | $0 | $520 | 4★ | Strong (4★+) |
| Gundersen Quartz Med Advantage Basic D (HMO) | Quartz Medicare Advantage | $0 | $270 | 4★ | Strong (4★+) |
| Gundersen Quartz Med Advantage Core D (HMO) | Quartz Medicare Advantage | $29 | $270 | 4★ | Strong (4★+) |
| Gundersen Quartz Med Advantage Value D (HMO) | Quartz Medicare Advantage | $90 | $225 | 4★ | Strong (4★+) |
| Gundersen Quartz Med Advantage Elite D (HMO) | Quartz Medicare Advantage | $196 | $200 | 4★ | Strong (4★+) |
| HumanaChoice R5361-002 (Regional PPO) | Humana | $103 | $615 | 3★ | Below average (<3.5★) |
| Cooperative Medicare Advantage (HMO) | Group Health Cooperative of Eau Claire | $0 | $275 | — | Not yet rated |
Source: CMS Medicare Advantage Landscape (PY2026). Premiums shown are consolidated monthly premiums; full plans vary — compare with the tool below.
Who covers you
Carriers in the Monroe metro
- Quartz Medicare Advantage (HMO) — 4 plans · UW Health-affiliated; Gundersen network plans
- Security Health Plan of Wisconsin (Sanford Health) — 3 plans · Regional Sanford Health-affiliated plans
- Aetna Medicare (CVS Health) — 2 plans · $0-premium PPO options available
- Humana — 2 plans · Local and Regional PPO options
- Group Health Cooperative of Eau Claire — 1 plan · Regional West-Central Wisconsin cooperative
- UnitedHealthcare — 1 plan · AARP-branded HMO-POS plan
Where you get care
Hospitals & providers nearby
- Mayo Clinic Health System – Franciscan Healthcare — Sparta · CMS rating not yet published
- Tomah Memorial Hospital — Tomah · CMS rating not yet published
Plus roughly 18 family-medicine providers and 4 pharmacies in the Sparta area — check that yours are in-network before you enroll.
Sources: CMS Hospital Compare · NPPES NPI Registry.
This is educational information, not medical, legal, or insurance advice, and not a recommendation of any specific plan. Hougom Insurance Agency is a licensed independent insurance agency (NPN 20742808) and a Third-Party Marketing Organization (TPMO) under CMS guidelines — we are not connected with or endorsed by the U.S. government or the federal Medicare program. We do not offer every plan available in your area. Any information we provide is limited to the plans we do offer in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Assistance Program (SHIP) for a complete list of options.
Everything we cover · Monroe County
One agency, every line, right here in Monroe County
Beyond Medicare, we write every other line of insurance for Monroe County households and businesses. Each line below links to the full coverage details.
ACA & individual health
Marketplace plans, subsidy eligibility, and short-term coverage for households and the self-employed not on an employer plan.
Life, annuities & group benefits
Term and whole life, retirement-income annuities, and employer-sponsored group health, life, dental, and vision for local businesses.
Home, auto & farm
Homeowners, auto, and farm insurance for Monroe County's farms and rural households — often bundled for savings.
Business & bonds
General liability, business owner's policies, and contractor license bonds for Monroe County businesses.
Monroe County insurance questions, answered
Does Hougom Insurance Agency serve Monroe County, WI?
Yes. Hougom Insurance Agency is based nearby in Onalaska and serves Monroe County — including Sparta, Tomah, Cashton, and Norwalk — for every line we write: Medicare, ACA/individual health, life insurance, annuities, group benefits, and home/auto/farm/business coverage.
How many Medicare Advantage plans are available in Monroe County for 2026?
For 2026, 13 Medicare Advantage and MA-PD plans are available in Monroe County across 6 carriers, including 5 $0-premium options. The highest CMS star rating offered locally is 4.5★.
Which hospitals serve Monroe County for Medicare Advantage networks?
Mayo Clinic Health System – Franciscan Healthcare in Sparta and Tomah Memorial Hospital in Tomah are the county's primary hospitals. The Tomah VA Medical Center also serves veterans in the area. Network participation varies by specific Medicare Advantage plan — we confirm your doctors and preferred hospital are covered before you enroll.
Do you write farm and agricultural insurance in Monroe County?
Yes. Monroe County — including the Amish and Mennonite farming communities around Cashton and Norwalk — has a significant agricultural base, and we write farm insurance alongside homeowners, auto, and business coverage, often bundled for working farms.
What's the uninsured rate in Monroe County?
An estimated 8.9% of Monroe County's civilian population — about 4,065 residents — was uninsured per the U.S. Census Bureau's 2023 American Community Survey. We help close that gap by comparing ACA marketplace plans, including subsidy-eligible options, for Monroe County households.
Can you help a Monroe County business with group health benefits?
Yes. We design and quote employer group health, life, dental, vision, and disability benefits for Monroe County businesses, comparing fully-insured and level-funded options across multiple carriers to fit your team and budget.
Talk to a local advisor about Monroe County coverage
Free, no pressure — right here in Onalaska, WI.
Book a free consultation → (608) 799-8434
Also serving: La Crosse County · Trempealeau County · Vernon County