Insurance in Trempealeau County · Western Wisconsin
Insurance Coverage for Trempealeau County, WI
Trempealeau County is home to roughly 30,786 residents across Whitehall, Galesville, Osseo, Blair, Independence, and Arcadia. 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 · Trempealeau County
Quick facts for Trempealeau 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 Trempealeau County adults
The right Medicare plan depends on your health. Here's how common key conditions are locally (CDC PLACES, model-based prevalence among 30,899 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 Trempealeau 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★+) |
| Gundersen Quartz Med Advantage Basic D (HMO) | Quartz Medicare Advantage | $0 | $270 | 4★ | Strong (4★+) |
| AARP Medicare Advantage from UHC WI-0015 (HMO-POS) | UnitedHealthcare | $0 | $520 | 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★+) |
| Humana Gold Choice H8145-006 (PFFS) | Humana | $37 | $615 | 3.5★ | Average (3.5★) |
| 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 Trempealeau 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
- Humana — 3 plans · PPO, Regional PPO, and PFFS options
- Aetna Medicare (CVS Health) — 2 plans · $0-premium PPO options available
- 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
- Gundersen Tri-County Hospital & Clinics — Whitehall · CMS 4★ hospital rating
Plus roughly 5 family-medicine providers and 2 pharmacies in the Whitehall 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 · Trempealeau County
One agency, every line, right here in Trempealeau County
Beyond Medicare, we write every other line of insurance for Trempealeau 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 Trempealeau County's working farms and rural households — often bundled for savings.
Business & bonds
General liability, business owner's policies, and contractor license bonds for Trempealeau County businesses.
Trempealeau County insurance questions, answered
Does Hougom Insurance Agency serve Trempealeau County, WI?
Yes. Hougom Insurance Agency is based in nearby Onalaska and serves Trempealeau County — including Whitehall, Galesville, Osseo, Blair, Independence, and Arcadia — 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 Trempealeau County for 2026?
For 2026, 14 Medicare Advantage and MA-PD plans are available in Trempealeau County across 6 carriers, including 5 $0-premium options. The highest CMS star rating offered locally is 4.5★.
Is Gundersen Health System in-network for Medicare Advantage plans in Trempealeau County?
Gundersen Tri-County Hospital & Clinics in Whitehall serves the county directly, and several local Medicare Advantage plans — including the Gundersen Quartz Medicare Advantage series — are built around the Gundersen network. Network participation still varies by specific plan, so we confirm your doctors and hospital are covered before you enroll.
Do you write farm and agricultural insurance in Trempealeau County?
Yes. Trempealeau County has a significant agricultural base, and we write farm insurance alongside homeowners, auto, and business coverage — often bundled for working farms that need both personal and commercial protection.
Can you help with ACA marketplace health insurance in Trempealeau County?
Yes. We compare ACA marketplace plans available in Trempealeau County, including subsidy-eligible options during Open Enrollment (November 1 – January 15) or a Special Enrollment Period if you've had a qualifying life event.
What's the uninsured rate in Trempealeau County?
An estimated 8.3% of the civilian population in Trempealeau County was uninsured as of the U.S. Census Bureau's 2023 American Community Survey — about 2,518 residents. We help close that gap with ACA marketplace and short-term coverage options.
Talk to a local advisor about Trempealeau County coverage
Free, no pressure — right here in Onalaska, WI.
Book a free consultation → (608) 799-8434
Also serving: La Crosse County · Vernon County · Monroe County