Wisconsin Health Insurance Coverage, 2000 - State Health Access - shadac-2025

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Generally speaking, yes, a higher deductible is the better choice long term. Especially if you have a good driving history.
The easiest way is to just call your insurance company and ask if mounjaro (and/or wegovy and ozempic) would be covered for you. They might say yes, no, it depends on your diagnosis, or you need prior authorization.
This means: You must pay $4,000 toward your medical costs before your plan begins to cover costs. After you pay the $4,000 deductible, your plan covers 75% of the costs, and you pay the other 25%.
The fee for not having health insurance (sometimes called the Shared Responsibility Payment or mandate) ended in 2018. This means you no longer pay a tax penalty for not having health coverage. If you dont have health coverage, you dont need an exemption to avoid paying a tax penalty.
For example, if you have a health insurance policy with an annual deductible of $2,000, you will need to pay that amount each year before your insurance starts covering expenses. Understanding your insurance deductible is important because it can have a significant impact on your out-of-pocket expenses.
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In an HDHP, the deductible is $1,400 or more for individuals and $2,800 or more for families. For example: If you have an HDHP with a $2,000 deductible, you must pay the first $2,000 of your medical bills in a year.

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