Wisconsin long-term care insurance: cost & coverage
What long-term care costs in Wisconsin, who regulates insurance here, whether the state has an LTC Partnership program, and how to compare quotes.
Who regulates long-term care insurance in Wisconsin
Long-term care insurance policies sold in Wisconsin are regulated by the Office of the Commissioner of Insurance (State of Wisconsin). If you have a complaint about an agent, carrier, or policy, you can file it with the regulator directly.
What long-term care costs in Wisconsin
Median assisted living cost in Wisconsin vs. the national median:
| Location | Median / month | Approx. / year |
|---|---|---|
| Wisconsin | $6,525 | $78,300 |
| National median | $6,313 | $75,756 |
Source: SeniorLiving.org median assisted living costs, 2026. See costs for all 50 states for the full table.
What each type of care costs in Wisconsin
Assisted living is only one of the settings people use. Median monthly costs across the main care types in Wisconsin:
| Type of care | Median / month | Approx. / year |
|---|---|---|
| Home health aide | $6,535 | $78,420 |
| Assisted living | $6,525 | $78,300 |
| Nursing home (semi-private room) | $10,681 | $128,172 |
| Nursing home (private room) | $11,940 | $143,280 |
Source: SeniorLiving.org Cost of Care Research (2026)
Wisconsin's LTC Partnership program
Wisconsin has an active LTC Partnership program. Wisconsin's LTC Partnership program became effective January 1, 2009.
A Partnership-qualified policy lets you keep an extra dollar of assets, protected from Medicaid spend-down, for every dollar your policy pays out in benefits — see the note above for this state's current status. Learn more about how Partnership programs work.
How the Partnership program works in Wisconsin
Wisconsin's Long-Term Care Insurance Partnership Program is jointly administered by the Wisconsin Department of Health Services and the Office of the Commissioner of Insurance, working with private insurers and licensed agents under federal Medicaid oversight. Under the program, benefits paid out under a qualifying Partnership policy are excluded dollar-for-dollar when Wisconsin determines a policyholder's countable resources for Medicaid eligibility, and that same protected amount is also shielded from Wisconsin's Medicaid estate recovery program, letting policyholders keep more assets while still qualifying for Medicaid long-term care coverage.
Source: Wisconsin Department of Health Services (2026)
How Wisconsin treats LTC premiums at tax time
Wisconsin has a state income tax, but its income-tax subtraction for medical care insurance premiums specifically excludes long-term care insurance: the Wisconsin Department of Revenue's guidance on the medical care insurance subtraction lists long-term care insurance among the premium types that do not qualify. As a result, LTC insurance buyers in Wisconsin cannot reduce their state taxable income for LTC premiums through this subtraction, and the state offers no separate LTC-specific income tax credit or deduction.
Source: Wisconsin Department of Revenue (2026)
This is general information, not tax advice. Confirm your own situation with a tax professional licensed in Wisconsin.
Medicaid long-term care in Wisconsin
Wisconsin's Medicaid long-term care program is Family Care, which coordinates home- and community-based services and nursing-facility care through regional managed care organizations for members who are frail elders or adults with disabilities. To qualify, an applicant must meet SSI-Related Medicaid's financial test: countable assets at or below $2,000 for an individual or $3,000 for a couple, plus a functional-eligibility screen confirming a long-term-care-level need lasting more than 90 days.
Source: Wisconsin Department of Health Services (2026)
Other Wisconsin long-term care programs
- IRIS (Include, Respect, I Self-Direct). Wisconsin offers IRIS (Include, Respect, I Self-Direct), a Medicaid long-term-care option that lets eligible older adults and adults with disabilities self-direct their own care: participants (or their representatives) manage an individual budget to hire and schedule their own caregivers and services, as an alternative to enrolling in a managed-care organization through Family Care, Wisconsin's other Medicaid long-term-care program.
How to compare quotes in Wisconsin
- Confirm any agent or carrier you talk to is currently licensed to sell in Wisconsin — the Office of the Commissioner of Insurance (State of Wisconsin) can confirm licensing status.
- Ask which products a carrier is actively writing in Wisconsin today — availability changes state by state and year to year. See carriers we compare.
- If a Partnership-qualified policy matters to you, confirm with the carrier or agent whether a policy is currently certified as Partnership-qualified in Wisconsin — see this state's Partnership status above.
- Compare traditional and hybrid options side by side — see traditional vs. hybrid coverage.
- Get quotes from more than one carrier; pricing for the same coverage can vary significantly.
Please note: Regulator names, complaint channels, and Partnership-program status can change. Confirm current details with the Office of the Commissioner of Insurance (State of Wisconsin) or a licensed agent before making any decision. LongTermCareInsurance411 is not a government agency and does not administer Wisconsin's insurance regulations or Medicaid program.
Last updated: August 22, 2026
Compare long-term care insurance costs in Wisconsin
Free cost comparison
See personalized long-term care insurance costs from the carriers still writing new policies in 2026 — no obligation and no pressure.
Request a free, no-obligation cost comparisonThe LTC411 Guide
Prefer to read up first? Get our complete, plain-English guide to planning and paying for long-term care, delivered to your inbox.
Get the free complete guide