Common Ground Healthcare Cooperative
Common Ground is the health insurance solution for thousands of small businesses, nonprofits, individuals and families throughout eastern Wisconsin.
They are a nonprofit cooperative dedicated to delivering quality, comprehensive health insurance.
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Plan Overviews
| Catastrophic | Bronze HSA | Bronze 7150/100 | |
| Deductiblea specified amount of money that the insured must pay before an insurance company will pay a claim. – In Network
(Single/Family) |
$7,150/$14,300 | $6,500/$13,000 | $7,150/$14,300 |
| Deductiblea specified amount of money that the insured must pay before an insurance company will pay a claim. – Out of Network
(Single/Family) |
$21,450/$42,900 | $19,500/$39,000 | $21,450/$42,900 |
| Out-of-Pocket MaximumAn out-of-pocket maximum is the most you'll have to pay during a policy period (usually a year) for health care services – In Network
(Single/Family) |
$7,150/$14,300 | $6,500/$13,000 | $7,150/$14,300 |
| Out-of-Pocket MaximumAn out-of-pocket maximum is the most you'll have to pay during a policy period (usually a year) for health care services – Out of Network
(Single/Family) |
$42,900/$85,800 | $39,000/$78,000 | $42,900/$85,800 |
| CoinsuranceWhat % you pay after your deductible has been met and before your out of pocket max – In Network | 0% | ||
| CoinsuranceWhat % you pay after your deductible has been met and before your out of pocket max – Out of Network | 30% | ||
| PCP (In Network) | $0 for 3; Copay | Deductible | $35 for 3; Deductible |
| Specialist (In Network) | Deductible | ||
| Urgent Care (In Network) | Deductible | ||
| Aurora Quickcare/Bellin Fastcare | $0 for 3; the Copay | Ded/Coins | $15 Copay |
| Emergency Room (In- & Out-of-Network) | Deductible | ||
| CGHC Doctor Line | $0 for 3; then $40 | $40 | $0 for 3; then $35 |
| In-Network Preventative Care | $0 | ||
| Prescription Drugs (Tier 1) | Deductible | ||
| Prescription Drugs (Tier 2) | Deductible | ||
| Prescription Drugs (Tier 3) | Deductible | ||
| Prescription Drugs (Specialty) | Deductible | ||
| Silver 3800/80 | Silver HSA | Silver 2500/80/Copay 35 | Silver 2400/80 | Silver 2000/70 | Silver 3500/80 | Silver 5200/80 | |
| Deductiblea specified amount of money that the insured must pay before an insurance company will pay a claim. – In Network
(Single/Family) |
$3,800/$7,600 | $3,000/$6,000 | $2,500/$5,000 | $2,400/$4,800 | $2,000/$4,000 | $3,500/$7,000 | $5,200/$10,400 |
| Deductiblea specified amount of money that the insured must pay before an insurance company will pay a claim.– Out of Network
(Single/Family) |
$11,400/$22,800 | $9,000/$18,000 | $7,500/$15,000 | $7,200/$14,400 | $6,000/$12,000 | $10,500/$21,000 | $15,600/$31,210 |
| Out-of-Pocket MaximumAn out-of-pocket maximum is the most you'll have to pay during a policy period (usually a year) for health care services – In Network
(Single/Family) |
$7,150/$14,300 | $5,600/$11,200 | $7,150/$14,300 | $7,150/$14,300 | $7,000/$14,000 | $7,150/$14,300 | $7,150/$14,300 |
| Out-of-Pocket MaximumAn out-of-pocket maximum is the most you'll have to pay during a policy period (usually a year) for health care services – Out of Network
(Single/Family) |
$21,450/$42,900 | $16,800/$33,600 | $21,450/$42,900 | $21,450/$42,900 | $21,000/$42,000 | $21,450/$42,900 | $21,450/$42,900 |
| CoinsuranceWhat % you pay after your deductible has been met and before your out of pocket max – In Network | 20% | 20% | 20% | 20% | 30% | 20% | 20% |
| CoinsuranceWhat % you pay after your deductible has been met and before your out of pocket max – Out of Network | 50% | ||||||
| PCP (In Network) | $35 Copay | Ded/Coins | $35 Copay | Ded/Coins | Ded/Coins | $30 Copay | $50 Copay |
| Specialist (In Network) | $60 Copay | Ded/Coins | $75 Copay | Ded/Coins | Ded/Coins | $65 Copay | $80 Copay |
| Urgent Care (In Network) | $50 Copay | Ded/Coins | $50 Copay | Ded/Coins | Ded/Coins | $75 Copay | Ded/Coins |
| Aurora Quickcare/Bellin Fastcare | $15 Copay | Ded/Coins | $15 Copay | Ded/Coins | Ded/Coins | $30 Copay | $15 Copay |
| Emergency Room (In- & Out-of-Network) | $300 Copay | Ded/Coins | $300 Copay | Ded/Coins | Ded/Coins | Deductible; then $400 | Ded/Coins; then $300 |
| CGHC Doctor Line | $0 for 3; then $35 | $40 | $0 for 3; then $35 | $0 for 3; then $40 | $0 for 3; then $40 | $0 for 3; then $30 | $0 for 3; then $40 |
| In-Network Preventative Care | $0 | ||||||
| Prescription Drugs (Tier 1) | $25 Copay | Ded/Coins | $25 Copay | Ded/Coins | $10 Copay | $15 Copay | $10 Copay |
| Prescription Drugs (Tier 2) | $55 Copay | Ded/Coins | $65 Copay | Ded/Coins | Ded/Coins | $50 Copay | Deductible; then $75 |
| Prescription Drugs (Tier 3) | $75 Copay | Ded/Coins | $75 Copay | Ded/Coins | Ded/Coins | $100 Copay | Deductible; then $75 |
| Prescription Drugs (Specialty) | Ded/Coins | Ded/Coins | Ded/Coins | Ded/Coins | Ded/Coins | 40% Coins; then Deductible | Ded/Coins |
| Gold 1000/90 | |
| Deductiblea specified amount of money that the insured must pay before an insurance company will pay a claim. – In Network
(Single/Family) |
$1,000/$2,000 |
| Deductiblea specified amount of money that the insured must pay before an insurance company will pay a claim. – Out of Network
(Single/Family) |
$3,000/$6,000 |
| Out-of-Pocket MaximumAn out-of-pocket maximum is the most you'll have to pay during a policy period (usually a year) for health care services – In Network
(Single/Family) |
$7,150/$14,300 |
| Out-of-Pocket MaximumAn out-of-pocket maximum is the most you'll have to pay during a policy period (usually a year) for health care services – Out of Network
(Single/Family) |
$21,450/$42,500 |
| CoinsuranceWhat % you pay after your deductible has been met and before your out of pocket max – In Network | 10% |
| CoinsuranceWhat % you pay after your deductible has been met and before your out of pocket max – Out of Network | 40% |
| PCP (In Network) | $35 Copay |
| Specialist (In Network) | $60 Copay |
| Urgent Care (In Network) | $50 Copay |
| Aurora Quickcare/Bellin Fastcare | $15 Copay |
| Emergency Room (In- & Out-of-Network) | $300 Copay |
| CGHC Doctor Line | $0 for 3; then $35 |
| In-Network Preventative Care | $0 |
| Prescription Drugs (Tier 1) | $10 Copay |
| Prescription Drugs (Tier 2) | $45 Copay |
| Prescription Drugs (Tier 3) | $75 Copay |
| Prescription Drugs (Specialty) | Ded/Coins |
| 73% – 2600/Copay 30 CSR | 87% – $0 Ded/Copay 25 CSR | 94% – $0 Ded/Copay 0 CSR | |
| Deductible a specified amount of money that the insured must pay before an insurance company will pay a claim. – In Network
(Single/Family) |
$2,600/$5,200 | $0/$0 | $0/$0 |
| Deductiblea specified amount of money that the insured must pay before an insurance company will pay a claim. – Out of Network
(Single/Family) |
$7,800/$15,600 | $5,000/$10,000 | $5,000/$10,000 |
| Out-of-Pocket MaximumAn out-of-pocket maximum is the most you’ll have to pay during a policy period (usually a year) for health care services – In Network
(Single/Family) |
$5,700/$11,400 | $2,350/$4,700 | $700/$1,400 |
| Out-of-Pocket MaximumAn out-of-pocket maximum is the most you’ll have to pay during a policy period (usually a year) for health care services – Out of Network
(Single/Family) |
$17,100/$34,200 | $10,000/$20,000 | $10,000/$20,000 |
| CoinsuranceWhat % you pay after your deductible has been met and before your out of pocket max – In Network | 20% | ||
| CoinsuranceWhat % you pay after your deductible has been met and before your out of pocket max – Out of Network | 50% | ||
| PCP (In Network) | $30 Copay | $25 Copay | $0 Copay |
| Specialist (In Network) | $50 Copay | $45 Copay | $10 Copay |
| Urgent Care (In Network) | Ded/Coins | Coinsurance | Coinsurance |
| Aurora Quickcare/Bellin Fastcare | $15 Copay | $15 Copay | $0 Copay |
| Emergency Room (In- & Out-of-Network) | Deductible; then $300 | $300 | $100 |
| CGHC Doctor Line | $0 for 3; then $30 | $0 for 3; then $25 | $0 for up to 8 |
| In-Network Preventative Care | $0 | ||
| Prescription Drugs (Tier 1) | $10 Copay | $10 Copay | $0 |
| Prescription Drugs (Tier 2) | $50 Copay | $50 Copay | $10 Copay |
| Prescription Drugs (Tier 3) | Deductible; then $75 Copay | $75 Copay | $30 Copay |
| Prescription Drugs (Specialty) | Ded/Coins | Coinsurance | Coinsurance |
Apply Online Now
Counties served by Common Ground
To check if your doctor is in the Common Ground health plan network or to find a doctor in your area, go to their provider directory. If you don’t get your insurance through your employer, click here to access their directory.
If you get insurance through your employer or your spouse’s employer, click here to see the networks they offer to their small business members. You can always check with the member services department too by calling 877.514.2442.
Contact Us
New Enrollments
Phone: (855) 847-7020
Email: help@ihealthagents.com
Mailing Address
Common Ground Healthcare Cooperative
120 Bishop’s Way, Suite 150
Brookfield, WI 53005
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2026 Common Ground / CareSource plans & member ratings
Common Ground Healthcare Cooperative - now marketed as CareSource - sells individual EPO plans in eastern and southeastern Wisconsin on HealthCare.gov. Note: for 2026 the plan withdrew from several southeastern counties (including Milwaukee, Kenosha, Racine and others), so confirm availability in your county. Below are representative 2026 plans with verified fixed cost-sharing and member ratings; premiums vary by age and county.
Gold $3300Popular
Gold EPO with a $3,300 deductible.
Rate this plan
Rate all four categories - Cost, Plan Value, Customer Service and Network Size - to unlock submit. Comment optional. A first name or county are shown with your review; leave them blank to stay anonymous.
Baseline: 3.2 / 5 - seeded from CMS quality ratings and public member reviews; updates as visitor ratings come in.
Silver Standard $6000
Standardized Silver EPO.
Rate this plan
Rate all four categories - Cost, Plan Value, Customer Service and Network Size - to unlock submit. Comment optional. A first name or county are shown with your review; leave them blank to stay anonymous.
Baseline: 3.2 / 5 - seeded from CMS quality ratings and public member reviews; updates as visitor ratings come in.
Bronze $0 Deductible ($2,500 Rx Ded)
Bronze EPO with a $0 medical deductible (separate Rx deductible).
Rate this plan
Rate all four categories - Cost, Plan Value, Customer Service and Network Size - to unlock submit. Comment optional. A first name or county are shown with your review; leave them blank to stay anonymous.
Baseline: 3.2 / 5 - seeded from CMS quality ratings and public member reviews; updates as visitor ratings come in.
Bronze $9600 ($45 PCP Copay)Lowest premium
High-deductible Bronze EPO for the lowest premium, with $45 PCP copays.
Rate this plan
Rate all four categories - Cost, Plan Value, Customer Service and Network Size - to unlock submit. Comment optional. A first name or county are shown with your review; leave them blank to stay anonymous.
Baseline: 3.2 / 5 - seeded from CMS quality ratings and public member reviews; updates as visitor ratings come in.
Wisconsin individual-market rate history
| Plan year | WI individual market (avg approved) |
|---|---|
| 2019 | -4.2% |
| 2020 | -3.2% |
| 2021 | -3.4% |
| 2022 | -0.3% |
| 2023 | +7.7% |
| 2024 | +6.8% |
| 2025 | +8.2% |
| 2026 | +22.8% |
Sources: Wisconsin OCI filings and ACA Signups WI 2026 summary. The column is the Wisconsin individual-market average approved change; per-carrier figures were not separately published for citation. Wisconsin's 2026 increase reflects medical trend plus the scheduled expiration of enhanced premium tax credits.
Is Common Ground / CareSource in your county?
The co-op left several southeastern Wisconsin counties for 2026, so availability matters. A licensed agent can confirm it serves your ZIP and compare it against Dean, Network Health and others, free. Call (855) 847-7020.
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