Does a child need to be covered by a parents insurance if they don't live with them

it is mandatory under Wisconsin law in an action affecting the family, such as divorce, legal separation or paternity, to require that the parties' maintain health insurance for the minor children; this is true regardless of the placement arrangement between the parents; the cost of how it gets paid for can also be allocated between the parties, but the answer to your question is yes; you can be court ordered to provide health insurance for your children, even if they don't live with you.