There are multiple ways to obtain health insurance coverage if you live in Wyoming. Your employer can provide it to you, you can purchase a plan on Healthcare.gov or directly from a broker or a health insurance company, and you can also buy a short-term insurance plan. You can apply for Medicare if you are 65 and over or have a qualifying disability. If your income falls below a certain limit, you may be eligible for Medicaid.

Read this guide to learn about your health insurance options, their costs, and how to enroll a plan.

What to know about insurance in Wyoming

  • Enrollment options: Wyoming residents can purchase Affordable Care Act (ACA) plans on Healthcare.gov, where you may be eligible for premium tax credits and cost-sharing reductions (CSRs). Alternatively, you can buy a plan from brokers, insurance agents, and health insurance
  • Open enrollment: Open enrollment in Wyoming starts on November 1 and ends on December 15 each year. You’ll need a qualifying event to enroll outside of this period, such as getting married or divorced, becoming a U.S. citizen or permanent resident, having or adopting a baby, or moving to Wyoming.
  • Individual plans: Off-exchange options are also available if you don’t want to buy health insurance coverage on Healthcare.gov. Under the ACA, all plans must cover pre-existing conditions, mental health care, and other essential benefits, but they don’t include tax credits or CSRs.
  • Coverage types: Approximately 51% of Wyoming residents have access to health insurance through an The next highest group is made up by seniors with disabilities who receive Medicare, at about 16.2%, followed by Medicaid beneficiaries, who represent 11.5% of the population. Non-group insurance — which includes short-term insurance and alternative health plans — comprise 7.1%, while the military provides health coverage for 1.8% of residents. Wyoming has a relatively high rate of uninsured residents at 12.3%.

How do I enroll in Wyoming’s Health Insurance Marketplace?

If you’re interested in an ACA plan, the first thing you’ll need to do is create an account on Healthcare.gov.

Once you have an account, you can apply for health insurance. The Health Insurance Marketplace checks your eligibility for Medicaid and uses the information you provide to determine if you qualify for an Advanced Premium Tax Credit. Make sure you have the full name, birth date, and Social Security number of every person in your family who needs coverage before you start the application process.

The application will ask you several questions related to your income and family, including the following:

  • Are you single or married?
  • How many tax dependents will you claim on your current return?
  • How much income will your household make this year?
  • Do you want to see if you can get help paying for coverage?

Once you finish setting up your account, you’ll be able to view up to three plans side by side in order to help you select one that suits your family’s budget and health care needs. Depending on your income, many of these plans offer tax credits and other savings benefits.

State residents can purchase health insurance coverage from the following companies:

  • Blue Cross Blue Shield of Wyoming
  • Mountain Health CO-OP

How do I enroll in Wyoming’s individual and family insurance?

There are some important considerations when shopping for individual coverage, whether for yourself or multiple people. These considerations include:

  • Medical needs
  • Preferred plan type
  • Premium affordability
  • Individual vs. family deductibles

Insurance for individuals in Wyoming

When shopping for an individual plan, your budget and your overall health are the two most important factors to consider. For most plans, the monthly premium isn’t your only out-of-pocket cost. You also have to think about the deductible, the copay for each service, and the coinsurance requirements.

If you’re in good health and don’t plan to use your insurance often, you may save the most money by enrolling in the plan with the lowest premium. You’ll be covered in the event of a sudden illness or injury, but you won’t have to worry about paying a high premium each month.

In Wyoming, all off-exchange health insurance plans and those available on Healthcare.gov are Preferred Provider Organization Plans (PPO). PPO plans offer more flexibility than other health insurance options. Monthly premiums can be slightly more expensive, but these plans have lower deductibles and you aren’t required to choose a primary care physician or obtain a referral to see a specialist. You aren’t limited to the health insurance company’s in-network providers, though an in-network specialist is usually more affordable than out-of-network care.

Insurance for families in Wyoming

If you need coverage for multiple people, you need to think about how each person might use the plan. A spouse may need maternity care or fertility services, while a child might need to be covered for a tonsillectomy or other common childhood procedure. Review the plan details carefully to make sure the services you need are covered. If someone in your family receives specialty care, you should also check to make sure the specialist participates in the plan’s network.

Another consideration for family plans is that many plans have an individual deductible and a family deductible. An individual deductible applies to each person covered by the plan, while the family deductible applies to the entire family. If one of your family members is hospitalized or undergoes an expensive surgery, it’s possible to meet the family deductible before every person on the plan has met their individual deductible.

As the only kind of off-exchange health insurance plans sold in Wyoming are PPO plans, your family doesn’t have to get a referral to see a physician or visit a specialist.

How much does health insurance cost in Wyoming?

Healthcare.gov insurance plans in Wyoming are organized in four metal tiers: bronze, silver, gold and platinum, which indicate the level of coverage. All plans available on Healthcare.gov offer quality health coverage. While Wyoming has some of the highest premiums in the country, there are free bronze plans (and even some gold plans) if you qualify for subsidies.

Average premiums in Wyoming 2018 2019 2020 2021
Most affordable bronze plan $580 $577 $590 $519
Most affordable silver plan $864 $858 $875 $785
Most affordable gold plan $714 $716 $732 $645

  • Bronze plans have low monthly premiums but high deductibles and a coinsurance payment of 40%. These are ideal plans if you’re healthy and don’t require much health care. The most affordable bronze plan in Wyoming, not considering any benefits or tax credits, is $519 per month.
  • Silver plans have higher monthly premiums but lower deductibles and a lower coinsurance payment of 30%. These plans also offer premium tax credits and CSRs to eligible individuals and families. In 2021, the lowest priced silver plan in Wyoming costs $785 per month before factoring in any benefits or tax credits.
  • Gold and platinum plans are an excellent choice if you have a chronic health condition with= medications or regular visits to specialists. These plans are eligible for tax credits and benefits, and have low deductibles and low coinsurance payments — 20% for gold plan and 10% for a platinum plan. However, monthly premiums are usually high. The most affordable gold plan in 2021 within Wyoming, before any benefits or tax credits, is $645 per month.

What kind of low-income health insurance is available in Wyoming?