You can find several reasonably priced health insurance options in Wyoming. The majority of the plans available will also allow for the addition of dental and vision insurance. The lowest-priced health insurance plans in your state start at $507 per month, dental add-ons at $43 per month, and vision plans at $16 per month. Rates and coverage depend on your age, location, household size, and other factors, but a full-coverage health insurance plan will cost residents of Wyoming an average of $620 per month, but some could be eligible for free plans.
Wyoming Health Insurance Companies
Wyoming has multiple insurance companies offering affordable plan options. Two of the biggest companies offering local plans are:
Blue Cross Blue Shield of Wyoming
Blue Cross Blue Shield of Wyoming is an independent licensee of the Blue Cross Blue Shield Association. Members can select the plan with the network that best suits their needs: either a more local Health Maintenance Organization (HMO) plan with a smaller number of providers in a more confined location, or a statewide Preferred Provider Organization (PPO) plan with a network that includes access to the majority of Wyoming’s physicians and hospitals.
Mountain Health CO-OP
Mountain Health Co-Op is a nonprofit insurer that reinvests its earnings in its members by offering benefits and services including dental and vision reimbursements, telehealth, travel benefits, and low-cost medications. In addition, their Bronze, Silver, and Gold tier plans provide a range of options for members to choose from.
Health Insurance Marketplace in Wyoming
If you’re looking for health insurance in Wyoming, the health insurance Marketplace is a great place to start. Marketplace health insurance, which was created by the Affordable Care Act, offers certain consumer protections, guarantees coverage for pre-existing conditions, and includes coverage for what are known as the “10 essential health benefits”:
- Ambulatory patient services (outpatient care)
- Emergency services
- Pregnancy, maternity, and newborn care (both before and after birth)
- Mental health and substance use disorder services, including behavioral health treatment (including counseling and psychotherapy)
- Prescription drugs
- Rehabilitative and habilitative services and devices
- Laboratory services
- Preventive and wellness services and chronic disease management
- Pediatric services, including oral and vision care (but adult dental and vision coverage aren’t essential health benefits)
The ACA-compliant plans offered on the Marketplace are divided into different types, known as metal tiers: Bronze, Silver, and Gold. These tiers do not signal a difference in quality of care, though. The tiers differ in your out-of-pocket costs versus what your plan covers.
It’s important to remember that the Marketplace only offers the plans of participating providers. So unfortunately, while the Marketplace is a great tool, you may not be able to compare every plan available to you.
Whether you want a Marketplace plan, or a plan from a private insurer, an EZ agent can help. We work with all carriers in your state in order to compare all options available.
Over half of the uninsured in Wyoming who qualify for Marketplace insurance coverage could get a Bronze plan for FREE.
Wyoming’s Short Term Health Insurance Guidelines
If you’ve missed the health insurance Open Enrollment Period (OEP), or if you need health insurance for a short amount of time, short-term plans are a great option. It’s important to note, though, that these policies tend to only cover the basics, and you can be denied one of these plans if you have a pre-existing condition.
There are some rules around short-term plans, both at the federal and the state level. Some states choose to have their own guidelines separate from federal guidelines, or don’t allow short-term plans at all, but Wyoming has chosen to follow federal guidelines. This means you can get coverage for an initial 364 days, and you can then renew up to 3 times, giving you just under 3 years of coverage. You also have the option to buy a new plan once the original one expires.
Wyoming Health Insurance Plans
It’s important to understand the different types of plans that are offered in Wyoming before choosing one. In Wyoming, there are several options for people to get health insurance.
- Individual plans – Only a small portion of the numerous companies that offer health insurance in Wyoming are included in the list above, so you have a wide range of options for private plans. Using your chosen carrier’s website, you and your family can find great coverage.
- Employer-sponsored – Speak to your employer to see if they offer a group health plan, since group health insurance is often less expensive than an individual plan.
- Government assistance – Medicaid makes it possible for individuals or families with low incomes to get affordable or even free healthcare, but you must fulfill specific income requirements in order to be eligible for these plans. Medicare provides reasonably priced health coverage for anyone over 65 or adults with specific disabilities.
No matter which route you choose, working with an agent can save you a ton of time and effort. A highly experienced EZ agent can help you by discussing all of your needs and searching for all available plans that fit both your needs and budget.
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How to Get the Most Savings
Wyoming is a fairly expensive state when it comes to healthcare costs: it ranks 5th among the 50 states in terms of per capita healthcare spending. The average annual healthcare cost per person in Wisconsin is $10,296, but there are things you can do to lower the price of your health insurance.
Your health is the best place to start, since insurance companies look at your physical health, including your body mass index (BMI), when determining your rates. Obesity is common in Wyoming: 29.7% of adults are considered obese. So, if you’re among this group, know that you might end up paying more for health insurance. You may be able to lower your rates by maintaining a healthy BMI.
Another factor that affects the price of health insurance is tobacco use. The cost of health insurance for smokers might be up to 50% more than for nonsmokers. So, quitting will not only lower your overall healthcare costs, but also your insurance premiums.
The best way to find the most savings is to work with a trained agent. The professionals at EZ are experienced at finding the most affordable plans with the best coverage, as well as any discounts you might be eligible for. In fact, you could save hundreds of dollars a year by working with an EZ agent. Not only that, but all of our services are absolutely free!
Wyoming Health Insurance FAQS
Does Wyoming require you to have health insurance?
No, Wyoming does not require residents to have health insurance, and the federal tax penalty for not having insurance was lifted in 2019.
What is the cheapest health insurance in Wyoming?
The cheapest health plan will be a Bronze plan, which can start as low as $507 a month. Remember, though, health insurance plan prices can vary depending on age, zip code, gender, and other factors. More than half of Wyoming residents who qualify for a Marketplace plan can actually get a Bronze plan for free.
How much does health insurance cost in Wyoming?
The average monthly health insurance premium in Wisconsin is $620, or $7,440 per year, with plans as low as $507 a month to as high as $1,377. But do not let these numbers scare you. More than half of uninsured people in Wyoming qualify for a $0 Bronze plan and don’t even know it.
Which companies offer health insurance in Wyoming?
The top 2 insurers in your state are Blue Cross Blue Shield of Wyoming, and Mountain Health CO-OP (Montana Health CO-OP).
How to Enroll in Health Insurance in Wyoming
Residents of Washington have the option of signing up for a healthcare plan through the federal Marketplace, buying their own coverage through a private insurer, or signing up through their employer.
Finding the best plan for you and your family can be difficult, time-consuming, and stressful, however you choose to do it. Your best bet is to get help from an EZ agent. We’ll discuss your financial and medical needs with you, as well as any discounts or subsidies that might be available to you. After analyzing your information, we’ll compare every health insurance plan on and off the Marketplace, talk with you about your options, and guide you through the whole enrollment process.
If you still have questions, feel free to give us a call at 877-670-3557. You will be directly connected to a local insurance agent who can answer all of your questions and help you find the health insurance plan that works best for you.