Wyoming Health Insurance: 2021 Coverage Guide

Fran
Fran Majidi
August 17, 2020

Wyoming Affordable Healthcare Insurance

The folks in Wyoming have a few options for health insurance plans but everyone should compare health insurance rates carefully. If you’re an individual or you’re buying coverage for a family, you can get the coverage you need at the best prices by comparing your options with SmartFinancial. You may only enroll in a health plan during open enrollment, unless you are eligible for the Special Enrollment Period due to a qualifying event.

When Is Open Enrollment in Wyoming?

November 1, 2020 - December 15, 2020. Coverage begins January 1, 2021.

How to Get Health Insurance in Wyoming

It’s a good idea to estimate your healthcare costs for the upcoming year, based on the previous year. You’ll need this to decide which type of coverage is right for you, and which level tier suits your needs and will be most economical. Sometimes, higher premiums end up saving you money if you frequently visit care providers. The smartest way to get the most competitive rates for the coverage you need is to compare health insurance companies and health insurance quotes. After you submit the form you’ll get several competing health insurance rates to choose from, and we’ll connect you with an agent in your area so you can buy the coverage or ask questions about the plan you’re considering.

What Types of Health Insurance Are Available in Wyoming?

Health Maintenance Organizations (HMOs), Exclusive Provider Organizations (EPOs), Exclusive Provider Organizations (EPOs) and Point-of-Service (PPOs) are available in Wyoming. You can also get short-term health insurance for up to 364 days. HDHPs, linked to health savings accounts are also available in the state of Wyoming. Gold level plans are the highest metal tier coverage option in Wyoming. If you prefer a lower premium health plan you can choose a bronze or silver plan too. The average American buys the silver plan, which may not be cost efficient if you seek healthcare regularly.

Does Health Insurance Cover Pre-existing Conditions?

The Affordable Care Act require marketplace health plans to insure everyone despite pre-existing conditions.

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Do I Qualify for a Special Enrollment Period?

Common reasons people qualify for a special enrollment period:

  • Lost or quit a job. You may have lost a job, changed jobs or even started your own business. If you lost a job and with it your health insurance, you qualify for the special enrollment period. If you changed jobs and are not offered health insurance, you qualify to buy health insurance after the enrollment period.
  • Turned 26. If you were on your parents’ health insurance plan but turned 26 after the enrollment period, you can enroll in an individual health plan.
  • Moved to another state or out of an HMO coverage area. You may have had a health plan that was only valid in one state but you moved to another state after the enrollment period. You can sign up for a new health plan.
  • Cobra coverage ended. If you extended your healthcare with Cobra and reached the deadline, you can enroll in a new health plan.
  • Divorce. If you were married and shared a health plan coverage with your spouse but divorced, you still have time to enroll in a new health plan.
  • Marriage. If you recently married, you may be able to get added onto your spouse’s policy or start an entirely new one together.
  • Birth or adoption of a child. If your baby was born or came home after the open enrollment date, you can buy health insurance for that child.
  • Death of spouse or partner. If you were covered under your spouse or partner’s health plan but that person passed away, you can take advantage of the special qualifying events exception to enroll in an individual plan.
  • Spouse of partner loses coverage. If you had health insurance through a partner or spouse who lost his/her coverage for any qualifying reason, you are eligible to buy an individual plan or buy coverage with that spouse/partner again.

Is Health Insurance Required in Wyoming?

No, only California, Massachusetts, New Jersey, Vermont, Rhode Island, and DC still require health insurance. Otherwise, there is a tax penalty. Even though it’s not required in every state, buying health insurance is necessary to avoid medical bankruptcy.

How Much Is Health Insurance in Wyoming?

The average cost of health insurance in Wyoming for a 40 year old is about $674 a month. Health insurance is less expensive, the younger you are. Tobacco use increases health insurance rates.

How to Save on Health Insurance in Wyoming

The best way to save on health insurance in Wyoming is to compare rates based on the tier system. Beforehand, you’ll want to estimate your medical costs.


Medicare in Wyoming

Medicare is health insurance coverage for Americans ages 65 years and older. The government also allows younger people with disabilities to enroll in the program. Individuals with End-Stage Renal Disease (a permanent kidney failure treated with dialysis or a transplant) can also sign up as can some individuals with severe mental health issues. Others who qualify for Medicare disability coverage are individuals with Amyotrophic Lateral Sclerosis (also called Lou Gehrig’s Disease). Most beneficiaries will receive Original Medicare (Parts A and B). Some people buy Medicare Advantage, which includes Part A and B as well as offering vision, dental and prescription drug coverage.

How Many People Are on Medicare in Wyoming?

Over 18% of Wyoming’s population is on Medicare. In 2018 that number was 106,787

How Much Is Medicare in Wyoming?

If you do not qualify for Medicare, you can buy it for $458 a month for Part A in 2020 and a standard monthly premium for Medicare Part B was $144.60 for 2020, or even higher depending on income.

Original Medicare vs Medicare Advantage: What’s the Difference?

Medicare is a government subsidized health plan that is available to qualified Americans age 65 and older. Medicare Advantage is sold through private health insurance companies, but these policies are also regulated by the government. Medicare Advantage plans offer the same benefits as Medicare Parts A and B. Medicare Advantage plans also offer more coverage for dental, vision, hearing and prescription drugs. Medicare Advantage plans have a maximum out-of-pocket limit. For 2020, it was $6,700 but many plans set their maximums at a much lower cost. That is why it’s important to compare companies. People who opt for original Medicare can buy Medicare Supplements to help with out-of-pocket costs. You cannot buy both Medicare Advantage and Medicare Supplements. If you enroll in a Medicare Advantage Plan during open enrollment, you will automatically be dis-enrolled from original Medicare.

How to Get Medicare Coverage in Wyoming

You may automatically enroll in Medicare if you're already collecting social security, but you may have to sign up if you do not receive payments. The easiest way to enroll in Medicare is by working with a trusted insurance agent to get the coverages you want. Just enter your zip code and answer a few simple questions.

Types of Medicare Plans Available

Original Medicare, Medicare Advantage, Medicare Cost Plans (only offered in certain areas), Demonstration/Pilot Programs (also called Research Studies; only offered in certain areas) and Programs of All-Inclusive Care for the Elderly (PACE).

How Do I Qualify for Medicare?

To qualify for Medicare you must be a citizen of the U.S. or have been a legal resident for at least five years. If you are age 65 or older and you/your spouse have worked for at least 10 years (40 quarters) or you have a disability, Amyotrophic Lateral Sclerosis (ALS) or end-stage renal disease (ESRD), you most likely qualify for Medicare.

How Can I Save on Medicare in Wyoming?

You can save on Medicare by signing up for Part B as soon as you’re eligible. People who enroll late must pay a penalty every year. If you’re interested in buying Medicare Advantage, you can shop and compare Medicare plans for the best value.


Wyoming State Health System Ranking

Ever wonder how your state stacks up when it comes to quality healthcare? The Commonwealth Fund published a report in 2019 on State Health System Performance. They took into consideration the access to quality care, health outcomes, and disparities in all 50 states. The scores for the Wyoming Health System is listed below:

  • Wyoming: Overall State Ranking: 37 of 50
  • Wyoming: Overall Performance: Worse than Average
  • Wyoming: Access & Affordability: 48
  • Wyoming: Prevention & Treatment: 50
  • Wyoming: Avoidable Hospital Use & Cost: 18
  • Wyoming: Healthy Lives: 23
  • Wyoming: Health Care Disparities: 37
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Wyoming Health Insurance Coverage

The people of Wyoming have different kinds of health insurance while some residents are not insured at all. See the breakdown below:

  • Private coverage: 57.9%
  • Medicaid: 7.1%
  • Medicare: 18%
  • Uninsured: 17.1%

Report: America's Health Insurance Plans

Wyoming Health Insurance Companies

The following carriers offer health insurance and/or medicare in Wyoming.

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