Finding health insurance in Wyoming is a painless process. Affordable Care Act (ACA) Marketplace plans are available through healthcare.gov, where you can quickly see if you qualify for a subsidy to pay your premiums and browse plan options. Wyoming has joined other states in extending the Special Enrollment Period for coverage to August 15 due to COVID-19. You may still qualify for a special enrollment period to enroll any time after August 15th, 2021, if you have had a qualifying life event.
Highlights and Updates
- Wyoming uses the federally-run health insurance marketplace. Residents enroll through www.healthcare.gov.
- The 2021 Benefits Special Enrolment Period is from February 15 to August 15.
- Short-term health insurance for up to 36 months is available in Wyoming.
- Wyoming has an average benchmark premium of $791 for 2021 — the highest benchmark premium in the country.
- For 2021, Wyoming has two health insurance company options on the marketplace, which are Mountain Health CO-OP and Blue Cross Blue Shield of Wyoming.
How To Buy Health Insurance in Wyoming
To purchase coverage through the Health Insurance Marketplace, simply visit healthcare.gov. You can enroll in a plan during the open enrollment, a Special Enrollment Period (like the one ending on August 15), or if you have a qualifying event. If you are eligible for coverage that meets the minimum standards through your employer, you will not be eligible for a premium subsidy for a marketplace plan. Low-income individuals may qualify for Medicaid, and children may qualify for KidCare CHIP coverage, both of which are free.
How To Apply for Health Insurance in Wyoming
To apply for health insurance in Wyoming, visit healthcare.gov and complete an application. The application will ask questions about your income and family, and you will need to submit proof of income to enroll in a plan. All of the available plan options must cover the Essential Health Benefits.
Health Insurance Carriers in Wyoming
Wyoming has two health insurance companies in the federal marketplace: Blue Cross Blue Shield of Wyoming and Mountain Health CO-OP.
What Are the Cheapest Health Insurance Companies in Wyoming?
Blue Cross Blue Shield of Wyoming offers the four cheapest health insurance plans on the marketplace and has the least expensive options across each coverage tier.
How Has Obamacare Helped Wyoming’s Uninsured?
Wyoming’s uninsured rate was 13.4% of the population in 2013. In 2018, the uninsured rate was 10.5%. While the state has seen some reduction in individuals without coverage, the decision not to expand Medicaid coupled with the state’s high premiums has kept insurance unaffordable for many residents.
Wyoming Health Insurance Costs Overview
There are three main metal tiers for health insurance in Wyoming: Bronze, Silver, and Gold.
How Much Does Health Insurance Cost in Wyoming?
At an average benchmark premium of $791 for 2021, Wyoming is the most expensive state for health insurance.
What Is the Cheapest Health Insurance Plan in Wyoming?
The cheapest plan for Wyoming residents is the BlueSelect Bronze Basic plan for $457.44 per month for a 35-year-old. The plan has a yearly deductible of $8550. Your premium may be significantly less if you qualify for a tax credit premium subsidy.
Cheapest Wyoming Health Insurance Coverage by Metal Tier
The BlueSelect Gold Core plan is the least expensive Gold plan. It features a $1500 deductible and an out-of-pocket maximum of $7000. The plan premium is $568.02 a month.
BlueSelect Silver Balance is the cheapest Silver plan, with a premium of $696.11. The deductible is $6000, and the out-of-pocket maximum is $8,550. NOTE: This plan is more expensive than several Gold plan options with much lower deductibles.
The most affordable Bronze plan option is the BlueSelect Bronze Basic plan for $457.44. The plan has a deductible of $8550 and an out-of-pocket maximum of $8550.
Wyoming Health Insurance Costs by Occupation
What Is the Average Cost of Health Insurance for a Student in Wyoming?
Students in Wyoming have the option to enroll in coverage through their university, remain on a parent’s health coverage until they turn 26, or enroll in a marketplace plan. Costs vary, but staying on a parent’s coverage is generally the least expensive option.
What Is the Average Cost of Health Insurance for the Self-Employed in Wyoming?
Self-employed persons can enroll in an individual marketplace plan at the standard rates.
What Is the Average Cost of Health Insurance for Small Business Owners in Wyoming?
Wyoming small business owners with 1-50 employees can purchase health insurance for them through SHOP, the Small Business Health Options Program. Costs for these plans vary based on plan and employee age.
Wyoming Health Insurance Costs by Number of Participants
What Is the Average Cost of Health Insurance for Families in Wyoming?
Costs vary with age and plan selection. An average plan for a family of four would be approximately $1910 per month. This amount is the total premium; if your family qualifies for subsidies, the amount you pay could be substantially less. Many children are eligible for coverage under Medicaid or Kid Care CHIP at no cost, so they would not need to be included in the plan.
What Is the Average Cost of Health Insurance for Individuals in Wyoming?
The coverage benchmark for Wyoming is $791. That amount does not include any premium subsidies. For individuals who qualify for subsidies, the premium they pay may be substantially less.
What Is the Average Cost of Health Insurance for a Child in Wyoming?
Children in Wyoming are eligible for Medicaid if their family income is below a certain amount. Children not eligible for Medicaid may qualify for coverage through Kid Care CHIP, which offers free dental and health coverage for children up to age 19. For more information about eligibility or to apply for these programs, visit the Wyoming Department of Health.
Other Types of Wyoming Health Insurance Coverage
Catastrophic Health Insurance in Wyoming
Wyoming has catastrophic health plans available. Catastrophic plans offer low premiums and high deductibles, and they are only offered to applicants under the age of 30. If you qualify for premium subsidies, other plan options may be equally affordable.
Short-Term or Temporary Health Insurance in Wyoming
Short-term health insurance is available in Wyoming for up to 36 months. If enrolling in a short-term plan, be advised they are not required to meet the federal minimum standards set forth by the ACA. Short-term plans may exclude pre-existing conditions, preventive care coverage, or entire coverage categories like prescriptions or mental health.
Low-Income Health Insurance in Wyoming
Wyoming Medicaid offers coverage for low-income children and families. Since Wyoming is one of 12 states that did not expand Medicaid eligibility with the ACA, some residents may have incomes too high to qualify for Medicaid but too low to qualify for premium subsidies for marketplace plans. To see if you are eligible for Wyoming Medicaid, visit the Wyoming Department of Health.