Wyoming Health Insurance Exchange: A Guide to Plans and Providers

Wyoming's health insurance exchange offers a range of plans from several providers, including Blue Cross Blue Shield of Wyoming, PacificSource Health Plans, and Rocky Mountain Health Plans.

You can choose from several plan types, including catastrophic plans, bronze, silver, gold, and platinum plans, each with varying levels of coverage and cost-sharing.

The Wyoming Health Insurance Exchange website allows you to compare plans and prices side-by-side, making it easier to find the best option for your needs and budget.

To enroll in a plan, you'll need to create an account on the exchange website and provide some basic information, including your age, income, and family size.

In Wyoming, you can enroll in private plans through the health insurance Marketplace. During the 2025 open enrollment period, 46,643 people enrolled in private plans, a new record high.

Open enrollment for the federal ACA Marketplace in Wyoming is from November 1 to December 15 of each year. This allows you to purchase a plan for the upcoming year.

Wyoming's health insurance Marketplace has certified individual and family dental plans from three insurers. You can purchase stand-alone dental plans for children and adults through the Marketplace.

The American Rescue Plan and the Inflation Reduction Act contributed to the surge in enrollment in recent years. The ARP made ACA's premium subsidies more substantial, making health insurance more affordable for many Wyoming residents.

To enroll outside of open enrollment, you'll need a qualifying life event. This might include getting married, having a baby, or losing your current health insurance.

The unwinding of the pandemic-era Medicaid continuous coverage rule also drove enrollment in 2024 and 2025. This rule change allowed 5,864 Wyoming residents to transition from Medicaid to a Marketplace plan.

In Wyoming, Marketplace health insurance premiums have been increasing over the years, but the rate of change varies. In 2025, proposed average rate changes for Wyoming's Marketplace insurers range from 9.91% to 10.11% before subsidies are applied.

Most enrollees in Wyoming's exchange receive premium subsidies, which offset the majority of the cost of their coverage. For adults purchasing stand-alone dental coverage, premiums in 2025 range from $12 to $51 per month.

The average subsidy savings for Wyoming residents enrolled in plans through the Marketplace is $864/month, which brings the average net premium down to just $108/month. This is a significant reduction in cost, making health insurance more affordable for many residents.

Marketplace health insurance premiums in Wyoming have been increasing over the years, with an average increase of 5% in 2015 and 6% in 2016.

The average rate change for 2025 in Wyoming is 9.91% for Blue Cross Blue Shield of Wyoming and 10.11% for Mountain Health CO-OP/Montana Health CO-OP.

Most enrollees in Wyoming's exchange receive premium subsidies, which offset the majority of the cost of their coverage.

The average pre-subsidy premiums in Wyoming's individual/family health insurance market have changed significantly over the years, with a 55% increase in 2018 largely due to the elimination of federal funding for CSR.

Here's a summary of how average pre-subsidy premiums have changed over the years in Wyoming's individual/family health insurance market:

Wyoming's health insurance premiums have been on the rise, with an average increase of 9.91% proposed by Blue Cross Blue Shield of Wyoming for 2025.

The proposed rates for the state's Marketplace insurers show a range of increases, with Mountain Health CO-OP/Montana Health CO-OP proposing a 10.11% increase.

UnitedHealthcare is new to the Wyoming Marketplace for 2025, but its proposed rate is not yet available.

Most enrollees in Wyoming's exchange receive premium subsidies, which offset the majority of the cost of their coverage.

Here's a summary of how average pre-subsidy premiums have changed over the years in Wyoming's individual/family health insurance market:

The average subsidy savings for Wyoming residents enrolled in plans through the Marketplace was $864/month in 2024, bringing the average net premium down to just $108/month.

In Wyoming, you can find stand-alone dental insurance options that cover adults and children.

If you have a pre-existing condition, you'll need to choose a health insurance plan that covers it.

You can compare premiums and deductibles of different plans to find one that fits your budget.

Make sure your preferred doctor or hospital is in the plan's network to avoid any hassle.

You can also find dental insurance options through the Marketplace in Wyoming.

By considering your health needs, budget, and network, you can find a suitable health insurance plan in Wyoming.

Wyoming has several options for health insurance, and I'll highlight a few key ones. The Wyoming Medicaid program is available to low-income residents, offering affordable coverage.

If you're looking for more comprehensive options, you can explore the Wyoming Dental Association, which provides resources for dental care, including information on low-cost clinics.

If you're interested in exploring other insurance options, you can visit HealthCare.gov, the official website for the Health Insurance Marketplace.

Here are some dental resources available in Wyoming:

If you're a Wyoming resident looking for health insurance resources, there are several options available to you. The Wyoming State Exchange Profile provides an overview of the state's progress in creating a health insurance exchange.

Wyoming residents can access health insurance through the Affordable Care Act (ACA) Marketplace, which offers plans for individuals and families without employer-sponsored insurance. To qualify for coverage, you must be a Wyoming resident, a U.S. citizen or national (or lawfully present), and not incarcerated.

You can also explore the Wyoming Dental Association, which provides resources for dental care. If you're in need of affordable dental care, you can check out the list of free or low-cost dental clinics in Wyoming.

Here are some resources to consider:

To get started with the Wyoming Health Insurance Marketplace, you'll need to meet the eligibility requirements, which include being a Wyoming resident, a U.S. citizen or national (or lawfully present), and not enrolled in Medicare. You must also not have access to affordable health coverage through your employer or be eligible for Medicaid or CHIP.

Short-term coverage in Wyoming is available, but it's essential to understand the state regulations regarding its sale. New 2025 Individual Exchange plans and prior authorization information can be found on the UnitedHealthcare website.

Short-term plans are not a substitute for major medical insurance, and they often have limited benefits and high out-of-pocket costs. In Wyoming, short-term plans are subject to state regulations, which may impact their availability and pricing.

If you're considering short-term coverage, it's crucial to review the plan's details and understand what's covered and what's not. UnitedHealthcare's website provides information on their 2025 plans, including prior authorization requirements.

Short-term plans typically have a limited duration, usually up to 12 months, and can be renewed for up to 36 months. However, after this period, you'll need to reapply for coverage.

Here's a summary of the key points to consider when evaluating short-term coverage in Wyoming:

Remember to carefully review the plan's details and understand the implications of short-term coverage before making a decision.

Wyoming has three insurers that offer stand-alone individual/family dental coverage through the health insurance marketplace: BEST Life, EMI Health, and Renaissance Dental.

These plans can be purchased through HealthCare.gov during open enrollment or during a special enrollment period triggered by a qualifying life event.

To find plans in your area, search online for dental discount plans and the state you are looking to buy a plan in.

The proposed average rate changes for 2025 in Wyoming are as follows: Blue Cross Blue Shield of Wyoming has a 9.91% increase, Mountain Health CO-OP/Montana Health CO-OP has a 10.11% increase, and UnitedHealthcare has a new rate for 2025.

Most enrollees in Wyoming's exchange receive premium subsidies, which offset the majority of the cost of their coverage.

Here are the insurers that offer health insurance plans through the Wyoming marketplace:

Wyoming uses the federally facilitated health insurance Marketplace HealthCare.gov for the sale of certified individual/family dental plans.

Medicaid and the Children's Health Insurance Program (CHIP) provide health insurance to low-income individuals and families in Wyoming.

Medicaid is a joint federal-state program that covers over 70 million people nationwide, including many low-income children, pregnant women, and people with disabilities in Wyoming.

In Wyoming, Medicaid covers services such as doctor visits, hospital stays, lab tests, and prescription drugs.

The Wyoming Medicaid program also provides long-term care services, such as nursing home care and home health care, for eligible individuals.

In 2020, over 90,000 people in Wyoming were enrolled in Medicaid, making up about 20% of the state's population.

The CHIP program in Wyoming provides health insurance to children from low-income families who do not qualify for Medicaid but still cannot afford private insurance.

In Wyoming, CHIP coverage is available to children under the age of 19 whose family income is at or below 213% of the federal poverty level.

Wyoming's health insurance Marketplace offers plans for individuals and families who don't have access to employer-sponsored health insurance. The Marketplace is facilitated by the federal government, and plans are reviewed by the federal government rather than state regulators.

To qualify for health coverage through the Wyoming Marketplace, you must be a Wyoming resident, a U.S. citizen or national, or lawfully present, and not be incarcerated or enrolled in Medicare. You must also not have access to affordable health coverage through your employer, unless you feel it's too expensive and you might qualify for premium subsidies.

The Wyoming Marketplace has certified individual and family dental plans from three insurers, and not all insurers who offer medical plans through the exchange embed dental coverage in their health plans. However, stand-alone dental plans for children and adults are available for purchase via the Wyoming Marketplace.

In Wyoming, the Marketplace certifies individual and family plans, making it easier for residents to find affordable health insurance. These plans are certified to meet specific standards and requirements.

The Marketplace in Wyoming has certified individual and family dental plans from three insurers: BEST Life, EMI Health, and Renaissance Dental. These plans are not included with a medical plan and must be purchased separately.

You can purchase these stand-alone dental plans through HealthCare.gov during open enrollment or a special enrollment period triggered by a qualifying life event. Exchange-certified stand-alone dental plans are compliant with the ACA's rules for pediatric dental coverage.

Here are the three insurers that offer stand-alone individual/family dental coverage through the Wyoming Marketplace in 2025:

These plans can help you and your family access affordable dental care and meet your oral health needs.

In Wyoming, a record high of 46,643 people enrolled in private plans through the Wyoming ACA Marketplace during the open enrollment period for 2025 coverage.

This was the fifth year in a row of new record-high enrollment in Wyoming’s Marketplace. Overall nationwide Marketplace enrollment also set a new record high in 2025.

The American Rescue Plan made ACA’s premium subsidies more substantial, contributing to the surge in enrollment in recent years. Subsidies are larger and more widely available than they used to be, thanks to the American Rescue Plan and the Inflation Reduction Act.

5,864 Wyoming residents transitioned from Medicaid to a Marketplace plan during the year-long unwinding period of the pandemic-era Medicaid continuous coverage rule.

In Wyoming, you can sign up for an ACA-compliant individual or family health plan from November 1 to January 15, which is the annual open enrollment period. If you need your coverage to start on January 1, you must apply by December 15.

You can find out if you qualify for comprehensive and affordable health insurance by contacting Enroll Wyoming.

Enroll Wyoming is a nonprofit that provides free assistance to explore health options, and their Navigators don't have sales incentives or quotas, so you can trust the information you receive.

To connect with an Enroll Wyoming Navigator, you can call 211 and ask for a health insurance Navigator, or visit www.healthcare.gov/screener to find out if you qualify.

People may qualify for the Health Insurance Marketplace based on income or recent life-altering experiences, and you can find out if you qualify by talking to an Enroll Wyoming Navigator or visiting the website.

In Wyoming, you can sign up for an ACA-compliant individual or family health plan from November 1 to January 15, which is the annual open enrollment period.

If you need your coverage to start on January 1, you must apply by December 15.

Most special enrollment periods are triggered by a qualifying life event, such as giving birth or losing other health coverage.

You can enroll in an Off-Exchange plan at any time of the year, except for specific circumstances that require a qualifying life event.

Open Enrollment for the federal ACA Marketplace is from November 1, 2023 – December 15, 2023.

If you apply between December 16 and January 15, your coverage will begin on February 1.

To enroll outside of Open Enrollment, you will need a qualifying life event.

Contact Enroll Wyoming to find out if you qualify for affordable health insurance. You can access the Marketplace, where cost savings like tax credits make four out of five health plans as cheap as $50 a month.

Enroll Wyoming is a nonprofit that provides free assistance to explore health options. They have Navigators who provide detailed information so families and individuals can make the choices that best benefit their situations.

To connect with an Enroll Wyoming Navigator, call 211 and ask for a health insurance Navigator. It's as easy as that.

You may qualify for the Health Insurance Marketplace based on income or recent life-altering experiences like marriage, a new child joining the home, or losing health insurance.

If you're not happy with the options on the Wyoming Health Insurance Exchange, you can look into outside options.

You can also purchase a short-term health insurance plan, which can be a good option for those who are between jobs or waiting for their employer-sponsored plan to kick in.

These plans usually don't cover pre-existing conditions, so keep that in mind.