Updated: November 21, 2024
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Best Health InsuranceWyomingBest Health Insurance in Wyoming
Why Trust MoneyGeek? We downloaded plan data for Wyoming directly from the Centers for Medicare & Medicaid Services (CMS). MoneyGeek’s scoring methodology balances costs, claims approval and plan types to find the best providers in the state.
Plan data was updated with the CMS exchange data released in October for the 2023 enrollment period.
Mountain Health CO-OP has the highest MoneyGeek score in Wyoming, offering the best health insurance with a score of 100 out of 100. Mountain Health CO-OP provides plans with competitive prices. The company also ensures customers have low out-of-pocket costs. They have a record of not denying claims more than other companies do.
For our analysis in Wyoming, we looked at 11 Silver PPO plans.
Affordable premium rates
Low out-of-pocket costs
Rarely denies claims
Offers a variety of plan types
Mountain Health CO-OP is MoneyGeek's top choice for health insurance in Wyoming. They offer four Silver PPO plans with an average monthly cost of $692. The average maximum out-of-pocket cost is $7,610 for these plans.
Mountain Health CO-OP provides Silver PPO plans. PPO plans usually have more coverage for services outside the network. This might be helpful if you see doctors who are not in the plan's network. They offer an average plan rate of $692 and the average maximum out-of-pocket cost for these plans is $7,610. Mountain Health CO-OP has a denial rate of 5%, which is lower than most of the competition.
Plan Recommendations
MoneyGeek recommends the following Silver plans:
Mountain Health CO-OP has the best health insurance in Wyoming for low out-of-pocket costs, with a MoneyGeek score of 80 out of 100. The company provides plans with low out-of-pocket costs and fewer denials than average. MoneyGeek looked at 10 Gold PPO plans in Wyoming for this analysis.
Very few claims denial
Low out-of-pocket maximum costs
Diverse plan offerings
MoneyGeek's top pick for the best health insurance in Wyoming for low out-of-pocket costs is Mountain Health CO-OP. They offer five Gold PPO plans. PPO plans typically have more out-of-network coverage, giving more choices for doctors and hospitals.
They offer an average plan rate of $762 and the average maximum out of pocket cost for these plans is $5,336. Mountain Health CO-OP has a 4.81% denial rate, a lower denial rate than most of the competition.
Plan Recommendations
MoneyGeek recommends the following Gold and Platinum plans:
Mountain Health CO-OP is the best cheap health insurance provider in Wyoming, earning a score of 100 out of 100.
Mountain Health CO-OP offers more affordable plan options, has lower average out-of-pocket costs and denies fewer claims than most other providers. MoneyGeek evaluated 11 Silver PPO plans in Wyoming for this category. They focused on plans with lower monthly premiums but noted that plans with lower premiums often have higher out-of-pocket costs.
Favorable premium rates
Minimal out-of-pocket costs
Infrequent denial of claims
Extensive selection of plan types
MoneyGeek's top pick for the best cheap health insurance in Wyoming is Mountain Health CO-OP. This company has four Silver plans. These Silver plans are designed to help people with health care costs.
Mountain Health CO-OP offers Silver PPO plans. PPO plans often let you see doctors outside the network. They offer an average plan rate of $720 and the average maximum out of pocket cost for these plans is $7,610. Mountain Health CO-OP has a denial rate of 4.8%, which is lower than most of the competition.
Plan Recommendations
MoneyGeek recommends the following cheap Silver plans:
Blue Cross Blue Shield offers the best health insurance in Wyoming for those with low income, scoring 60 out of 100. Blue Cross Blue Shield has low premium rates and offers a variety of plan options. In Wyoming, we evaluated 9 Silver PPO plans.
MoneyGeek focused on plans with low monthly premiums that include cost-sharing reductions (CSRs) to pick the top health insurance plan for people earning a smaller income. CSRs help you pay less when you see the doctor or get medicine if you make a certain amount of money. Most Silver plans usually pay for 70% of your health care costs. But with CSRs, how much a plan pays can change based on how much money you earn each year:
These income levels may be different if more people live in your house.
Low premium rates
Offers a variety of plan types
High out-of-pocket costs
Frequent claim denials
MoneyGeek's top pick for the best health insurance in Wyoming for those with low income is Blue Cross Blue Shield. It offers cost-effective plans for people earning below 250% of the federal poverty level. Blue Cross Blue Shield has seven Silver CSR plans available at an average rate of $809 per month with an average MOOP cost of $7364.
The provider does not offer PPO or POS plans, but EPO plans can provide lower monthly premiums. The company denies claims more frequently than competitors. Blue Cross Blue Shield's top-rated plan offers lower out-of-pocket expenses for the same premium for people in different income brackets.
Plan Recommendations
Here are some of the lower overall out-of-pocket costs based on income levels:
Blue Cross Blue Shield provides the best health insurance in Wyoming for young adults, with a MoneyGeek score of 70 out of 100.
The provider has plans that are among the most affordable, has some of the lowest out-of-pocket costs and is better than average at not denying claims. Only individuals under the age of 30 can get Catastrophic coverage. We evaluated three Bronze PPO plans and five Expanded Bronze PPO plans for this category.
Affordable premium rates
Low out-of-pocket maximum costs
Few claims denied
Wide variety of plan types
Denies more claims than average
MoneyGeek's top pick for the best health insurance in Wyoming for young adults is Blue Cross Blue Shield. The insurer offers three Bronze plans and two Expanded Bronze plans for those who prefer lower premiums and typically need fewer medical services because they're in good health.
Blue Cross Blue Shield provides PPO plans, which are appealing for their out-of-network coverage options, giving you more choice in where you get your medical care. They have an average plan rate of $434 and the average maximum out-of-pocket cost for these plans is $8,770.
Blue Cross Blue Shield has a 17% denial rate, which is lower than most of the competition, suggesting your claims are more likely to be accepted.
Plan Recommendations
MoneyGeek recommends the following plans for young adults:
Health insurance companies offer different plan types. The best providers for all plan categories are:
Silver plans were the only ones considered for these recommendations. These plans often have a good balance between the monthly cost and what you pay when you get care. Silver plans work well for people who go to the doctor or need medicines often. In Wyoming, there are 11 Silver PPO plans available.
MoneyGeek's top pick for the best health insurance in Wyoming for Silver PPO plans is Mountain Health CO-OP. They offer four Silver PPO plans. These plans have an average plan rate of $720 and the average maximum out of pocket cost is $7,610. The company has a denial rate of around 4.8%, which means they deny fewer claims than average.
PPO plans like these give people the freedom to choose their doctors without needing a referral for specialists. They can be more costly than other plans but provide a wider network of providers. This makes them good for people who want more choices and are okay with paying extra.
Plan Recommendations
We suggest the following Silver PPO plans from Mountain Health CO-OP:
National General Accident & Health offers the best short-term health insurance in Wyoming, with a MoneyGeek score of 85 out of 100. Unlike long-term health plans, short-term health insurance is not required to cover essential health benefits, so it is not recommended as a permanent solution for your health care needs.
National General Accident and Health stands out because it offers a wide range of plan options to accommodate various health care demands. For high-risk patients, the company offers plans with modest co-insurance and out-of-pocket expenses. Plans can have durations of three months to three years and offer several options for cost-sharing and prescription drug coverage.
Your budget and medical needs — including how much you're willing to spend each month versus when you receive care — will determine which health insurance provider in Wyoming is right for you. The following pointers can be useful when planning to get health insurance.
Understand when a health insurance plan will cover you
Health insurance helps pay for doctor visits. In-network means doctors work with your plan. Out-of-network doctors do not have this deal. Some plans let you see any doctor. Others limit choices to in-network doctors to help save money.
Some insurance plans in Wyoming offer different ways to see doctors. You can choose a plan that lets you see more doctors but might cost more. Or you can go with a cheaper plan with fewer doctor choices. In Wyoming, there are 11 PPO health insurance plans.
Weigh the cost of premiums vs. the cost of care
You need to think about balancing monthly costs and the most you might have to pay if you get sick or hurt. Some plans cost less each month, but if you get medical care often you might pay more later. Paying more each month could mean you pay less later if you need a lot of medical care.
The Silver plan with the lowest MOOP is the HIGH PLAINS SILVER HDHP, which has a MOOP of $5,500. Its monthly cost is $692. This is less than the High Plains Silver Standard plan that costs $846 a month but has a MOOP of $9,100. Plans with low monthly costs and a low MOOP are good if you can get the care you need.
If you are looking for the best affordable health insurance in Wyoming, Medicare or Medicaid are good options for those who are eligible. If you are over 65 years or have a qualifying disability, you may qualify for Medicare coverage. Medicare offers hospitalization and medical insurance benefits as well as optional plans for prescription drug coverage.
For low-income individuals or those with qualifying disabilities, Medicaid is also a good option for affordable health insurance in Wyoming. Medicaid covers the cost of preventive and long-term care, provided you meet the eligibility requirements.
Finding an ideal health insurance plan can be complicated due to concerns about price and availability. MoneyGeek answers some frequently asked questions to help you research options.
The best health insurance in Wyoming for 2024 is provided by Mountain Health CO-OP. However, the best choice for you will depend on your unique circumstances and needs.
A plan with reasonable prices and sufficient coverage is what you should be looking for. Despite offering reduced prices, some plans and companies might only offer a few services that may not suit all your medical needs. Your unique needs will determine what the best health insurance plan for you is.
About Mark Fitzpatrick
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.
Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.
