Best Short-Term Health Insurance in Wyoming (2024)

The best overall short-term health insurance in Wyoming is National General Accident & Health, as it combines affordability with coverage tailored to each buyer. Earning the same score of 85 out of 100 but ranking lower in affordability, Everest Reinsurance Company is considered the next best company in the state.

Coverage gaps may mean delaying preventive care, especially if you have specific health care needs. The National Center for Biotechnology Information (NCBI) on the Effects of Health Insurance on Health emphasizes that having health insurance is associated with more appropriate use of health care services. If you’re unemployed or missed open enrollment, you may need temporary health insurance coverage when your existing plan expires and before your new plan begins.

While relatively much cheaper, short-term health insurance should not replace your marketplace plans. Applying for subsidies can help you find a marketplace plan at an affordable price.

MoneyGeek evaluated Wyoming’s top companies for having the best combination of affordable out-of-pocket costs and flexible cost-sharing options.

The best overall short-term health insurance in Wyoming is National General Accident & Health, with a total score of 85 out of 100. Earning the same score, Everest Reinsurance Company is the next best option. This is followed by United Healthcare which scored 55 out of 100.

As the top choice, National General Accident & Health’s MOOP is $6,875. The second best, Everest Reinsurance Company, has a MOOP of $7,958, offering the highest number of plan options. UnitedHealthcare has the most expensive MOOP at $11,833.

Wyoming's cheapest short-term health insurance comes from National General Accident & Health, with a maximum out-of-pocket cost of $6,875. Health insurance with lower premiums translates to immediate savings, but it also usually means higher out-of-pocket costs when you submit a claim.

To find the most affordable health insurance, shoppers should explore the marketplace and inquire about employee-sponsored coverages. When looking for health insurance, consider affordability but specifically look for coverage that matches your health care needs.

When you change jobs, there might be gaps in your coverage. MoneyGeek looked at companies with cheaper-than-average monthly premiums and cost-sharing options to determine the most affordable options.

The companies that offer the best temporary health insurance between jobs are the following:

• Everest Reinsurance Company: $157 per month
• Companion Life Insurance Company: $141 per month
• UnitedHealthcare: $166 per month

Each of these companies offers average monthly health insurance premiums in the $150–170 range. Although more expensive than Companion Life Insurance Company, Everest Reinsurance Company ranked the highest as it has the most plan options for splitting coverage costs.

Short-term health insurance plans are short-term solutions when marketplace plans aren’t available to you. Wyoming residents can be on a plan for 364 days and renew for up to 36 months.

Note that temporary insurance plans are not compliant with the Affordable Care Act (ACA), unlike marketplace plans. They do not cover all injuries, illnesses, or preexisting and chronic conditions. You may also be unable to lower your premiums or out-of-pocket costs through tax credits and cost-sharing reductions.

MoneyGeek guides Wyoming shoppers by answering these frequently asked questions about short-term health insurance.