Best Health InsuranceWyomingBest Wyoming Health Insurance (2023 Plans)
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Best Health InsuranceWyomingBest Health Insurance in Wyoming
Best Overall in Wyoming - Mountain Health CO-OP
Best for Low MOOP - Mountain Health CO-OP
Best Cheap - Mountain Health CO-OP
Best for Low Income - Mountain Health CO-OP
Best for Young Adults - Mountain Health CO-OP
Best for PPO - Mountain Health CO-OP
Best Short-Term Insurance - National General Accident & Health
Best Overall for Health Insurance in Wyoming
The best health insurance in Wyoming is offered by Mountain Health CO-OP, which received a perfect MoneyGeek score of 100 out of 100. This provider has the highest affordability ratings, the lowest MOOP in the comparison group and better-than-average claim denial scores.
For this analysis, MoneyGeek analyzed 11 Silver PPO plans to rank the best health insurance in Wyoming.
MoneyGeek Pick: Mountain Health CO-OP
pros
Approves most claims
Low average MOOP
Low premiums
Several plan types available
cons
None
COMPANY HIGHLIGHTS
Mountain Health CO-OP is MoneyGeek’s top pick for the best health insurance in Wyoming. This provider offers four Silver PPO plans at an average cost of $647 per month. PPO plans tend to be more costly than HMO plans, but they offer a wider provider network and more out-of-network coverage, making them ideal if you are looking for a flexible health plan.
Among providers in the comparison group, Mountain Health CO-OP has the lowest MOOP costs at an average of $7,165. This insurer has the lowest denial rate among the comparison group at 5.65%. This means that this provider is more likely than other insurance companies to approve claims.
Plan Recommendations
MoneyGeek recommends the following plans if you are looking for the best private health insurance in Wyoming:
- High Plains SG Silver WY HD: $614 per month (MOOP $5,000)
- High Plains SG Silver WY: $601 per month (MOOP $8,550)
- High Plains Ind Silver WY: $801 per month (MOOP $8,550)
Best Health Insurance in Wyoming for Low Out-of-Pocket Costs
Mountain Health CO-OP is the best health insurance provider for low out-of-pocket costs in Wyoming, with a perfect MoneyGeek score of 100 out of 100. This provider has the lowest MOOP on average in the comparison group and rates highly for affordability. Mountain Health CO-OP also rates highly for claims, with a better-than-average denial score compared to other insurers in the comparison group.
For this category, MoneyGeek analyzed eight Gold PPO plans to rank the best providers in Wyoming.
MoneyGeek Pick: Mountain Health CO-OP
pros
Low average MOOP
Ranks first for affordability
Ranks first for claims acceptance
cons
None
COMPANY HIGHLIGHTS
Mountain Health CO-OP offers three Gold PPO plans in Wyoming. The average cost of a Gold plan is $680 per month, with an average MOOP of $6,783. Mountain Health offers PPO plans, which have a wider network than HMO plans and do not require members to have a referral before seeing a specialist. PPO plans also offer more flexibility since they tend to have more out-of-network coverage. Among insurers in the comparison group, Mountain Health ranks first for claims with the lowest denial rate of 5.65%. This means that this provider is the least likely to deny claims among the insurers that were analyzed.
Plan Recommendations
MoneyGeek recommends these plans if you are looking for the best health insurance in Wyoming for low out-of-pocket costs:
- High Plains SG Gold WY: $664 per month (MOOP $6,500)
- High Plains Ind Gold WY: $718 per month (MOOP $6,000)
- High Plains Ind Gold Standard WY: $708 per month (MOOP $8,700)
Best Cheap Health Insurance in Wyoming
Mountain Health CO-OP is the best affordable health insurance in Wyoming, with a perfect MoneyGeek score of 100 out of 100. To find the best cheap health insurance in Wyoming, MoneyGeek ranked providers based on average monthly premiums. However, plans with low monthly premiums tend to have higher out-of-pocket costs.
For this category, we analyzed 11 Silver PPO plans to rank the most affordable plans.
MoneyGeek Pick: Mountain Health CO-OP
pros
Ranks first for affordability
Approves most claims
Low average MOOP
cons
None
COMPANY HIGHLIGHTS
Moneygeek’s analysis found that Mountain Health CO-OP offers the best cheap health insurance in Wyoming. Mountain Health Silver plans cost an average of $647 per month, with average MOOP costs of $7,165. This provider offers four Silver PPO plans, which tend to cost more than HMO plans but offer more network flexibility.
Apart from affordability, Mountain Health CO-OP also stands out for having a better-than-average claims record. It has the lowest denial rate among insurers in the comparison group, meaning it has a good track record of paying claims.
Plan Recommendations
MoneyGeek recommends the following plans if you are looking for cheap health insurance in Wyoming:
- High Plains SG Silver WY HD: $614 per month (MOOP $5,000)
- High Plains SG Silver WY: $602 per month (MOOP $8,550)
- High Plains Ind Silver WY: $801 per month (MOOP $8,550)
Best Health Insurance for Low Income in Wyoming
The best health insurance for low income in Wyoming is Mountain Health CO-OP, with a MoneyGeek score of 100 out of 100.
For this category, MoneyGeek evaluated plans based on low monthly premiums and only included plans that have cost-sharing reductions (CSRs). CSRs lower your MOOP and deductible if you are in an eligible income bracket, which helps to keep your out-of-pocket costs low.
A standard Silver plan covers 70% of expected health care costs, but CSR Silver plans cover a different percentage.
- Individuals with incomes between $27,180 and $33,975 per year (201%–250% of the federal poverty level) can expect 73% of health insurance costs covered.
- Individuals with incomes between $20,385 and $27,180 per year (151%–200% of the FPL) can expect to have 87% of their costs covered.
- Individuals with an income of less than $20,385 per year (up to 150% of the FPL) can expect to have 94% of costs covered.
Income brackets may vary depending on the number of people in a household.
MoneyGeek rated nine CSR Silver PPO plans for this category to identify the best low-income plans.
MoneyGeek Pick: Mountain Health CO-OP
pros
Affordable premiums
Low claims denial rate
Lowest average MOOP in the comparison group
cons
None
COMPANY HIGHLIGHTS
If your income falls below 250% of the federal poverty level (FPL), Mountain Health CO-OP offers the best affordable health insurance in Wyoming. This provider ranks first for affordability, with plans that cost an average of $802 per month and average MOOP costs of $7,100.
Mountain Health CO-OP offers two Silver low-income PPO plans. PPO plans typically have a wider provider network and better out-of-network coverage than HMO plans. This insurer has an average denial rate of 5.65%, making it the best for claims approval in the comparison group.
Plan Recommendations
High Plains Ind Silver WY is the top-ranking Mountain Health Silver low-income PPO plan. Premiums for this plan are consistent among income brackets, but your MOOP costs vary depending on your income level.
- 201%–250% of the FPL: $801 per month (MOOP $7,000)
- 151%–200% of the FPL: $801 per month (MOOP $2,900)
- Up to 150% of the FPL: $801 per month (MOOP $900)
Best Health Insurance for Young Adults in Wyoming
The best health insurance for young adults in Wyoming is Mountain Health CO-OP, with a perfect MoneyGeek score of 100 out of 100.
For this category, MoneyGeek analyzed providers that offer Bronze plans, which typically have low monthly premiums but higher out-of-pocket costs. In many states, Catastrophic plans are available to young adults under the age of 30, but these are not offered in Wyoming.
To find the best plans for young adults, we analyzed four Bronze PPO plans and six Expanded Bronze PPO plans.
MoneyGeek Pick: Mountain Health CO-OP
pros
Ranks first for claims acceptance
Low average MOOP
Ranks first for affordability
Several plan options available
cons
None
COMPANY HIGHLIGHTS
Mountain Health CO-OP Bronze PPO plans for young adults cost an average of $438 per month for 26-year-olds or $391 per month for 18-year-olds, with average MOOP costs of $8,107. Mountain Health CO-OP offers four Expanded Bronze PPO plans in Wyoming.
Among providers in the comparison group, Mountain Health CO-OP has the lowest claims denial rate at 5.65%, meaning they have the best track record of paying claims.
Plan Recommendations
Moneygeek’s top recommendations for Mountain Health CO-OP young adult plans are:
- High Plains SG Bronze WY: $370 per month for 18-year-olds and $415 per month for 26-year-olds (MOOP $8,150)
- High Plains Ind Bronze WY HD: $427 per month for 18-year-olds and $478 per month for 26-year-olds (MOOP $7,000)
- High Plains Ind Bronze WY Expanded: $409 per month for 18-year-olds and $459 per month for 26-year-olds (MOOP $8,150)
Best Health Insurance by Plan Type in Wyoming
Providers tend to offer different plan types, but availability can vary depending on your location and provider. However, only PPO plans are available in this state. The best overall health insurance provider in Wyoming for the available plan type is:
- PPO: Mountain Health CO-OP; MoneyGeek score of 100 out of 100.
For this category, MoneyGeek limited recommendations to Silver plans, which tend to balance premiums and out-of-pocket costs. In Wyoming, there are 11 PPO Silver plans.
MoneyGeek Pick for PPO: Mountain Health CO-OP
COMPANY HIGHLIGHTS
The best PPO health insurance in Wyoming is offered by Mountain Health CO-OP at an average of $647 per month, with average MOOP costs of $7,165. PPO plans tend to have a wider provider network and offer better out-of-network coverage compared to HMO plans.
Mountain Health CO-OP ranks first for claims acceptance, with the lowest denial rates in the comparison group.
Plan Recommendations
The best Mountain Health CO-OP PPO plans are:
- High Plains SG Silver WY HD: $614 per month (MOOP $5,000)
- High Plains SG Silver WY: $602 per month (MOOP $8,550)
Best Short-Term Health Insurance in Wyoming
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 & Health
If you are looking for short-term insurance that offers the best cost and plan choices for different prescription needs, National General Accident & Health is the best provider in Wyoming. This provider is a good option if you are looking for a short-term plan with flexible coverage options. Application fees tend to be low, but waiting periods can be long.
How to Find the Best Health Insurance for You in Wyoming
The best health insurance in Wyoming for you will depend on your health care needs and budget. When shopping for health insurance, keep the following considerations in mind.
Understand when a health insurance plan will cover you
In Wyoming, you can choose from 29 PPO plans with different levels of coverage, premiums and MOOP costs. PPO plans offer a wider network of providers and out-of-network coverage than HMO plans. However, the trade-off is that premiums tend to be higher. In Wyoming, only PPO plans are available.
Weigh the cost of premiums vs. the cost of care
Plans with the lowest monthly premiums typically have higher out-of-pocket costs. For instance, High Plains SG Silver WY from Mountain Health CO-OP has an average monthly premium of $602 and an average MOOP of $8,500. On the other hand, the High Plains SG Silver WY HD plan costs $614 per month but with a much lower average MOOP of $5,000.
Consider Wyoming Medicare or Medicaid if You’re Eligible
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.
Frequently Asked Questions About Health Insurance in Wyoming
When shopping for the best health insurance in Wyoming, it is normal to have questions about costs and availability. We answered frequently asked questions to help you learn more.
About Brenna Kelly, Licensed Health Insurance Agent
