Best Medicare Advantage Plans in Wyoming (2027)

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Updated: October 17, 2026

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Best Medicare Advantage Companies in Wyoming

Humana and WyoBlue Advantage are the best Medicare Advantage companies in Wyoming, and your county decides which one you can buy. WyoBlue sells plans in all 23 counties. Humana covers nine. Everywhere else, WyoBlue is the only choice.

Where both carriers sell plans, Humana has the edge on cost. Its median maximum annual cost exposure is $7,000, $1,692 below WyoBlue’s $8,692. Cost exposure is the most a member pays yearly for premiums and in-network care. WyoBlue’s $0 Entrust PPO ties Humana’s lowest-cost plans at $6,750.

Humana also holds a 4-star rating from CMS, the federal agency that rates Medicare plans. Start by checking your county on Medicare Plan Finder.

Humana
4.3
$7,000
4
9
5
WyoBlue Advantage
4.2
$8,692
N/A
23
3

Wyoming Medicare Advantage Market Overview

Wyoming’s Medicare Advantage market has eight plans from two insurers. Every plan is a PPO, which covers doctors outside its network at a higher cost. Medicare Advantage plans are private plans that replace Original Medicare, the federal Part A and Part B program. Each caps yearly in-network costs with an out-of-pocket maximum.

Most Wyoming counties have three plans, all sold by WyoBlue Advantage. Three in four plans charge no premium, so the out-of-pocket maximum separates them more than price does. To keep Original Medicare and see any doctor who accepts it, add a Medigap policy to cover its deductibles and copays.

Non-SNP Medicare Advantage plans
8

Wyoming has 8 Medicare Advantage plans open to anyone with Medicare. The count excludes Special Needs Plans, which serve only specific groups. Your county narrows the list further.

Carriers
2

Wyoming has two Medicare Advantage insurers. Your plan choice is limited to what those two carriers each offer.

CMS contracts
3
Humana holds two Wyoming contracts and WyoBlue holds one. Benefits and star ratings differ by contract, even within the same carrier.
Median plans per county
3

The typical Wyoming county has three plans. Confirm which ones serve your address before comparing benefits.

Plans with a $0 premium
75%
Three in four Wyoming plans carry no monthly premium. Copays and out-of-pocket limits are the more useful comparison points.
Median max out-of-pocket (MOOP)
$7,075

Half of Wyoming plans cap yearly in-network costs at $7,075 or less.

MOOP range

$6,750–9,850

The plan you choose sets your out-of-pocket maximum. Wyoming plans set it between $6,750 and $9,850, a $3,100 difference.

Average CMS star rating
4.00 out of 5

Humana’s two rated contracts average 4.00 out of 5. WyoBlue Advantage’s contract is too new to have a rating.

Contracts rated 4+ stars
67%

Both Humana contracts hold a 4-star rating. WyoBlue Advantage’s contract is too new to have one.

Humana

Humana

MoneyGeek Rating
4.3/ 5
4.5/5Affordability
4.1/5Quality & Member Experience
4.3/5Benefits & Access

  • Median Max Annual Cost Exposure

    $7,000

  • Median CMS Star Rating

    4

  • Counties Served

    9

  • Plans Available

    5
WyoBlue Advantage

WyoBlue Advantage

MoneyGeek Rating
4.2/ 5
4.4/5Affordability
4/5Quality & Member Experience
4.3/5Benefits & Access

  • Median Max Annual Cost Exposure

    $8,692

  • Median CMS Star Rating

    N/A

  • Counties Served

    23

  • Plans Available

    3

How to Choose the Best Wyoming Medicare Advantage Plan

With two carriers and three plans in most Wyoming counties, the plan you pick matters more than the insurer. Match each plan’s network, copays and extra benefits to the care you use.

  1. 1
    Confirm Your Doctors and Hospitals Are In-Network

    All Wyoming Medicare Advantage plans are PPOs. A PPO plan allows access to any doctor or hospital that accepts Medicare, but in-network providers cost less and count toward your out-of-pocket maximum faster. Call your providers with the specific plan name to confirm their network status before enrolling.

  2. 2
    Compare Total Annual Costs Beyond the Premium

    Most Wyoming plans charge no monthly premium. Cost differences are in out-of-pocket maximums and copays. Add your expected doctor visits, specialist visits and prescription costs to estimate what a plan costs in a heavy-use year.

  3. 3
    Check Prescription Drug Coverage

    Each Wyoming plan has its own drug formulary, a list of covered medications organized by cost tiers. Look up each medication you take before enrolling. The same drug can fall on a lower tier with one plan and a higher tier with another plan from the same carrier, which changes your pharmacy cost.

  4. 4
    Compare Different Plan Types

    Wyoming’s Medicare Advantage market is all PPO for 2027. PPO plans allow access to any provider who accepts Medicare without a referral, and you can use out-of-network providers at a higher cost. Plan type won’t narrow your choice in Wyoming. Focus on network size, copay amounts and supplemental benefits instead.

  5. 5
    Review Star Ratings and Quality Metrics

    Both of Humana’s Wyoming contracts hold a 4-star CMS quality rating. WyoBlue Advantage’s contract is too new to have a rating. CMS calculates star ratings from claims data, customer service and health outcomes. With no WyoBlue rating to compare, ask about its provider network and member service before you enroll.

  6. 6
    Compare Extra Benefits

    Dental and vision coverage are where Wyoming plans differ most. WyoBlue Advantage includes dental on all three plans, with annual maximums of $625 to $650. Humana includes dental on three of its five plans, with maximums of $1,500 to $1,750. Every Humana plan has an eyewear allowance and copay-only hearing aid coverage, and no WyoBlue plan has either.

  7. 7
    Check Out-of-Pocket Maximums

    Wyoming's annual out-of-pocket maximums range from $6,750 to $9,850. Once you reach your plan's limit, covered in-network services cost nothing for the rest of the year. A lower annual maximum caps your spending sooner in a year with heavy care.

How Much Does Medicare Advantage Cost in Wyoming?

Most Wyoming Medicare Advantage plans cost $0 a month, so what you pay depends on how much care you use. Routine visits are inexpensive. The median Wyoming plan charges $15 to see your primary care doctor and $42 for a specialist.

Hospital stays are where Wyoming costs climb. At the median $468 daily copay, a four-day stay costs about $1,872.

A year with surgery or repeat admissions can reach the median $7,075 out-of-pocket maximum. If you expect a hospital stay, compare each plan’s daily inpatient copay before its premium.

Median Monthly Premium
$0
Median Max Out-of-Pocket
$7,075
Median Inpatient Copay
$468
Median PCP Copay
$15
Median Specialist Copay
$42

*Median cost figures across all 8 non-SNP Wyoming MA plans, grouped by plan type. All dollar figures rounded to nearest dollar. Source: CMS 2027 data, MoneyGeek analysis.

Wyoming Medicare Advantage Resources

Wyoming residents can get free Medicare counseling and help paying premiums through these state and federal resources.

  • Wyoming State Health Insurance Information Program (WSHIIP): Free, unbiased Medicare counseling from trained volunteers through Wyoming Senior Citizens, Inc. WSHIIP counselors help you compare Medicare Advantage plans, explain enrollment windows and answer coverage questions at no cost. Call 1-800-856-4398.
  • Medicare Plan Finder: The official federal tool for comparing Medicare Advantage plans by ZIP code, including premiums, out-of-pocket maximums, CMS star ratings and drug coverage.
  • Wyoming Department of Insurance: The state agency that licenses and regulates insurance carriers in Wyoming. Use it to verify a plan's standing or report a coverage issue.
  • Social Security Administration: The federal agency that handles Medicare enrollment for most Wyoming residents. Apply for Medicare through the SSA website, where you can also check enrollment status and Part B premium payments.
  • Medicare Savings Programs: Four programs help residents with limited income and resources pay Medicare premiums, and some also cover deductibles and copays. Medicare.gov lists the current income limits, and Wyoming residents apply through Wyoming Medicaid.
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Frequently Asked Questions

Our Methodology

For the 2027 plan year, MoneyGeek drew on five CMS data sources to evaluate the carriers selling Medicare Advantage plans in Wyoming. Those sources are the Medicare Plan Landscape File, Plan Benefit Package files, CMS Star Ratings, the CAHPS Report Card Master Table and the Contract/Plan Enrollment file.

The analysis covers eight non-SNP plans from two carriers across three CMS contracts and all 23 Wyoming counties. All plans in the state are PPOs. Special Needs Plans, which enroll only people with certain chronic conditions, Medicaid or institutional care, are not included. To be rated, a carrier needed to serve at least three Wyoming counties and have complete affordability and benefits data available.   

How We Score Carriers

Each qualifying carrier gets an overall rating out of five, which comes from a weighted average of three categories:   

  • Affordability (40%): Maximum annual cost exposure, which combines annual premiums with the out-of-pocket maximum, along with inpatient hospital, specialist and primary care costs.
  • Quality and Member Experience (40%): CMS Star Ratings contribute 60% of this category and CAHPS Rating of Health Plan scores, from a CMS survey asking members to rate their plan, contribute 40%. Both are measured at the contract level. Where a carrier has no Star Rating or CAHPS data on file, which applies to WyoBlue Advantage as a new contract, the quality category is set at 4.0.
  • Benefits and Access (20%): Supplemental benefits, covering dental, OTC, vision and hearing, contribute 50% of this category. County coverage contributes 30% and the number of plan options available per county contributes 20%.

About Mark Fitzpatrick

Mark Fitzpatrick, Licensed P&C Insurance Expert, MoneyGeek

Mark Fitzpatrick is a licensed Property and Casualty (P&C) Insurance Producer and MoneyGeek's resident expert in insurance and economics. In nearly a decade covering the insurance market at LendingTree and MoneyGeek, he's analyzed hundreds of carriers and millions of rates across auto, home, renters, health and life insurance.

His work has appeared in The Washington Post, The New York Times and NPR. He draws on independent cost and consumer experience data, and no insurance company partnerships affect his recommendations.

Mark studied at Boston College and later earned a master's in economics and international relations from Johns Hopkins University. He worked in financial risk management at State Street before joining MoneyGeek. He's also a five-time “Jeopardy!” champion.

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