Best Medicare Supplement Plans in Wyoming (2026)

Explore the best Wyoming Medicare Supplement plans in 2026. Compare benefits, pricing and companies side by side to find the best Medigap policy for you.

Discover the best Medicare Supplement rates for your needs.

Written by Mark Fitzpatrick

Updated: January 29, 2026

Advertising & Editorial Disclosure

Key Takeaways

MedMutual Protect is the best Medicare Supplement provider in Wyoming for popular plans F and N, while LifeShield National provides the most affordable pricing for Plan G.

Medicare Supplement costs in Wyoming vary widely by coverage level, with monthly premiums ranging from about $38 at the low end to more than $600 for the most comprehensive plans.

When shopping for Medigap plans in Wyoming, compare multiple carriers and review each plan’s benefits, limitations, and statewide availability to find the option that best matches your healthcare needs.

Best Medicare Supplement Plans in Wyoming

Wyoming Medicare Supplement (Medigap) premiums vary widely by plan type, insurer, and pricing model, so it's important to compare your options carefully. Among the most popular options, LifeShield National delivers the lowest average cost for Plan G at $152 per month, while MedMutual Protect offers the most affordable rates for both Plan N ($105 monthly) and the highly comprehensive Plan F ($171 monthly).

The best Medigap plan for you depends on your age, the level of coverage you want, and whether you prefer attained-age or issue-age pricing, which can greatly affect long-term costs. The table below highlights the best-priced Medicare Supplement plans in Wyoming by provider and plan type.


USAA	A	$125	$79	Attained Age Pricing
Humana	B	$195	$70	Attained Age Pricing
State Farm	C	$232	$79	Attained Age Pricing
Transamerica	D	$165	$38	Issue Age Pricing
MedMutual Protect	F	$171	$143	Attained Age Pricing
LifeShield National	G	$152	$106	Attained Age Pricing
Transamerica	K	$74	$33	Issue Age Pricing
Transamerica	L	$110	$57	Issue Age Pricing
Transamerica	M	$135	$0	Issue Age Pricing
MedMutual Protect	N	$105	$103	Attained Age Pricing

*Prices are for 65-year-olds.

LifeShield National

MoneyGeek Rating

4.5/ 5

5/5Affordability

4.1/5Pricing Style

3.7/5Plan Availability

Average Plan G Rate
$152
Plan Types
A, F, G, N

pros
- Best Plan G rates in the state ($152 a month)
- Offers four popular plan types (A, F, G, N)
- Stable financial ratings from AM Best
cons
- Limited plan selection outside of most popular options
- No high-deductible options available
- Attained Age Pricing means your premiums increase with age
LifeShield National sells Plans A, F, G and N in Wyoming. Premiums run from $119 for Plan N to $184 for Plan F. The company charges just $152 monthly for Plan G, which is $106 less than the state average.

Plan G covers nearly all out-of-pocket costs except the Part B deductible, making it a popular choice among Medicare Supplement options. LifeShield doesn't offer high-deductible versions. The provider uses Attained Pricing, so your rates go up as you get older.

MedMutual

MoneyGeek Rating

4.2/ 5

4.8/5Affordability

3.9/5Pricing Style

3.2/5Plan Availability

Average Plan G Rate
$152
Plan Types
A, D, F, G, N

pros
- Best Plan F rates ($171 a month)
- Best Plan N rates ($105 a month)
- High-deductible Plan G option
cons
- Doesn't offer Plans B, C, K, L or M
- Attained Age Pricing means your premiums increase with age
- No high-deductible Plan F option
MedMutual Protect charges some of the lowest rates in Wyoming for popular plans. Plan N costs $105 per month and Plan F runs $171, both among the cheapest options statewide. The company sells five Medigap plans in the state: A, D, F, G and N. Monthly premiums range from $48 to $336 based on your age and coverage level.

Premiums use attained-age pricing, so your costs increase as you age. The company offers multiple plan choices, letting you pick coverage that matches your healthcare needs and budget. MedMutual holds an A (Excellent) financial strength rating from AM Best. Plan availability differs by county.

USAA

MoneyGeek Rating

4.6/ 5

4.8/5Affordability

4.6/5Pricing Style

4.4/5Plan Availability

Average Plan G Rate
$172
Plan Types
A, F, G, N

pros
- Best Plan A rates ($125 a month)
- Strong financial stability with good ratings
- Additional benefits for military members
cons
- Doesn't offer Plans B, C, D, K, L or M
- Attained Age Pricing means your premiums increase with age
- No high-deductible plans
USAA sells four Medicare Supplement plans in Wyoming: A, F, G and N. Monthly premiums run from $125 for Plan A to $218 for Plan F. Plan G costs $172 per month.

Plan A costs $79 less than the state average monthly, making USAA the cheapest option in Wyoming for this basic coverage. USAA uses Attained Age pricing, which means your rates go up as you get older. High-deductible plans aren't available.

Humana

MoneyGeek Rating

4.6/ 5

4.9/5Affordability

4.3/5Pricing Style

4.2/5Plan Availability

Average Plan G Rate
$212
Plan Types
A, B, C, F, G, K, L, N

pros
- Best Plan B rates ($195 a month)
- Eight plan types including cost-sharing options K and L
- A- (Excellent) AM Best financial strength rating
cons
- Attained Age Pricing means premiums increase with age
- Above average rates for Plans C, F and N
Humana offers the broadest Medicare Supplement plan selection in Wyomin with eight plan types including A, B, C, F, G, K, L and N. High-deductible versions of both Plans F and G are also available.

Standard plan premiums span $83 to $250 monthly, while high-deductible options start at just $51. Humana leads Wyoming for Plan B coverage at $195 monthly, saving you $70 below state averages.

State Farm

MoneyGeek Rating

4.6/ 5

4.9/5Affordability

4.3/5Pricing Style

4.2/5Availability

Average Plan G Rate
$178
Plan Types
A, C, D, F, G, N

pros
- Best Plan C rates ($232 a month)
- Six plan types including less common but valuable options like Plan D
- Strong financial stability with good ratings
cons
- Doesn't offer cost-sharing plans (K, L) or high-value Plan M
- No high-deductible plans
- Attained Age Pricing means your premiums increase with age
State Farm sells six Medigap plans to Wyoming seniors: A, C, D, F, G and N. Premiums start at $138 monthly for Plan N and reach $234 for Plan F.

The company charges the lowest rate for Plan C in Wyoming at $232 per month, which is $79 less than the state average. Your rates will go up as you age since State Farm uses Attained Age pricing across all coverage levels.

Transamerica

MoneyGeek Rating

4.6/ 5

4.9/5Affordability

4.3/5Pricing Style

4.2/5Availability

Average Plan G Rate
$165
Plan Types
A, B, C, D, F, G, K, L, M, N

pros
- All standard plan types available
- Best Plan D rates ($165 a month)
- Best rates for cost-sharing Plans K and L
cons
- No high-deductible plans available
Transamerica offers one of the most comprehensive Medicare Supplement lineups in Wyoming, selling all 10 standardized Medigap plans statewide. Unlike most insurers, the company uses issue-age pricing, meaning your premium is based on your age when you enroll and won’t automatically increase as you get older.

Monthly premiums range from $74 for Plan K to $246 for Plan F. Transamerica is the lowest-cost provider for four plan types in the state, including Plans D, K, L and M. With broad plan availability, competitive pricing, and age-locked premiums, Transamerica is a strong option for younger Medicare enrollees who want more predictable long-term costs.

Best Medicare Supplement Plan G in Wyoming

LifeShield National offers Wyoming's cheapest Plan G at $152 per month, $106 below the state average, while Nassau and Aflac also provide competitive rates.


LifeShield National	$152	$106	$1,824	$1,266
Nassau	$164	$94	$1,968	$1,122
AFLAC	$165	$93	$1,980	$1,110
Transamerica	$165	$93	$1,980	$1,110
USAA	$172	$86	$2,064	$1,026
State Farm	$178	$80	$2,136	$954
Cigna	$179	$79	$2,142	$948

Best Medicare Supplement Plan F in Wyoming

In Wyoming, Plan F costs $171 to $218 monthly based on pricing style and deductible options. MedMutual Protect offers the cheapest Plan F at $171 monthly. Other affordable options include LifeShield National at $184 per month and AFLAC at $186 per month.


MedMutual Protect	$171	$143	$2,052	$1,719
LifeShield National	$184	$130	$2,208	$1,563
AFLAC	$186	$128	$2,232	$1,539
Nassau	$190	$124	$2,280	$1,491
Montana Health Co-Op	$213	$101	$2,556	$1,215
Cigna	$218	$97	$2,610	$1,161
USAA	$218	$96	$2,616	$1,155

Best Medicare Supplement Plan N in Wyoming

Plan N costs $105 to $127+ per month in Wyoming. MedMutual Protect charges the lowest rate at $105 monthly. Montana Health Co-Op and Aflac charge $108 and $110 per month.


MedMutual Protect	$105	$103	$1,260	$1,238
Montana Health Co-Op	$108	$100	$1,296	$1,202
AFLAC	$110	$98	$1,320	$1,178
LifeShield National	$119	$89	$1,428	$1,070
Nassau	$124	$84	$1,488	$1,010
Cigna	$125	$84	$1,494	$1,004
USAA	$127	$81	$1,524	$974

Personalized Wyoming Medicare Supplement Plan Recommendations

Choosing the best Wyoming Medicare Supplement plans depends on several personal factors, including your age, location, tobacco use, and the specific Medigap plan letter you’re considering. Because premiums and availability can vary by insurer and change as you get older, comparing options side by side is essential. Use the filterable table below to review current rates, compare coverage types, and identify the Medicare Supplement plan that best fits your healthcare needs and budget.

Data filtered by:


USAA	A	No	65	$125	$0	Attained Age Pricing
Blue Cross Blue Shield	A	No	65	$145	$0	Attained Age Pricing
LifeShield National	A	No	65	$152	$0	Attained Age Pricing
Globe Life	A	No	65	$152	$0	Attained Age Pricing
United American	A	No	65	$153	$0	Attained Age Pricing
State Farm	A	No	65	$154	$0	Attained Age Pricing
Transamerica	A	No	65	$156	$0	Issue Age Pricing
MedMutual Protect	A	No	65	$165	$0	Attained Age Pricing
AFLAC	A	No	65	$179	$0	Attained Age Pricing
Nassau	A	No	65	$180	$0	Attained Age Pricing

Medicare Supplement Plan Cost in Wyoming

Across 10 standardized plan types, Medicare Supplement insurance costs in Wyoming average $217 monthly for 65-year-olds, from $107 to $314. Plan K costs the least at $107 monthly while Plan F costs the most at $314.

The most popular plans (Plan G, Plan F and Plan N) average $258, $314 and $208 monthly. Annual costs range from $1,284 to $3,768. Your actual premium depends on provider, age and insurer's pricing style.


A	$204	$2,448
B	$265	$3,180
C	$311	$3,732
D	$203	$2,436
F	$314	$3,768
G	$258	$3,096
K	$107	$1,284
L	$167	$2,004
M	$135	$1,620
N	$208	$2,496

How to Choose the Best Medicare Supplement Plan

With plan type chosen, compare Wyoming providers side by side. These factors help you judge Medicare Supplement companies before you commit.

1
Assess Your Health Care Needs
Do you travel frequently? How often do you see doctors? More coverage costs more monthly but saves you money when you need care. If you have ongoing medical conditions requiring regular treatment, higher monthly premiums cost less overall through lower out-of-pocket expenses.
2
Compare Plan Types
Plan G offers the most coverage for new Medicare beneficiaries. Plan N provides similar benefits with lower premiums plus modest copays ($20 for doctor visits, $50 for emergency room). Plan F, available only if you enrolled in Medicare before 2020, covers all out-of-pocket costs. Plans K and L cost less monthly but require you to pay a percentage of costs until you hit an annual limit. Plans A, C and D cover basics with varying benefit levels. Plans B and M fill specific gaps between basic and comprehensive coverage.
3
Get Quotes From Multiple Providers
Get quotes from at least three companies to ensure competitive rates. Insurers charge different rates for identical coverage.
4
Check Pricing Style
Three pricing methods exist: Issue Age (locked at your enrollment age), Attained Age (rises as you age) and Community-Rated (same for everyone). Issue Age and Community-Rated plans save you money long-term.
5
Check Company Ratings
Check AM Best ratings for financial stability and customer satisfaction scores for service quality. Cheaper premiums aren't worth it if your insurer delays claims or provides poor service.
6
Enroll During Open Enrollment
Enroll during the six-month window starting when you turn 65 and sign up for Medicare Part B. You're guaranteed acceptance regardless of health conditions. Wait longer, and insurers may charge more or deny coverage.

Wyoming Medicare Resources

Wyoming residents seeking help with Medicare coverage selection and understanding options can access multiple resources that provide free state and federal assistance.

Wyoming State Health Insurance Assistance Program (SHIP): Trained volunteers offer unbiased guidance through the Wyoming State Health Insurance Assistance Program, helping individuals understand Medicare options and benefits with free, personalized counseling. They assist with enrollment, claims and resolving Medicare-related issues. Visit Wyoming State Health Insurance Assistance Program (SHIP).
Wyoming Department of Insurance: Publishes rate comparisons for Medicare Supplement plans and runs a helpline for insurance questions and complaints. The department offers consumer protection services and helps seniors identify and report insurance scams. Visit Wyoming Department of Insurance.
Medicare.gov: The official federal Medicare website has comprehensive information on all Medicare options, including a plan finder tool to compare Medicare Supplement, Medicare Advantage and Part D plans in your ZIP code. Visit Medicare.gov.

Medicare Supplement Plans in Wyoming: FAQ

Common questions about Medigap coverage in Wyoming answered below.

When is Medicare Supplement open enrollment in Wyoming?

Medicare Supplement open enrollment in Wyoming begins when you turn 65 and enroll in Medicare Part B. This six-month window guarantees coverage regardless of health conditions. You can buy a Medicare Supplement plan anytime, but insurers can deny coverage or charge higher rates outside this period.

What are the most popular Medicare Supplement plans?

Plan G, Plan F and Plan N are the most popular Medicare Supplement plans. Plan G offers comprehensive coverage with predictable out-of-pocket costs. Plan F provides the most complete coverage but is available only to those eligible before 2020. Plan N offers lower premiums with modest copayments ($20 for doctor visits, $50 for emergency room). Learn more about Medicare coverage.

Do you have to renew Medigap plans every year?

No. Medicare Supplement plans automatically renew as long as you pay premiums on time. Your coverage continues indefinitely without annual enrollment periods, unlike Medicare Advantage plans that require yearly review during open enrollment.

What's the difference between Medicare Supplement and Medicare Advantage?

Medicare Supplement plans work with Original Medicare to cover out-of-pocket costs like deductibles and copayments. Medicare Advantage plans replace Original Medicare entirely, providing an all-in-one alternative with different networks, costs and coverage rules. Supplement plans offer more provider flexibility. Advantage plans often include extras like dental and vision coverage.

Our Methodology

MoneyGeek collected Wyoming Medicare Supplement data for 65-year-olds and 75-year-olds using Medicare.gov's plan browsing tool. Unless otherwise noted, this article references quotes for 65-year-olds.

We scored Wyoming Medigap companies across three categories to create a weighted score out of 5:

Affordability (50%): Lower monthly premiums earn higher scores.
Pricing style (20%): We scored pricing methods based on long-term stability and fairness: Community Pricing (1.0), Issue-Age Pricing (0.8) and Attained-Age Pricing (0.6). A community-rated plan with slightly higher costs can outscore a cheaper attained-age plan because community-rated premiums stay stable as you age.
Plan availability (30%): Insurers offering more plan types score higher. We weighted popular plans (G, F and N) more heavily in scoring.

About Mark Fitzpatrick

Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in CNBC, NBC News and Mashable.

Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!

He writes about economics and insurance, breaking down complex topics so people know what they're buying.

Read Full Bio »

Best Medicare Supplement Plans in Wyoming (2026)

Best Medicare Supplement Plans in Wyoming

Best Medicare Supplement Plan G in Wyoming

Best Medicare Supplement Plan F in Wyoming

Best Medicare Supplement Plan N in Wyoming

Personalized Wyoming Medicare Supplement Plan Recommendations

Medicare Supplement Plan Cost in Wyoming

How to Choose the Best Medicare Supplement Plan

Wyoming Medicare Resources

Medicare Supplement Plans in Wyoming: FAQ

When is Medicare Supplement open enrollment in Wyoming?

What are the most popular Medicare Supplement plans?

Do you have to renew Medigap plans every year?

What's the difference between Medicare Supplement and Medicare Advantage?

Our Methodology

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