Key Takeaways
- Wyoming uses the federal HealthCare.gov marketplace
- Wyoming Department of Insurance regulates health insurance
- Pre-existing condition exclusions are prohibited in ACA-compliant plans
- Wyoming has NOT expanded Medicaid under the ACA
- Essential health benefits are required in all qualified plans
Last updated: January 2026
Wyoming Health Insurance Policy Requirements
Wyoming has health insurance regulations administered by the Wyoming Department of Insurance.
Regulatory Structure
Wyoming health coverage is regulated by:
| Agency | Responsibility |
|---|---|
| Wyoming Department of Insurance | Primary insurance regulator |
| Department of Health | Medicaid and public health |
| Federal HealthCare.gov | Individual marketplace enrollment |
Wyoming Department of Insurance
The Department:
- Reviews and approves policy forms and rates
- Licenses insurance producers and companies
- Handles consumer complaints
- Enforces insurance laws and regulations
Health Insurance Marketplace
Wyoming uses the federal HealthCare.gov marketplace:
Key Features
- Federal marketplace platform
- Premium tax credits available based on income
- Qualified Health Plans (QHPs) certified by federal standards
- Wyoming-specific plan options
Enrollment Periods
- Annual open enrollment each fall
- Special enrollment for qualifying life events
- Financial assistance based on income
Medicaid Status
Important: Wyoming has NOT expanded Medicaid under the ACA:
Current Eligibility
- Traditional Medicaid eligibility categories only
- Children and pregnant women at higher income levels
- Limited adult eligibility without dependents
Required Coverage
Wyoming ACA-compliant plans must cover Essential Health Benefits:
Essential Health Benefits
- Ambulatory patient services
- Emergency services
- Hospitalization
- Maternity and newborn care
- Mental health and substance use disorders
- Prescription drugs
- Rehabilitative services
- Laboratory services
- Preventive and wellness services
- Pediatric services (including dental and vision)
Pre-Existing Condition Protections
Wyoming follows ACA rules on pre-existing conditions:
| Market Segment | Pre-Existing Condition Exclusions |
|---|---|
| Individual | Prohibited |
| Small Group | Prohibited |
| Large Group | Prohibited |
Exam Tip: Wyoming prohibits pre-existing condition exclusions in all ACA-compliant plans.
Guaranteed Issue and Renewal
Wyoming requires:
Guaranteed Issue
- Insurers must accept all applicants during open enrollment
- Cannot deny coverage based on health status
Guaranteed Renewal
- Cannot cancel coverage except for non-payment or fraud
- Plan discontinuation requires advance notice
Mental Health Parity
Wyoming requires mental health parity:
- Mental health benefits must equal medical benefits
- Same copays, deductibles, and limits
- Coverage for substance use disorders required
Test Your Knowledge
Which marketplace does Wyoming use for individual health insurance enrollment?
A
B
C
D
Test Your Knowledge
Did Wyoming expand Medicaid under the ACA?
A
B
C
D