Wyoming Health Insurance Coverage...
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If you are searching for ways to lower your health insurance costs and you live in the State of Wyoming...We, here at HealthInsureCoverage.com, work hard to supply you with the information you need to make an informed decision regarding your health insurance needs and requirements.

• What kind of protections can you expect of purchasing Health Insurance in the State of Wyoming?
     Numerous state and federal laws make it easier for people with pre-existing conditions to get or keep health insurance, or to change from one health plan to another. A federal law, known as the Health Insurance Portability and Accountability Act (HIPAA) sets national standards for all health plans. In addition, states can pass different reforms for the health plans they regulate (fully insured group health plans and individual health plans), so your protections may vary if you leave Wyoming. Neither federal nor state laws protect your access to health insurance in all circumstances.
• Nondiscrimination.
     Coverage under your group health plan (if your employer offers one) cannot be denied or limited, nor can you be required to pay more, because of your health status. This is called nondiscrimination.
• All group health plans in Wyoming must limit exclusion of pre-existing conditions.
     There are rules about what counts as a pre-existing condition and how long you must wait before a new group health plan will begin to pay for care for that condition. Generally, if you join a new group health plan, your old coverage will be credited toward the pre-existing condition exclusion period, provided you did not have a long break in coverage.
• Your health insurance cannot be canceled because you get sick. Most health insurance is guaranteed renewable.
• If you leave your job, you may be able to remain in your old group health plan for a certain length of time.
     This is called COBRA continuation coverage or state continuation coverage. It can help when you are between jobs or waiting for a new health plan to cover your pre-existing condition. There are limits on what you can be charged for this coverage.
• If you lose your group health insurance and meet other qualifications, you will be federally eligible.
     If so, you can buy an individual health plan from the Wyoming Health Insurance Pool (WHIP). You will not face a new pre-existing condition exclusion period. There are limits on what you can be charged for a WHIP policy.
• If you have had difficulty obtaining affordable individual health insurance because of your health condition, you may also be eligible for WHIP coverage.
     In this case you may face a new pre-existing condition exclusion period.
• If you are a small employer buying a group health plan, you cannot be turned down because of the health status, age, or any factor that might predict the use of health services of those in your group.
     All health plans for small employers must be sold on a guaranteed issue basis.
• Wyoming limits how much premiums can vary due to a small group’s health status and industrial grouping.
     Even within these limits, however, premiums can be significantly higher if someone in your small group has a serious health condition or if the group is involved with a high-risk industry. In addition, premiums can vary based on age and other characteristics of those in your group.
• If you have low or modest household income, you may be eligible for free or subsidized health coverage for yourself or members of your family.
     The Wyoming Medicaid program offers free or subsidized health coverage for pregnant women, families with children, elderly and disabled individuals with very low incomes.
• If your children are 18 years old or younger, do not have health insurance and meet other qualifications, you may be able to buy insurance for them through Wyoming Kid Care program.

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