Medicare in Wyoming serves about 110,000 beneficiaries, with 27% enrolled in Medicare Advantage and the remainder on Original Medicare + Medigap. Average Medigap Plan G premium for a new 65-year-old enrollee: $148/mo. Stand-alone Part D plans average $42/mo.
Medicare Beneficiaries
110,000
Age 65+ and disabled
MA Enrollment
27%
% on Medicare Advantage
Avg Medigap Plan G
$148/mo
New enrollee, age 65
| Topic | Detail | Notes |
|---|---|---|
| Medicare Advantage plans available | 8+ | Varies by county; check medicare.gov plan finder |
| Top MA carriers | UnitedHealthcare, Humana, Blue Cross Blue Shield Wyoming | Networks differ by county |
| Stand-alone Part D | $42/mo | Required if you have Original Medicare + Medigap |
| Annual guaranteed-issue Medigap switching | No (one-time 6-month window at 65) | Wyoming has the smallest Medicare population in the country and among the lowest MA enrollment rates nationally — network construction is nearly impossible in the vast, sparsely populated state. |
Medigap premiums vary by carrier, age, and ZIP code. The 2026 Part B premium is $202.90/month and Part B deductible is $283. Part D out-of-pocket cap is $2,100 in 2026.
Wyoming is the least populous state in the country, and its Medicare market reflects that — approximately 110,000 total beneficiaries and only about 27% enrolled in Medicare Advantage, one of the lowest rates nationally. The reason is straightforward: Wyoming's vast geography, with cities like Cheyenne, Casper, Laramie, and Jackson separated by hundreds of miles, makes building a viable provider network for managed-care MA plans extremely difficult. Most Wyoming counties are rural, with Critical Access Hospitals serving as the primary inpatient facilities. Cheyenne Regional Medical Center and Wyoming Medical Center (Casper) are the two major community hospitals. Blue Cross Blue Shield of Wyoming is the dominant local insurer.
For Wyoming's Medicare beneficiaries, Original Medicare with Medigap is by far the most practical coverage option, providing freedom to seek care at any Medicare-participating facility — including major regional centers in Denver, Salt Lake City, or Billings — without network restrictions. Medigap Plan G averages about $148/month in Wyoming, consistent with mountain west pricing. Jackson Hole's affluent retiree community has the highest healthcare demand and cost exposure in the state. Wyoming has no birthday rule or annual Medigap switching protections. The limited number of MA plans means beneficiaries who do choose MA should carefully evaluate network adequacy before enrolling.
In Wyoming, traditional Medicare combined with a Medigap supplement (typically Plan G or N) plus a stand-alone Part D plan provides nationwide access with predictable costs. Plan G covers everything except the $283 Part B deductible.
Medicare Advantage (Part C) plans bundle Medicare Parts A, B, and usually D into one private plan, often with $0 premium beyond Part B. Trade-offs include network restrictions and prior authorization. 27% of Wyoming beneficiaries currently choose MA.
Wyoming has the smallest Medicare population in the country and among the lowest MA enrollment rates nationally — network construction is nearly impossible in the vast, sparsely populated state.
💡 Wyoming Pro Tip
Wyoming has the fewest Medicare Advantage plan options of any state — typically 8 to 12 plans available in Cheyenne and Casper, and often fewer than 5 in most rural Wyoming counties. This is the primary reason Wyoming has one of the lowest MA enrollment rates in the country, with most beneficiaries opting for Original Medicare with Medigap.
The average Medigap Plan G premium for a 65-year-old in Wyoming is approximately $148 per month. Blue Cross Blue Shield Wyoming, Mutual of Omaha, and UnitedHealthcare/AARP are among the few carriers offering Medigap in the state. Given limited competition, comparing all available quotes is especially important.
Wyoming does not have a birthday rule or annual guaranteed-issue protections for Medigap. Outside your initial 6-month open enrollment at 65 or qualifying federal events, insurers can apply medical underwriting. Given Wyoming's extremely limited MA plan options, once you are enrolled in Medigap, maintaining that coverage is strongly advisable — switching away could leave you without viable alternatives if your health changes.
Beneficiary counts and MA enrollment percentages from CMS state-level Medicare data; premium averages from 2026 carrier rate filings for Wyoming. Verify current plan costs at medicare.gov before enrolling.
Jennifer Walsh
Editorial Lead, Health & Medicare
This article was researched and written by the Cover Forge USA editorial team against federal sources (NAIC, CMS, FEMA, DOL, SSA, state DOIs) and standard policy forms. Bylines organize content by topic — they do not assert individual licensure. See our editorial-policy for details.
Reviewed May 2026
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