Best Medicare Supplement Plans in Wyoming (2026)
Compare the top-rated Medigap carriers in Wyoming. Plan G starts at $152/mo with 20+ carriers licensed statewide.
Wyoming Has No Birthday Rule: Your Initial Plan Choice Matters
Unlike California, Oregon, and other states with birthday rules, Wyoming does not give you an annual window to switch Medigap carriers without underwriting. Once your 6-month Open Enrollment Period ends, you will face health questions if you try to change plans. Compare carriers carefully before you enroll and consider long-term rate stability, not just today's lowest premium.
Wyoming is the least populated state in the country, with approximately 30,000 residents enrolled in Medicare Supplement Insurance (Medigap). Despite its small population, Wyoming has a healthy Medigap market with 20+ licensed carriers offering standard federal plans A through N. Plan G is the most popular choice for new enrollees, covering nearly all Medicare out-of-pocket costs except the annual Part B deductible ($283 in 2026).
Wyoming does not have a birthday rule or anniversary rule, which means your 6-month Open Enrollment Period when you first turn 65 and enroll in Part B is your best and most important opportunity to lock in coverage. After that window closes, carriers can use medical underwriting to deny your application or charge higher premiums based on your health history.
Plan G premiums in Cheyenne range from $148/mo (Mutual of Omaha) to $210/mo (AARP/UHC) for a 65-year-old. BCBS of Wyoming is the dominant local carrier with deep provider networks across the state, while Mutual of Omaha and State Farm offer the most competitive premiums.
Compare the Best Medicare Supplement Plans in Wyoming
Our top-rated Medigap carriers in Wyoming, ranked by the MedicareFAQ Score. Premiums shown are for a 65-year-old female nonsmoker in Cheyenne. Rates in Casper, Laramie, and Gillette may vary slightly.
LifeShield National
Plan G
$152/mo
Plan N
$119/mo
AM Best
A-
LifeShield National offers the lowest Plan G premium in Wyoming at $152/mo, saving $106/mo compared to the state average of $258/mo. Their attained-age pricing starts low and they offer Plans A, F, G, and N across the state.
MedMutual Protect (Medical Mutual of Ohio)
Plan G
$152/mo
Plan N
$105/mo
AM Best
A
MedMutual Protect offers the lowest Plan F ($171/mo) and lowest Plan N ($105/mo) in Wyoming, plus a Plan G tied for lowest at $152/mo. A-rated by AM Best with strong claims-paying history. High-deductible Plan G option available.
Transamerica
Plan G
$165/mo
Plan N
$127/mo
AM Best
A
Transamerica is the only carrier in Wyoming offering all 10 standard Medigap plan types with issue-age pricing. Your premium is locked at the rate for your age when you enroll, protecting you from age-based increases. Best choice for long-term rate stability.
State Farm
Plan G
$178/mo
Plan N
$132/mo
AM Best
A++
State Farm holds the highest possible AM Best rating (A++) and offers Plan G at $178/mo in Wyoming. With local agents across Cheyenne, Casper, and Laramie, State Farm is the top choice for Wyoming seniors who prefer face-to-face service in a rural state.
Montana Health Co-Op
Plan G
$195/mo
Plan N
$108/mo
AM Best
NR
Montana Health Co-Op is a regional nonprofit carrier serving both Montana and Wyoming. They offer competitive Plan N at $108/mo and Plan F at $213/mo. As a co-op, they are member-governed and focused on keeping premiums stable for the communities they serve.
Medicare Supplement Prices in Wyoming
Sample monthly premiums from top carriers in Cheyenne for a 65-year-old female nonsmoker. Rates may include available household discounts. Wyoming uses attained-age rating for most carriers, so premiums will increase as you age.
| Insurance Company | Plan G Monthly | Plan N Monthly | Plan F Monthly |
|---|---|---|---|
| LifeShield National | $152 | $119 | $184 |
| MedMutual Protect | $152 | $105 | $171 |
| USAA* | $172 | $127 | $218 |
| Nassau | $164 | $124 | $190 |
| Transamerica | $165 | $127 | $198 |
| AFLAC | $165 | $110 | $186 |
| State Farm | $178 | $132 | $215 |
| Montana Health Co-Op | $195 | $108 | $213 |
| Humana | $212 | $155 | $238 |
Lowest Plan G: $148/mo (Mutual of Omaha). Source: WY DOI, FairSquare Medicare, MoneyGeek, May 2026.
Plan G vs. Plan N in Wyoming
Plan G and Plan N are the two most popular Medicare Supplement plans for new enrollees in Wyoming. Here is how they compare.
| Feature | Plan G | Plan N |
|---|---|---|
| Part A coinsurance | Covered | Covered |
| Part B coinsurance | Covered | Covered* |
| Part B excess charges | Covered | Not covered |
| Part B deductible ($283) | Not covered | Not covered |
| Skilled nursing coinsurance | Covered | Covered |
| Part A deductible ($1,676) | Covered | Covered |
| Foreign travel emergency | Covered | Covered |
| Office visit copay | $0 | Up to $20 |
| ER copay (no admission) | $0 | Up to $50 |
| Avg. monthly premium (Cheyenne) | $148-$210 | $108-$155 |
*Plan N covers Part B coinsurance but may charge up to $20 for some office visits and up to $50 for ER visits that do not result in inpatient admission. Wyoming allows excess charges, so Plan N enrollees should confirm their doctors accept Medicare assignment.
Wyoming has no birthday rule, so your initial enrollment decision is the most important one you will make. With only 20+ carriers in the state, your options are more limited than in larger markets. Mutual of Omaha at $148/mo offers the best value Plan G for most Wyoming seniors. BCBS of Wyoming is the dominant local carrier with the deepest provider network across Cheyenne, Casper, and rural areas, but their premiums tend to be higher. State Farm (A++) at $162/mo gives you the highest financial strength rating plus local agents in every Wyoming community. If you are healthy and rarely visit the doctor, Plan N saves $40-$55/mo with only small copays for office visits and ER trips that do not result in admission.
Wyoming Medigap Rules You Should Know
No Birthday Rule or Anniversary Rule in Wyoming
Wyoming does not have a birthday rule or anniversary rule. Outside of your 6-month Open Enrollment Period when you first turn 65 and enroll in Part B, you will face medical underwriting if you try to switch Medigap carriers. This makes your initial plan choice especially important.
Standard 6-Month Open Enrollment Period
Federal law gives you a 6-month Open Enrollment Period starting the month you turn 65 and enroll in Medicare Part B. During this window, no carrier can deny you coverage or charge higher premiums due to pre-existing conditions. This is the best time to enroll.
Under-65 Coverage Not Required
Wyoming does not require Medigap carriers to offer coverage to Medicare beneficiaries under age 65 (such as those with disabilities). If you are under 65 and on Medicare, you may have difficulty finding Medigap coverage in Wyoming. Some carriers offer it voluntarily at higher rates.
Attained-Age Rating Dominates
Most Wyoming Medigap carriers use attained-age rating, meaning your premium increases as you get older. Transamerica is a notable exception, using issue-age rating where your premium is locked at the rate for your age when you enroll. Issue-age plans often start higher but can be cheaper over the long term.
Rural State Considerations
Wyoming is the least populated state in the U.S., and some carriers have limited agent presence in rural areas. State Farm and local agents are often the most accessible option for in-person help. All carriers are available by phone and online regardless of your location within Wyoming.
Free Help via Wyoming SHIP
Wyoming's State Health Insurance Assistance Program (SHIP) provides free, unbiased Medicare counseling. Call 1-800-856-4398 to speak with a trained counselor who can help you compare plans, understand your rights, and enroll. There is no cost and counselors do not sell insurance.
MedicareFAQ Scoring Methodology
The MedicareFAQ Score rates Medicare Supplement carriers on a scale of 1.0 to 5.0 based on five key factors. Our ratings are independent and not influenced by advertising relationships.
Financial Strength (AM Best)
Claims-paying ability and long-term stability
Customer Satisfaction
NAIC complaint ratios and member satisfaction surveys
Premium Competitiveness
Plan G and Plan N rates vs. Wyoming market average
Plan Availability
Number of plan types offered in Wyoming
Discounts and Value
Household discounts, EFT discounts, and added benefits
Last updated: May 2026 | Data sources: NAIC complaint ratios, AM Best ratings, CMS Medicare Plan Finder, Wyoming DOI, FairSquare Medicare
Frequently Asked Questions
Find the Best Medigap Rate in Your Wyoming ZIP Code
Wyoming has no birthday rule, so your Open Enrollment Period is your best chance to lock in coverage without health questions. Plan G starts at $148/mo in Cheyenne. Compare all available carriers in your area before enrolling.