Availability of short-term health insurance in Wyoming

Yes. As of 2026, at least six insurers were offering short-term health insurance in Wyoming.

The cost of short-term health insurance in Wyoming depends on several factors, including your age, gender, and zip code, as well as the specific plan you choose.

Prices for similar coverage will differ from one insurer to another. And when you’re looking at multiple policies offered by the same insurer, you’ll see different premiums depending on the benefits provided by each plan. For example, plans with higher deductibles will tend to have lower premiums. In addition, you may see higher premiums for policies with more robust provider networks or an option to keep the coverage in place for a longer time frame.

You can get quotes for your specific circumstances to see how much short-term health insurance would cost in Wyoming. (Click here to get a quote from our licensed third-party partners.)

Wyoming does not impose its own limits on short-term policy durations, so federal rules are used. Starting in September 2024, federal rules sharply limited the duration of short-term plans, capping them at four months.

But the Trump administration announced in August 2025 that it was no longer prioritizing enforcement of that rule.¹ A previous federal rule, which had been in place from 2018 until 2024, limited short-term policies to initial terms of less than 12 months, and total duration, including renewals, of 36 months.²

Soon after the federal government’s announcement about non-enforcement of the 2024 rule, insurers in Wyoming started to once again offer short-term policies with total durations of up to 36 months.

But there’s quite a bit of variation from one plan to another, as some insurers choose to limit their policies to much shorter durations.

Short-term health insurance in Wyoming can be purchased by applicants who can meet an insurer’s underwriting guidelines.

Most insurers will sell short-term health insurance to people under 65 years of age, as long as they don’t have a medical condition that will result in a declined application.³ But the specific requirements vary from one insurance company to another.

Short-term health insurance plans usually include blanket exclusions for pre-existing conditions, and they often use post-claims underwriting (meaning that they will go back through a person’s medical records after a claim is filed, to make sure it isn’t related to a pre-existing medical condition).⁴

Most short-term health plans do not cover all of the ACA’s essential health benefits; the most commonly excluded are maternity care, prescription drugs, and mental health care.³ They also generally have limits on how much they’ll pay in benefits. It’s important to double-check all of the plan information before purchasing a short-term policy, to make sure that you understand the limitations of the plan.

If you’re in need of health insurance coverage in Wyoming outside of the annual open enrollment period for ACA-compliant major medical plans (i.e., an Obamacare plan), first check if you qualify for a special enrollment period.

There are many qualifying life events that will trigger a special enrollment period and allow you to buy a plan through Wyoming’s health insurance exchange/Marketplace (HealthCare.gov) or directly from one of the insurers that offer ACA-compliant individual/family coverage in Wyoming.

Note that financial assistance (premium subsidies and cost-sharing reductions) is only available if you buy the plan through the exchange/Marketplace.

Marketplace plans are purchased on a month-to-month basis, so you can enroll in coverage even for only a few months until another policy takes effect (with a premium subsidy if you’re eligible). So if you’ll soon be eligible for an employer-sponsored plan or Medicare, you can still sign up for a policy through the Marketplace/exchange and then cancel it when your other coverage starts.

There are times when short-term coverage might be the only realistic option, such as:

• If you missed open enrollment for ACA-compliant coverage and do not have a qualifying event that would trigger a special enrollment period.
• You’re waiting for Medicare to start, or you’re newly employed and have a waiting period before your employer will provide health benefits. If you also qualify for a Marketplace special enrollment period, you can instead choose to enroll in an ACA-compliant plan and cancel it when your new plan takes effect.
• If an existing plan is terminating mid-month, and a new plan doesn’t take effect until the start of the following month. In this case, a short-term plan can be used to cover the gap, although COBRA might be a better fallback plan, depending on the circumstances. (COBRA is retroactive if you sign up during the election period that’s offered to you.)
• If you’re not eligible for Medicaid or a premium subsidy in the exchange, the monthly premiums for an ACA-compliant plan might be too costly, especially in a state like Wyoming, where individual major medical coverage is much more expensive than the national average for people who don’t get premium subsidies.⁵

People who are ineligible for premium subsidies include those who are caught in the coverage gap in Wyoming. This applies to people who earn less than the poverty level, but aren’t eligible for Medicaid because Wyoming has thus far refused to accept federal funding to expand Medicaid under the Affordable Care Act.

There is also an income cap for subsidy eligibility, equal to 400% of the federal poverty level. That income limit was eliminated from 2021 through 2025, but it returned in 2026.