Medicare in Wyoming: 2026 Plans, Costs, and Enrollment Guide

Wyoming Medicare Snapshot

Wyoming has 14 Medicare Advantage plans available statewide for 2026 (CMS 2026 Medicare MA & Part D Landscape State-by-State Fact Sheet) — one of the smallest MA markets in the country by plan count. The specific plans offered vary by county within Wyoming’s 23 counties. Wyoming uses the standard federal Medigap plan letters; most Wyoming Medigap policies are attained-age rated.

The average monthly MA premium in Wyoming is $48.61 in 2026 (more than double the $22.07 average in 2025; CMS 2026 Fact Sheet), reflecting the small, less competitive Wyoming MA market. The standard Medicare Part B premium is $202.90/month in 2026.

Plan Types Available in Wyoming

Medicare Advantage (Part C)

Wyoming offers 14 Medicare Advantage plans statewide for 2026 (CMS 2026 Fact Sheet). Top MA carriers include UnitedHealthcare, Humana, and WyoBlue Advantage. The small Wyoming MA market means many beneficiaries opt for Original Medicare with a Medigap and Part D plan instead.

Medigap (Medicare Supplement)

Wyoming uses the standard federal Medigap plan letters (A, B, C, D, F, G, K, L, M, N, plus HDG and HDF). Multiple carriers offer Plan G and HDG in Wyoming. Plans C, F, and High-Deductible Plan F (HDF) are closed to anyone who first became Medicare-eligible on or after January 1, 2020 (under MACRA 2015); beneficiaries who were Medicare-eligible before that date may still buy Plans C, F, or HDF from carriers that continue to offer them. High-Deductible Plan G (HDG) is the post-2020 high-deductible Medigap option.

Most Wyoming Medigap policies are attained-age rated. See our MA vs Medigap comparison →

Standalone Part D (Prescription Drug Plans)

Wyoming is in CMS PDP Region 25 (IA/MN/MT/ND/NE/SD/WY). For 2026, there are 11 standalone PDP plans available (CMS 2026 Fact Sheet).

Costs in Wyoming

Medicare Advantage Premiums

The average monthly MA premium in Wyoming is $48.61 in 2026 (changed from $22.07 in 2025; CMS 2026 Fact Sheet). The standard Medicare Part B premium is $202.90/month in 2026.

Part D Costs and the LIS Benchmark

For 2026, Wyoming (PDP Region 25 — IA/MN/MT/ND/NE/SD/WY) has 11 standalone PDP plans (CMS 2026 Fact Sheet). The CMS Low Income Subsidy (LIS / Extra Help) benchmark premium for Region 25 is $41.47/month (CMS CY2026 Regional Rates and Benchmarks).

Wyoming-Specific Medicare Rules

No State Medigap Birthday Rule

Wyoming does not have a state Medigap Birthday Rule or Anniversary Rule. Outside of the federal 6-month Medigap Open Enrollment Period and qualifying federal guaranteed-issue events, most Medigap purchases in Wyoming are subject to medical underwriting at the carrier's discretion.

Medicare Savings Programs (MSPs)

Wyoming offers Medicare Savings Programs (MSPs) through Wyoming Medicaid (Wyoming Department of Health):

• QMB: Covers Part A and Part B premiums, deductibles, and cost-sharing.
• SLMB: Covers Part B premiums only.
• QI: Also covers Part B premiums; subject to annual appropriations.

Apply through Wyoming Medicaid or contact Wyoming SHIP (1-800-856-4398) for free enrollment assistance. Learn more about MSPs →

Wyoming SHIP

Wyoming SHIP is Wyoming's federally designated State Health Insurance Assistance Program. It provides free, unbiased Medicare counseling statewide.

Phone: 1-800-856-4398
Website: health.wyo.gov/aging/ship/

Enrolling in Medicare in Wyoming

Standard Enrollment Periods

• Initial Enrollment Period (IEP): 7-month window centered on your 65th birthday month. Enroll at ssa.gov or call 1-800-772-1213.
• Annual Election Period (AEP): October 15 – December 7 each year.
• Medicare Advantage Open Enrollment Period (OEP): January 1 – March 31.
• Federal 6-month Medigap OEP: Starts when you are 65+ and enrolled in Part B.
• Special Enrollment Periods (SEPs): Learn more →

Wyoming SHIP Counseling

Contact Wyoming SHIP at 1-800-856-4398 for free one-on-one Medicare guidance statewide.

Frequently Asked Questions