Medicare Supplement
Medigap in Wyoming for 2027: 17 Insurers and the Plans They Sell
CHEYENNE — Wyomingites who want Original Medicare paired with a Medicare Supplement policy have a wide field to consider for 2027. Medicare.gov's Medigap policy search for ZIP code 82001 lists 17 insurers offering standardized plans, and Annual Enrollment 2027 runs October 15 through December 7, 2026, with coverage choices taking effect January 1, 2027.
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Click to call 855-729-3240Key takeaways
- Medicare.gov's Medigap policy search lists 17 insurers for Wyoming's 82001 ZIP code, selling plan letters A, B, C, D, F, F-HD, G, G-HD, K, L and N.
- The best time to buy a Medigap policy is during the one-time six-month Medigap Open Enrollment Period that starts when you are 65 or older and enrolled in Part B.
- Six Medicare Advantage plans offered in Wyoming in 2026 will not be offered anywhere in the state in 2027, and affected members get a federal guaranteed-issue right to buy certain Medigap plans.
- Medigap does not include prescription drug coverage, so you choose a separate Part D plan during Annual Enrollment 2027 (October 15 – December 7, 2026).
| Fact | Figure | Source |
|---|---|---|
| Part B standard monthly premium (2026) | $202.90 | Medicare.gov |
| Part D out-of-pocket cap (2026) | $2,100 | CMS |
| Part D out-of-pocket cap (2027) | $2,400 | CMS |
| Annual Enrollment Period (for 2027 coverage) | October 15 – December 7, 2026 | Medicare.gov |
Area counts are for the county as a whole and are not a recommendation of any plan. Program figures are set nationally.
What is Medigap and how is it different from Medicare Advantage in Wyoming?
A Medigap policy is private insurance that works alongside Original Medicare (Parts A and B) to help pay some of the out-of-pocket costs Original Medicare leaves behind, such as coinsurance. Medicare Advantage, by contrast, is an alternative way to receive your Medicare benefits through a private plan, often with its own network and extra features. You cannot use both at the same time: a Medigap policy only pairs with Original Medicare.
Medigap plans sold today are standardized by federal letter, so Plan G from one insurer covers the same federally defined benefits as Plan G from another. What can differ is price, customer service and underwriting. Plans C and F are closed to people who became newly eligible for Medicare on or after January 1, 2020.
Which insurers sell Medigap in Wyoming, and what plan letters do they offer?
According to Medicare.gov's Medigap policy search for ZIP code 82001, 17 insurers are listed for Wyoming, offering some combination of plan letters A, B, C, D, F, F-HD, G, G-HD, K, L and N. What is actually available can vary by ZIP code and by age, sex and tobacco use.
The insurers listed, in alphabetical order, with the plan letters shown for each:
- AARP – UnitedHealthcare Insurance Company: A, B, C, F, G, K, L, N
- AFLAC: A, F, G, N
- American Continental Insurance Company (Aetna): A, B, F, F-HD, G, N
- Bankers Fidelity Life Insurance Company: A, F, F-HD, G, K, N
- Bankers Life (underwritten by Washington National Insurance Company): A, F, G, G-HD, N
- BlueCross BlueShield of Wyoming: A, G, G-HD, K, N
- GPM Health and Life Insurance Company: A, F, G, N
- HealthSpring National Health Insurance Company: A, F, G, G-HD, N
- Humana (Humana Insurance Company): A, B, C, F, F-HD, G, G-HD, K, L, N
- Humana Achieve (CompBenefits Insurance Company): A, F, G, G-HD, N
- Insurance Company of North America: A, F, G, G-HD, N
- LifeShield National Insurance Company: A, F, G, N
- Lumos Insurance: A, F, G, G-HD, N
- Mutual of Omaha (Mutual of Omaha Insurance Company): A, F, G, G-HD, N
- State Farm Mutual Automobile Insurance Company: A, C, D, F, G, N
- United American Insurance Company: A, B, C, D, F, F-HD, G, G-HD, K, L, N
- USAA Life Insurance Company: A, F, G, N
This article does not compare prices or benefits. Those details come from the Medicare Plan Finder at medicare.gov, 1-800-MEDICARE, or the insurer's own documents.
When is the Medigap Open Enrollment Period in Wyoming, and why does it matter?
The Medigap Open Enrollment Period is a one-time, six-month window that begins the month you are 65 or older and enrolled in Medicare Part B. During that window, an insurer in Wyoming must sell you any Medigap plan it offers, cannot charge you more because of your health, and cannot make you wait for coverage of pre-existing conditions beyond the limits in federal rules.
Outside that window, insurers in most situations may use medical underwriting, meaning your health history can affect whether you can buy a policy and at what price. That is why the six-month window matters so much: the same plan letter may be easier or harder to obtain later.
What happens if my Medicare Advantage plan is leaving Wyoming in 2027?
Six Medicare Advantage plans that are offered somewhere in Wyoming in 2026 will not be offered anywhere in the state in 2027, according to the CMS Landscape files. If you are enrolled in one of those plans, you get a federal guaranteed-issue right to buy certain Medigap policies, which means an insurer must sell you one of the eligible plans without medical underwriting within the time limits set in federal rules.
Guaranteed-issue rights also apply in other specific situations — for example, if you lose certain employer-sponsored coverage. Medicare.gov describes which Medigap plan letters qualify and how long you have to act.
Does Medigap cover prescriptions in Wyoming, or do I need a separate Part D plan?
Medigap policies sold today do not cover prescription drugs, so most people with Original Medicare and Medigap also enroll in a stand-alone Part D plan. For 2027, the out-of-pocket cap on covered Part D drugs is $2,400 (up from $2,100 in 2026), the most any Part D plan may charge as a deductible is $700, and the national base beneficiary premium used in the late-enrollment penalty is $41.33. Actual plan premiums are set plan by plan.
You can enroll in or change a Part D plan during Annual Enrollment 2027, which runs October 15 through December 7, 2026, for coverage starting January 1, 2027.
How should Wyoming residents compare Medigap policies?
Because Medigap plans are standardized by letter, a side-by-side comparison in Wyoming usually comes down to three things: the plan letter and its federally defined benefits, the insurer's price for that letter in your ZIP code at your age, and the insurer's customer service and rate history. Underwriting rules outside the Medigap Open Enrollment Period can also matter.
The Medigap policy search on Medicare.gov lets you enter your ZIP code and see the insurers and plan letters available, then contact the insurer directly for a quote and the official outline of coverage.
Where can Wyoming residents get free help with Medigap and Medicare?
Medicare.gov offers free tools for comparing Medigap policies, Part D plans and Medicare Advantage plans, and 1-800-MEDICARE is available around the clock to answer questions. The Social Security Administration announced on October 14, 2026, a 3.6 percent cost-of-living adjustment for benefits payable beginning January 2027, which affects Social Security checks that many Medicare beneficiaries use to pay their premiums.
By the numbers
Medicare Part B premium, 2006–2026
The standard monthly Part B premium has climbed from $88.50 in 2006 to $202.90 in 2026. Hover any point for that year’s premium.
Source: CMS. Standard premium shown; in some hold-harmless years many existing enrollees paid less. Confirm at Medicare.gov.
Key dates
Medicare enrollment periods at a glance
- Around your 65thInitial Enrollment PeriodA 7-month window around the month you turn 65 — your first chance to sign up.
- October 15 – December 7Annual Enrollment Period (Open Enrollment)Anyone with Medicare can join, switch, or drop a Medicare Advantage or Part D plan.
- January 1 – March 31Medicare Advantage Open EnrollmentIf you're already in a Medicare Advantage plan, you can make one change.
- January 1 – March 31General Enrollment PeriodFor people who missed their first chance to sign up for Part B.
- VariesSpecial Enrollment PeriodTriggered by life events like moving or losing other coverage.
Dates are set by Medicare and apply nationwide. Confirm your personal windows at Medicare.gov or 1-800-MEDICARE.
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The parts of Medicare
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When can you enroll? An interactive year
Enrollment windows are federal and the same nationwide. Confirm your personal dates at Medicare.gov or 1-800-MEDICARE.
Good to know
Frequently asked questions
How many insurers sell Medigap policies in Wyoming for 2027?
When can I buy a Medigap plan in Wyoming without medical underwriting?
Do Medigap plans in Wyoming include prescription drug coverage?
Where can I get free help choosing a Medigap plan in Wyoming?
- CMS — Medicare Supplement Insurance (Medigap) rules (medicare.gov)
- CMS — Medicare enrollment periods (medicare.gov)
For personalized answers, contact Medicare.gov or 1-800-MEDICARE.
Sources and methodology
- Medicare.gov, Medicare costs (Part B premium)
- CMS, Medicare prescription drug coverage (Part D) program rules
- CMS, Medicare Advantage and Part D plan-year announcements
- Medicare.gov, enrollment periods and plan rules
- Medicare.gov Medigap policy search
Figures cited in this article
- Medicare.gov: the Medigap policy search for ZIP code 82001, including the 17 insurers and plan letters listed for Wyoming.
- CMS Landscape Source Files: the count of Medicare Advantage plans offered in Wyoming in 2026 that will not be offered anywhere in the state in 2027.
- CMS — Medicare Supplement Insurance (Medigap) rules (medicare.gov): standardization of plan letters, the Medigap Open Enrollment Period and guaranteed-issue rights.
- CMS — Medicare enrollment periods (medicare.gov): Annual Enrollment 2027 dates and January 1, 2027 effective date.
- CMS: 2027 Part D parameters, including the $2,400 out-of-pocket cap, the $700 maximum deductible and the $41.33 base beneficiary premium.
- Social Security Administration: the 3.6 percent cost-of-living adjustment announced October 14, 2026, for benefits payable beginning January 2027.
How we put this together: area counts come from the CMS files listed above for the county that contains this city, program figures come from CMS, Medicare.gov and the Social Security Administration, and no plan is ranked or recommended.
By The Medicare Desk · Published . For personalized answers, contact Medicare.gov or 1-800-MEDICARE.
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This page was last updated: October 2026.