Health insurance has become a complicated topic over the last few years, even in Wyoming. But it doesn't have to be difficult to understand. You can get medical insurance quotes on a wide variety of policies, even if you don't have coverage through your employer. With the right help, it's easy to find out which type of plan is best for you and your family and easy to search for a policy you can afford.
Wyoming Health Issues
- Although air quality in WY is excellent, smoking rates remain relatively high, at 21.8% of the state population.
- 21.1% of WY residents are physically inactive.
- 17% of WY adults admit to regular binge drinking.
- 57% of high school graduates in WY report that their health is very good.
- Only 30% of WY residents who have not completed high school report very good health.
The trend in Wyoming is toward better health. Binge drinking and smoking rates are still high, but they are about 5 percent lower than they were in 2011. Meanwhile, physical activity rates and immunization rates are up. And there is still a large disparity in health quality between high school graduates and non-graduates. Affordable health insurance has helped to reduce death rates and improve health outcomes in other states and could do so for Wyoming residents as well.
Types of Health Insurance
There are many types of health plans to choose from. The kind you need depends on your budget, your health concerns and your preferences. Here are a few of the most popular plans:
- Health Maintenance Organization: An HMO allows you to choose your own physician from a list of doctors in the network. If you frequently need to see a doctor who is not in your network, you may need a different plan. HMOs tend to be very affordable. You pay a monthly fee for coverage and a low co-payment at time of service.
- Preferred Provider Organization: A PPO gives you greater flexibility to see a doctor. Aside from the primary physician you choose within the network, you can also get referrals to other specialists and doctors outside the network and still get significant discounts. For a higher fee, you can also choose a primary physician outside the network.
- Health Savings Account: If you are a young person in good health, a health savings account might be best for you. This is a tax-advantaged savings account that you can use in case of a medical emergency. Your deductibles for healthcare will be higher than with a PPO or HMO, in general. However, if you do not anticipate that you will need to see a doctor very often, it may be in your best interest to use an HSA.
Do You Have Employer-Sponsored Health Insurance?
Even if you get health insurance through a group plan at work, you may be missing the best deals. Often, a local independent insurance agent can help you shop around and find an even better plan at a better premium than your workplace can provide. Quotes are free, so you risk nothing by seeing what's out there.
Compare Medical Insurance Options and Quotes
Wyoming is home to many independent insurance agents in the Trusted Choice® network. These local agents can help you compare many different policies, companies and quotes. A local agent can find the right coverage for you at the right price. A local agent can also advocate for you if you ever need to file a claim with your insurance company.
Contact a Trusted Choice agent in your neighborhood for help getting quotes and medical insurance.