Wyoming Health Insurance Plan (WHIP)

→ NOTICE OF IMPORTANT CHANGE

Guaranteed Health Insurance Plan

As a HIPAA eligible enrollee you are guaranteed the right to buy an individual health insurance policy from the state high-risk pool, Wyoming Health Insurance Plan (WHIP). Note:

• WHIP prohibits pre-existing condition exclusion periods and elimination riders
• WHIP is your only guaranteed source of individual health insurance

HIPAA Eligibility

To be HIPAA eligible in Wyoming, you must:

1. Have 18 months of continuous creditable coverage, with at least the last day under the Brethren Ministers Group; and
2. Not be eligible for Medicare, Medicaid or a group plan; and
3. Apply for health insurance for which you are HIPAA eligible within 63 days of losing your prior coverage; and
4. Not have health insurance.

Note: If you know your group coverage is about to end, you can apply for coverage for which you will be HIPAA eligible.

How much does WHIP coverage cost?

WHIP charges different rates based on the plan chosen, age and gender. Wyoming caps premiums at 200% of the market rate healthy people would pay for similar coverage from a private insurer. Click here to view WHIP level 1 rates. Click here to view WHIP level 2 rates

WHIP Coverage Highlights: Brown & Gold Plans

• Brown Plan: $350,000 maximum lifetime limit and $4000 limit on annual out-of-pocket costs
• Gold Plan: $600,000 maximum lifetime limit and $6000 limit on annual out-of-pocket costs
• Outpatient medical care, mental health care, maternity, and hospital admissions have separate annual deductibles
• To view more information, view the WHIP Brochure

How can I become insured with WHIP?

For enrollment information, visit Blue Cross and Blue Shield of Wyoming (WHIP Administrator) online at http://insurance.state.wy.us/consumer.html, or call (800) 442-2376.

Special insurance for children: Wyoming Kid Care

A family of four making up to $41,292 a year may be eligible for Wyoming Kid Care.

• Do you qualify? Visit Eligibility
• For enrollment information, click here to see an application
• Questions? Call (877) 543-7669