COBRA in Wyoming

Wyoming continuation lasts twelve months and is capped at 102 percent of the group rate, the same cap federal COBRA uses. The window is shorter, though: you have 31 days to ask in writing and pay the first premium.

Reviewed by Prodest Insurance Group, a licensed insurance agency (NPN 19515569) · Updated 20 October 2026 against the Wyoming Statutes and federal sources.

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Twelve Months for Non-COBRA Groups

Section 26-19-113 of the Wyoming Statutes applies to group policies that are not subject to federal COBRA, which in practice usually means employers with fewer than twenty employees. It lets employees and their covered dependents continue hospital, surgical, and major medical coverage when employment, membership, or eligibility ends.

One 31-day deadline covers everything

You must request continuation in writing within 31 days of the date your coverage ends. Your written election and first monthly premium must reach the insurer, administrator, policyholder, or employer, whichever your employer designates, within 31 days of the date your insurance would otherwise end.

You must also have been insured under the group policy for the whole three months before your eligibility ended.

Wyoming Continuation Compared With Federal COBRA

	Federal COBRA	Wyoming continuation
Who it reaches	Employers with 20 or more employees	Group policies not subject to federal COBRA
How long	18 months, up to 36 for some events	12 months
Prior coverage needed	None	Three months continuously insured
Time to elect	60 days	31 days, in writing, with the first premium
What you pay	Up to 102 percent of the full premium	Up to 102 percent of the group rate
What is included	The same plan you had	Hospital, surgical, and major medical. Dental and vision only if previously included and you ask for them
If the policy is replaced	Coverage continues under the plan	Carries over to the replacement policy for the balance of the period
At the end	Coverage stops	Any conversion option in the group plan. 31 days to elect it

You pay monthly and in advance.

Medicare and Other Coverage

Continuation is not available to anyone covered by Medicare, although their spouse and dependent children remain entitled to it. It is also not available to anyone covered under another group arrangement.

Coverage ends early if a premium is not paid on time, or if the group policy ends without being replaced.

How Much Does COBRA Cost in Wyoming?

Federal COBRA lets a plan charge up to 102 percent of the full premium: everything your employer was paying, everything you were paying, plus two percent. Based on Wyoming's average employer premium in 2025, that works out to about $765 a month for single coverage and $2,302 a month for family coverage. That is close to the U.S. average of $767 a month for single coverage.

	Single coverage	Family coverage
Average full annual premium in Wyoming	$8,997	$27,084
Estimated COBRA cost per month (102%)	$765	$2,302

Estimate = average total employer premium in Wyoming × 1.02 ÷ 12, from the federal Medical Expenditure Panel Survey (2025). These are averages. Your exact premium depends on your former employer's plan and is listed on your COBRA election notice. If you are on state continuation instead of federal COBRA, the premium rules described on this page apply.

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Estimate your own premium with the COBRA cost calculator →
Nearby states: Colorado · Idaho · Montana · Nebraska · South Dakota · Utah

Health Insurance After Job Loss in Wyoming

Because that window runs almost twice as long as the state's 31-day deadline, missing continuation does not leave you without options. It removes one of them.

Wyoming has not expanded Medicaid. Wyoming Medicaid covers children, pregnant women, and certain low-income adults, but working-age adults without dependent children generally do not qualify on income alone.

A spouse or parent's plan. Losing your own coverage usually opens a window to join a family member's employer plan, and that window can be as short as 30 days. Ask early.

Common Questions

How much is COBRA insurance in Wyoming?

About $765 a month for single coverage and $2,302 a month for family coverage, based on Wyoming's 2025 average employer premium plus the 2 percent administrative fee federal COBRA allows. Your actual premium depends on your former employer's plan and appears on your COBRA election notice.

What are my health insurance options after losing my job in Wyoming?

Wyoming uses the federal Health Insurance Marketplace at HealthCare.gov. Losing job-based coverage opens a 60-day Special Enrollment Period, and you can enrol up to 60 days before coverage ends so a new plan starts as the old one stops. Because that window runs almost twice as long as the state's 31-day deadline, missing continuation does not leave you without options. It removes one of them. Wyoming has not expanded Medicaid. Wyoming Medicaid covers children, pregnant women, and certain low-income adults, but working-age adults without dependent children generally do not qualify on income alone.

How long does Wyoming continuation last?

12 months.

How long do I have to elect?

31 days, in writing, with the first monthly premium.

How much does it cost?

Up to 102 percent of the group rate.

Do I need prior coverage?

Yes. The whole three months before eligibility ended.

Does Medicare end eligibility?

For the person covered by Medicare, yes, but their spouse and dependent children remain entitled.

Did Wyoming expand Medicaid?

No. Working-age adults without dependent children generally do not qualify on income alone.

Sources

Drawn from the Wyoming Statutes and federal sources. Your plan documents and the terms your carrier provides govern your specific situation.

Wyoming Statutes, Section 26-19-113, Continuation of group coverage after termination of employment or membership
U.S. Department of Labor, FAQs on COBRA Continuation Health Coverage for Workers
HealthCare.gov, Special Enrollment Period (glossary)
Agency for Healthcare Research and Quality, Medical Expenditure Panel Survey Insurance Component, 2025

Thirty-one days goes quickly

If you have just left a Wyoming employer, the written election and first premium come first. A licensed agent can check your dates and price a Marketplace plan alongside continuation. No charge, no obligation.