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    v1.0.28
    OpenPayerStatesWyoming
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    Wyoming Health Insurance Market Analysis: Market Share, Payer Mix, and Coverage Trends

    Wyoming's health insurance market is dominated by Blue Cross Blue Shield of Wyoming and UnitedHealth Group, with a small number of other insurers holding modest shares. The state's coverage landscape is shaped by employer-based plans and a stable, broad demographic profile.

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    State Overview

    • Total population: 572K

    • Number of counties: 23

    • Private insurance penetration rate: 71.9%

    • Estimated members covered by Blue Cross Blue Shield of Wyoming: 172K

    Insurance Market

    RankInsurerPremium WrittenEstimated Members CoveredMarket Share
    1Blue Cross Blue Shield of Wyoming$670M172K41.7%
    2UnitedHealth Group$330M84.5K20.53%
    3Montana Health Cooperative$164M41.9K10.18%
    4Cigna Health Group$80.1M20.5K4.98%
    5CVS Group

    Frequently Asked Questions

    References

    1. 1.S2703: Private Health Insurance Coverage by Type and Selected Characteristics. U.S. Census Bureau, 2024 American Community Survey 5-Year Estimates. Retrieved Aug 11, 2026.Annual estimates of private health insurance coverage rates by state, broken out by age, income, and plan type — the basis for this page's coverage-rate figures.
    2. 2.2024 Market Share Reports for the Top Accident and Health Insurance Groups and Companies by State and Countrywide. National Association of Insurance Commissioners (NAIC). Retrieved Aug 11, 2026.Ranks the largest accident and health insurance carriers by direct premiums written in each state, used to identify the dominant payers operating there.
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    Trek Health powers OpenPayer with a leading commercial payer intelligence platform, seamlessly converting fragmented payer data into actionable insights for provider organizations.

    Trek Health ingests and normalizes Transparency in Coverage data and payer policy updates to give provider organizations a clear view of how commercial reimbursement behaves across markets, payers, and services. Our platform transforms raw payer disclosures into structured intelligence that supports contract evaluation, payer negotiations, and service line strategy. By combining market benchmarks with ongoing policy visibility, Trek helps teams identify variability, risk, and opportunity in commercial reimbursement. The result is faster insight, stronger negotiating positions, and more informed financial decisions.

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    $59.8M
    15.3K
    3.72%
    6Mutual of Omaha Group$31.4M8.03K1.95%
    7Humana Group$30.7M7.86K1.91%
    8Delta Dental Plan of Wyoming$19.1M4.89K1.19%
    9Sun Life Financial Inc Group$12.6M3.21K0.78%
    10Centene Corp Group$11.9M3.05K0.74%

    Blue Cross Blue Shield of Wyoming is the clear market leader, with a market share exceeding 40%. UnitedHealth Group is the second largest, followed by Montana Health Cooperative and Cigna Health Group. The top five insurers collectively account for over 80% of the market, indicating a highly concentrated payer environment.

    Premium volumes and estimated member counts reinforce the dominance of Blue Cross Blue Shield of Wyoming and UnitedHealth Group. Regional and national insurers such as Montana Health Cooperative, Cigna Health Group, and CVS Group contribute to the remaining share, but their presence is comparatively modest. The market's concentration may influence plan design, pricing, and provider network arrangements.

    Insured Population Demographics

    Coverage TypeCountShare of Privately Insured
    Employer-Based269K65.4%
    Direct-Purchase44.4K10.8%
    TRICARE7.64K1.86%
    CHIP/Subsidized19K4.61%

    The privately insured population in Wyoming is predominantly covered through employer-based plans, which account for nearly two-thirds of all private insurance. Direct-purchase coverage is the next most common, followed by CHIP/subsidized programs and TRICARE, which together make up a smaller portion of the market.

    The demographic profile of Wyoming's insured population reflects a broad age distribution, with significant representation across all age bands. The largest segments are school-aged children and working-age adults, indicating a stable base of coverage among families and the employed population.

    Market Dynamics

    Wyoming's health insurance market is characterized by a high degree of concentration, with Blue Cross Blue Shield of Wyoming holding a dominant position. The top two insurers, Blue Cross Blue Shield of Wyoming and UnitedHealth Group, together control over 60% of the market, underscoring limited competition among payers. The remaining market share is distributed among smaller regional and national insurers, with Montana Health Cooperative and Cigna Health Group being the next largest players.

    Premiums written by the leading insurers reflect their market dominance, with Blue Cross Blue Shield of Wyoming writing the largest volume. The presence of regional cooperatives and national brands like Cigna and CVS/Aetna adds some diversity, but their shares are considerably smaller compared to the top two.

    The insured population is largely covered through employer-based plans, which is typical for states with a strong employment base. Direct-purchase and CHIP/subsidized coverage provide additional options, but their shares are modest. The age distribution of the privately insured population is broad, with substantial coverage among children, young adults, and older working-age groups.

    Overall, Wyoming's insurance landscape is shaped by a small number of dominant payers and a stable, employer-driven coverage mix. The market's concentration may impact plan options and negotiation dynamics, while the demographic spread suggests consistent demand across age groups.

    Top 10 Health Insurers by Market Share in Wyoming
    Privately Insured Population by Age Band in Wyoming