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Employee Health Benefits in Wyoming

Wyoming Statutes § 26-19-113 requires a non-COBRA group policy to offer continuation after employment, membership, or eligibility ends. The employee must have three months of continuous prior coverage, elect and pay within 31 days, and may continue for up to 12 months at no more than 102% of the group rate. 1,2

What Is Employee Health And Benefits?

Employer health benefits give eligible staff access to medical care through a group plan or another employer arrangement. When setting a budget or renewing, compare eligibility, provider networks, employee contributions and total cost. Read the national Employee health and benefits guide.

What to Watch for in Wyoming

  • Check the non-COBRA limit and three-month history

    Wyoming’s state provision covers non-COBRA group policies and requires three months of continuous prior coverage. Have the carrier establish which continuation law applies and verify coverage under a predecessor group policy if relevant. 1

  • Send the written election and payment within 31 days

    The employee must submit the written request and first advance contribution within 31 days after coverage would otherwise end. Send the election to the recipient designated in writing by the employer and retain a timestamped copy. 1

  • Compare continuation and conversion before the deadline

    Continuation can last up to 12 months and cost up to 102% of the group rate; the statute also provides a conversion option after continuation ends. Request both prices and application steps early. 1,2

Who Regulates Insurance in Wyoming

Wyoming Department of Insurance

The Wyoming Department of Insurance administers Wyoming insurance laws, oversees insurers and insurance producers within its authority, and provides regulatory and consumer resources. You can use the department's complaint process to raise an insurance issue and its licensing resources to check insurance professionals. 3,4,5

Surplus-lines tax and stamping office

Reported tax rate: 3% of premium The NAIC's state chart lists a 3% of premium charge for surplus-lines coverage for Wyoming (the chart's state entries were reviewed in October 2025). Your broker may collect the applicable amount with the premium. Surplus-lines insurers are not licensed in the state and generally are outside state guaranty-association protection; ask your broker to explain the insurer's financial protections and any diligent-search requirement that applies to your placement. 6,7

Providers With Documented State Licenses

No provider in Spot’s research documents both a state license record and this coverage line. This does not establish that providers are unlicensed. Check the regulator’s license lookup and confirm availability with a provider when requesting a quote.

Questions to Ask Before You Buy in Wyoming

  1. Which Wyoming group-plan rules apply to this employer and funding arrangement?
  2. What dates, notices, premiums, and benefits does the carrier require for a continuation election?
  3. Which employees and dependents are eligible, and how does the plan document confirm that?

Employee Health And Benefits in Wyoming: FAQ

What state-specific coverage issue should a buyer check first? 1,2

Wyoming Statutes § 26-19-113 requires a non-COBRA group policy to offer continuation after employment, membership, or eligibility ends. The employee must have three months of continuous prior coverage, elect and pay within 31 days, and may continue for up to 12 months at no more than 102% of the group rate. 1,2

What should the buyer request from the carrier? 1,2

Continuation can last up to 12 months and cost up to 102% of the group rate; the statute also provides a conversion option after continuation ends. Request both prices and application steps early. 1,2

Employee Health And Benefits in Other States

Other Coverage in Wyoming

Sources

  1. Wyoming Statutes § 26-19-113 — Continuation of Group Coverage. Wyoming Legislature; Non-COBRA insured group continuation: 3 months prior coverage; election and first payment within 31 days; up to 12 months; premium capped at 102%. Accessed 2026-09-29.
  2. Health Insurance. Wyoming Department of Insurance; State regulator consumer information and insurance assistance. Accessed 2026-09-29.
  3. Wyoming Department of Insurance. Wyoming Department of Insurance; Official regulator website; insurance oversight and consumer/professional resources. Accessed 2026-09-28.
  4. Insurance Department Directory. National Association of Insurance Commissioners; Wyoming Department of Insurance entry; official contact and website listing. Accessed 2026-09-28.
  5. Surplus Lines Insurance Premium Taxes. National Association of Insurance Commissioners; WY row; state surplus-lines premium-tax rate reviewed October 2025. Accessed 2026-09-28.
  6. Guaranty Associations & Funds. National Association of Insurance Commissioners; Coverage of claims from insolvencies of insurers licensed in a state; surplus-lines insurers are nonadmitted. Accessed 2026-09-28.
  7. Licenses. At-Bay; Current producer introduction and state table; At-Bay Insurance Services LLC; P&C and surplus-lines identifiers. Accessed 2026-09-21.
  8. Licenses and Carriers. Coalition; Licenses and Carriers, re-read 22 September 2026: Insurance Licenses table for Coalition Insurance Solutions, Inc., national producer number 18419475, with producer and surplus-lines numbers for all 50 states and DC including California 0L76155, Georgia 196479, Texas 2199630 and 2205589, Pennsylvania 815731 and 817452, Colorado 539028 and Wisconsin 3000108852. Insurance Carriers table naming, with NAIC numbers, Allianz Underwriters Insurance Company 36420, Arch Specialty Insurance Company 21199, Ascot Specialty Insurance Company 45055, Ascot Insurance Company 23752, Aspen Specialty Insurance Company 10717, Chaucer Insurance Company DAC, Coalition Insurance Company 29530, Fireman's Fund Indemnity Corporation 11380, Fortegra Specialty Insurance Company 16823, Lloyd's of London, MSIG Specialty Insurance USA Inc. 34886, MS Transverse Specialty Insurance Company 41807, Steadfast Insurance Company 26387, Vantage Risk Specialty Insurance Company 16275 and Zurich American Insurance Company 16535. Accessed 2026-09-22.
  9. Insurance Producer Licenses. Corgi Insurance; Current complete Insurance Producer Licenses table for Corgi Insurance Services, Inc.; 50 rows covering 49 states and DC (DC 3003091619); no New Mexico row; no NPN or as-of date shown. Accessed 2026-09-28.
  10. About Hiscox US Insurance. Hiscox; Hiscox Insurance Company Inc. NAIC 10200 as Chicago, IL domiciled insurer admitted or licensed in all 50 states and D.C.; Hiscox Inc. as general agent and Lloyd’s coverholder for Syndicates 33 and 3624; surplus-lines placements through licensed surplus-lines brokers; A.M. Best rating statement. Accessed 2026-09-16.
  11. Licenses. ERGO NEXT Insurance; Current entity-by-state license table reopened 28 September 2026: 50 rows under Next First Insurance Agency, Inc., including Washington, DC; New York rows instead list Next Insurance Services PC-1423070 and AP Intego BR-1198885. Accessed 2026-09-28.
  12. Insurance Licenses by State. TechInsurance; Current state table; identifies TechInsurance as a division of Specialty Program Group LLC d/b/a SPG Insurance Solutions; lists DC 3000041536 and labels Rhode Island “Individual licenses,” without an agency license number. Accessed 2026-09-28.
  13. Licenses. Vouch; Effective 16 January 2025: Vouch Specialty Insurance Services, LLC, NPN 19926463; P&C table (50 states and DC); surplus-lines table includes Idaho 870820; footnote says Georgia and Idaho do not issue agency-level surplus-lines licenses; Idaho retained as producer-only due to conflict. Accessed 2026-09-15.

Updated .

This guide is informational and does not determine whether a policy is available or meets your needs. Editorial policy. To suggest a correction, contact Spot with a supporting source.

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