Individual / Family Health Insurance

If you donýt receive medical insurance benefits from your Wyoming employer group, then you will want to shop around for an affordable individual / family health health insurance policy. Individual insurance is different than group insurance, as the individual health insurance companies can ýpick and chooseý how they want to treat or cover your pre-existing conditions. Group plans, on the other hand, are required by law to cover all pre-existing conditions according to the specific policy benefits, so thatýs why the premiums are sometimes higher on group plans. There are no similar laws for individual insurance, so the insurance companies can put ýridersý or ýcondition-specific deductiblesý on your pre-existing conditions, but still cover any non-pre-existing conditions according to the policy benefits. The good thing about individual insurance is that itýs almost always more affordable than group insurance for someone who is relatively healthy. One of the most popular forms of individual health insurance these days is a Health Savings Account qualified health insurance plan. WyoHealth.com offers a broad range of quotes from all the major individual health insurance companies in the state, and can guide you through the maze of plan options to find the plan that makes most sense to you and / or your family.

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