What You'll Lose in Wyoming
Wyoming has consumer protections that: Comparable Federal Rule for AHPs?

Ensure fair insurance premiums for small groups. There are strict limits on:

  • How much insurers can charge sicker groups
  • Premiums for similar employers can only vary +/- 35% from an average rate based on health-status or claims experience

  • Limits on other rating factors: 15% for industry
  • How much insurers can increase an employer's premiums when an employee gets sick
  • 15% limit on annual increases for health status, duration, claims experience

 


No

 

 

 


No

Ensure marketing protections:

  • Insurers must follow detailed requirements for marketing materials

 

No

Ensure appropriate oversight of insurers:

  • State handles complaints from consumers & providers

  • State investigates, oversees, enforces rules (including financial penalties)

 

No

No $

 

Ensure health plans cover important benefits, such as:

  • Mammography screening

  • Diabetes supplies and education

  • Prompt payment rules

 


No

No

No (Self-funded AHPs exempt)

Promote access for the uninsured:

  • Mini-COBRA rules for small employers with fewer than 20 employees

  • Insurers must help fund state high-risk pool

 

No


No