State: Beware of unlicensed health coverage marketed by LifeX Research Corporation
SUNDANCE (WNE) — The Wyoming Department of Insurance is warning residents against enrolling in health coverage marketed by LifeX Research Corporation.
LifeX Research Corporation is not licensed to sell insurance products in Wyoming. The DOI has received complaints that consumers were told they could obtain health coverage through LifeX by becoming LifeX “employees.”
This misleading strategy is used to bypass insurance regulations. LifeX plans have also been associated with Benefit Health Plan, Inc., Benefit Logistics Captive Insurance Company and similar plans sold by Detego.
Consumers are often falsely told that coverage will be backed by well-known national insurers. Because these plans are not recognized as major medical insurance, hospitals, clinics and doctors are regularly rejecting the insurance cards.
As a result, consumers are left entirely responsible for large medical bills, with some cases reaching tens of thousands of dollars.
“These companies are not licensed to sell insurance in Wyoming. There is a real chance the plans will not be accepted, and the consumer could be billed for these services,” said Wyoming Insurance Commissioner Jeff Rude.
The department advises consumers to be wary of sales representatives who use high-pressure sales tactics, mention mandatory association or application fees, withhold company or policy details or make claims that major national insurers back the policies.
When speaking with sales representatives, ask for their license number and get full details on the exact coverage, who is selling the product, and the company underwriting the plan before committing to purchase.
The department encourages consumers to use Healthcare.gov to shop the marketplace.
Those who have purchased a plan from LifeX, Detego, or a similar entity or wish to verify that an agent or company is licensed to operate in Wyoming please contact the DOI at 307-777-7401 or https://doi.wyo.gov/home.
This story was published on Nov. 5, 2026.
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