Health Insurance
Individual, family, Medicare, and short-term plans. We decode deductibles, networks, and premiums so you choose confidently.
Learn about health plans A regional agency licensed across the Mountain West
Insurance made clear, coverage made certain.
Health and auto insurance can feel overwhelming. Port Bay Insurance is your local, independent guide — we compare the market, explain your options in plain language, and stand beside you when it matters most.
20+ Years of experience
40+ Carrier partners
4,000+ Families protected
Independent & local
We work for you — not for any single insurance company.
Trusted partners & carriers
Meridian HealthCascade MutualFrontier AutoSummit LifeHarbor Care
What we do
Two coverages. One dedicated advocate.
Whether you’re protecting your family’s health or the car in your driveway, we build a plan around your life — your budget, your risks, your peace of mind.
Auto Insurance
Liability, collision, comprehensive, and full coverage. We shop dozens of carriers to find the right protection at the right price.
Learn about auto coverage
Health Insurance Explore health coverage
Coverage that protects what matters most.
From your first job to retirement, your health needs change. We help you navigate open enrollment, life events, and the fine print — matching you to a plan that fits both your care and your budget.
Individual & Family ACA marketplace & private plans
Medicare Advantage, Supplement & Part D
Short-Term Bridge coverage between jobs
Dental & Vision Add-on plans for the whole family
Auto Insurance Explore auto coverage
Confidence for every mile of the road.
One accident shouldn’t upend your finances. We compare rates across dozens of carriers and tailor coverage to how you actually drive — so you’re never over-paying or under-protected.
Liability Meet & exceed every state’s requirements
Collision & Comprehensive Repair, theft, hail & weather
Bundled Savings Pair with home & renters
Roadside & Rental Coverage when life happens
How it works
A simple path to the right coverage.
01
We listen
A no-pressure conversation about your life, your household, and what keeps you up at night.
02
We compare
We shop 40+ carriers and lay out your best options side by side — in plain English.
03
We stay
Claims, renewals, life changes — you have a real person to call, year after year.
About Port Bay
A local agency built on trust, not transactions.
Port Bay Insurance was founded on a simple belief: insurance should make people feel secure, not confused. We’re an independent, regional agency headquartered in Sheridan and licensed across the Mountain West — serving families and businesses in Wyoming, Montana, Colorado, Idaho, and beyond, and answering only to our clients, never to a single carrier.
That independence means we can put the whole market to work for you, and the plain-spoken guidance we’re known for means you’ll always understand exactly what you’re buying and why.
Independent We work for you
Multi-State Licensed across the Mountain West
Licensed Health & property/casualty
Meet the team
The people in your corner.
Licensed across the region and genuinely glad to help. When you call Port Bay, you reach someone who knows your name.
Margaret Ellison
Founder & Principal Agent20 years guiding families across the region through health coverage.
David Okafor
Auto & Property SpecialistFinds the coverage that fits how you really drive.
Sarah Whitfield
Medicare AdvisorMakes Medicare’s alphabet soup finally make sense.
James Reyes
Client Care ManagerYour first call for claims, renewals, and questions.
Client stories
Families across the region who trust us.
Margaret walked my parents through Medicare with the patience of a saint. We finally understood every option before deciding.
They found me better auto coverage for less than I was paying. When I had a claim, David handled everything.
As a self-employed family, health insurance was a nightmare. Port Bay made it simple and saved us thousands.
Resources
View all resources Guidance worth reading.
Health
Deductibles, premiums, copays, and out-of-pocket max: health insurance terms explained
The four numbers that decide what a health plan really costs you — and how they work together — explained in plain English
Read more
Medicare
Turning 65? Your Medicare enrollment timeline explained
Medicare has strict enrollment windows, and missing one can cost you for years. Here's the timeline around your 65th birthday, step by step.
Read more
Auto
How much auto insurance coverage do you really need?
State minimums are a floor, not a plan. Here's how to think about the auto coverage that actually protects your family and your finances.
Read more Get in touch
Let’s find your coverage. Give us a call.
No phone trees, no pressure — just a knowledgeable local advisor ready to help you understand your options.
(866) 827-4241 Visit 30 N Gould St, Sheridan, WY 82801
Email hello@portbayinsurance.com
Hours Mon–Fri, 8:00a–6:00p MT