Best Cheap Health Insurance in Wyoming (2026)

Best and cheapest health insurance in Wyoming

Cheapest health insurance companies in Wyoming

Affordable health insurance in Wyoming

Best health insurance companies in Wyoming

Blue Cross Blue Shield gets a good 4-star rating from HealthCare.gov for plan administration, despite having a low 2-star rating overall. This means that Blue Cross Blue Shield tends to have good customer service. Additionally, the company gets fewer complaints than expected. Picking a company with good service might make things easier if you have questions or problems with your plan.

Best-rated health insurance companies in Wyoming

You can use a BCBS plan at most doctor offices and hospitals. This makes it easier to get medical care, especially in rural areas. Plus, Blue Cross Blue Shield has the cheapest rates for Gold plans in Wyoming.

Only two health insurance companies sell plans on HealthCare.gov in Wyoming. Although a smaller number of companies means fewer plan choices, it can also make it easier to compare all the options and choose the right company and plan for you.

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How much does health insurance cost in Wyoming?

A UnitedHealthcare plan isn’t good for most people

For a UHC Gold plan, you’ll pay about $120 to $150 more each month, on average. This is so pricey that any savings you’d get from a smaller average deductible or a lower out-of-pocket maximum wouldn’t matter: You’d end up paying more overall.

A UHC plan might be good only if the doctors you want aren’t in network for BCBS. However, BCBS has the largest doctor network in the country.

Health insurance discount changes in Wyoming for 2026

For people who can get subsidies, rates could rise from about $182 in 2025 to $378 in 2026. That's because the bigger discounts called "expanded subsidies" aren’t likely to be renewed for 2026.

While you may still be able to pay less than full price for health insurance based on your income, you’ll very likely pay more than last year.

Health insurance rates in Wyoming after subsidies (2025 vs. 2026)

Cheap Wyoming health insurance plans by city

In fact, no matter where you live in Wyoming, Blue Cross Blue Shield sells the cheapest Gold, Silver and Bronze health plans.

But just because a plan is cheap doesn't mean it's the best plan for you. Review all your options and pick the plan that most closely matches your monthly budget and your medical needs.

Cheapest health insurance plans by WY county

Best health insurance by level of coverage

A good guideline is to buy a higher-tier plan, like Gold, if you have more expensive or complex medical needs because these plans pay for more of your health care bills. And in Wyoming, Gold plans are a good option because they have lower rates than Silver plans.

Gold plans: Best for most people

Gold plans cost an average of $1,060 per month in Wyoming.

Gold plans pay for the largest portion of your medical bills. In Wyoming, they're cheaper than Silver plans, which is uncommon, and they give you more coverage. Gold is the most popular plan level in Wyoming and the best option for most people.

In other states, Gold plans are usually a good idea if you have a chronic or complex medical condition, need expensive treatment or take prescription medications.

Silver plans: Best if you have a low income

Silver plans cost $1,119 per month, on average, in Wyoming.

Silver plans give you less coverage than a Gold plan. In Wyoming, they're more expensive than Gold plans, which means they're not the best option for most people.

But if you have a low income, Silver plans can be a good option. That's because you might get an extra discount that lets you pay less when you go to the doctor. This discount can make your Silver plan even better than a Gold plan and cheaper overall.

Bronze plans: Best for young, generally healthy people

In Wyoming, Bronze plans cost $870 per month, on average.

Bronze plans have the cheapest monthly rates, but you have to pay a larger share of your medical bills. If you're young and healthy, these plans can be a good choice. Just make sure you have the money in the bank to pay the high out-of-pocket maximum if you need medical care.

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Cheap or free health insurance in Wyoming if you have a low income

Medicaid is a good option for coverage if you can't afford to buy a plan. And if you can't get Medicaid, a Silver plan can be a good idea. You might be able to get a few discounts that make your rate and medical bills cheaper.

Medicaid in Wyoming

Medicaid is a good option for low-cost or free health insurance if you have a low income.

But it's difficult to get Medicaid in Wyoming because the state hasn't expanded its program like most other states. You only qualify if you meet the income requirements and fit into another category. For example, adults who have a low income but don't have any other qualifications can't get Medicaid.

Wyoming has Medicaid programs for several groups.

The income limits vary depending on why you qualify for Medicaid. For example, a person with breast or cervical cancer can qualify for Medicaid if they earn less than $3,260 per month. But a single pregnant person can only qualify for Medicaid if they make less than about $2,009 per month.

Use cost-sharing reductions for cheaper medical care

If you can't get Medicaid, a Silver plan can be a good option. Silver plans have an extra discount for people with low incomes. They're called cost-sharing reductions, and they let you spend less when you go to the doctor. If you qualify, your Silver plan might even pay for more of your medical bills than a Gold plan.

You must make between $15,650 and $39,125 as an individual, $21,150 and $52,875 as a couple or $32,150 and $80,375 as a family of four to qualify for this type of discount.

Even though Silver plans are the most expensive plan tier in Wyoming, you can use subsidies to lower your monthly rate.

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Are health insurance rates going up in WY in 2026?

Silver and Bronze plans went up by about 25% for 2026. Gold plans, the most popular level of health plan in the state, went up the most: 27%. Over five years, the cost for a Gold plan has increased by 63%.

Why is health insurance expensive in WY in 2026?

When health care gets more expensive, medical insurance companies pay more every time you go to the doctor or get a prescription. The extra costs add up when they're multiplied over hundreds of thousands or even millions of customers. To make up for it, companies raise rates for everyone. In Wyoming, health insurance companies are raising rates by about 26% on average.

Health insurance rates are higher in 2026 because insurance discounts are changing. Since 2021, people with low incomes have benefited from bigger discounts called "enhanced subsidies." However, Congress hasn’t renewed them. That means the discounts in 2026 are smaller, which translates to higher rates.

What to do if your rate goes up in 2026

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Average cost of health insurance by family size in Wyoming

A family of four pays an average of $3,389 per month for a Gold plan in Wyoming, assuming the children are both under age 15. Children under 15 are charged a flat rate of about $634 per month. Age doesn't start to affect rates until a child turns 15. After that, their medical insurance rate will be higher each year.

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Short-term health insurance in Wyoming

Wyoming currently follows a Biden-era rule that caps short-term health policies at four months total in a 12-month period, including renewals. In January, the Trump administration rolled back this rule, so Wyoming may change how long short-term policies last in the future. Other states allow short-term health insurance to last up to 364 days at a time.

A short-term health insurance plan can be a good idea if you only need coverage for a short time period, like between jobs. But you can usually get better coverage with a plan from HealthCare.gov.

Pros of short-term health insurance in Wyoming

Cons of short-term health insurance in Wyoming

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Health insurance enrollment by income level in Wyoming

The expanded health care subsidies were made to help people with smaller incomes afford insurance. In Wyoming in 2025, over half of people with a marketplace plan made less than $37,651 in a year. Without those expanded discounts, health insurance rates may be unaffordable to some in the Cowboy State.

Enrollment by income

Frequently asked questions

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Methodology

Wyoming health insurance rate data for 2026 is from the Centers for Medicare & Medicaid Services (CMS) website. ValuePenguin used the CMS public use files to find average rates for different plan tiers, geographic locations and family sizes.

Rates

Rates are based on a 40-year-old with a Gold plan, unless otherwise noted. Rates for Bronze plans include regular and Expanded Bronze plans for 2024, 2025 and 2026, when the plans are available. Your costs and plan options will vary; plans aren't always available in all parts of a state or county.

Subsidies

Rates after subsidies are estimates for a 40-year-old with a Benchmark Silver plan and are based on how subsidies were structured before 2021. Prices are calculated using KFF's rates for full-price Benchmark plans, federal poverty levels (FPLs), IRS rules about premium tax credits and Congressional reports about expanded tax credits. The total cost in the state uses rates calculated by income, which are weighted using CMS data on the incomes of those who purchased plans during 2024-2025 open enrollment. The median was used for each income range. Unknown incomes were excluded from the calculations. Incomes of 100% of the federal poverty line and 500% of the federal poverty line were assumed for enrollees who earn less than 100% FPL and more than 500% FPL, respectively. Information about state subsidies, when available, was sourced from state marketplaces.

Ratings

ValuePenguin's experts rank companies based on cost, coverage options, customer satisfaction and unique value. Ratings are out of 100 possible points. ACA ratings show how the company performs in Wyoming for medical care, member experience and plan administration. The 2026 plan quality data from CMS is based on data from the previous year. Ratings are not available for new plans or plans with low enrollment.

More sources

Enrollment trends, including plan selections by tier and enrollment by income, are from CMS data for the 2024-2025 open enrollment period. Info about the most popular plan level in Wyoming is from KFF. Other sources include the National Association of Insurance Commissioners (NAIC) and S&P Global Capital IQ.