Best Cheap Health Insurance in Wyoming (2024)

With rates as low as $662 per month, the BlueSelect Gold Core plan is the best cheap health insurance in Wyoming.

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Gold plans are cheaper than Silver plans in Wyoming, and they generally pay for more of your medical bills. The BlueSelect Gold Core plan is available no matter where you live in Wyoming, and it's the cheapest Gold plan in every county in the state.

Health insurance costs an average of $741 per month in Wyoming, for a 40-year-old with a Gold plan.

Blue Cross Blue Shield (BCBS) is the best health insurance company in Wyoming. It has cheap rates and excellent customer satisfaction, and it's accepted at most medical offices. It's also the most popular company in Wyoming, making up almost 90% of all health insurance plans in the state.

How much does health insurance cost in Wyoming?

In Wyoming, the average cost of health insurance is $741 per month for a 40-year-old with a Gold plan. Unlike in most other states, it's actually cheaper to buy a Gold plan in Wyoming than a Silver plan. Plus, you get the benefit of having more of your medical bills covered.

Average cost of health insurance in Wyoming by age and plan tier

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Because Gold plans are cheaper than Silver plans, they're the most common plan tier in Wyoming. Your rate will still change based on your age, how many people you insure on your plan, where you live in Wyoming, what company you pick, and whether you smoke or use tobacco.


Cheapest health insurance in Wyoming

The best cheap health insurance plan in Wyoming is the BlueSelect Gold Core plan from Blue Cross Blue Shield. Gold plans pay the highest share of your medical bills. And since they're cheaper than Silver plans in Wyoming, it makes sense for most people to consider a Gold plan.

Tier
Cheapest plan
Monthly cost
Bronze BCBS BlueSelect Bronze Basic $551
Silver BCBS BlueSelect Silver Balance $772
Gold BCBS BlueSelect Gold Core $662

Monthly costs are for a 40-year-old.

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You might be able to get an even lower monthly rate with a discount based on your income. If you are single and make less than about $58,000 per year, or if you're part of a family of four that makes less than $120,000 per year, you likely qualify for monthly rate subsidies that lower the cost of your health insurance. Subsidies can be applied to Bronze, Silver or Gold plans. If you choose a Gold plan and you qualify for subsidies, you could get substantial coverage for a lower price than you would pay for a lower-tier plan.


Finding your best health insurance coverage in Wyoming

The best health insurance plan for you is one that fits into your budget and gives you medical coverage that fits your needs. A good guideline is to buy a higher-tier plan if you have more expensive or complex medical needs because these plans pay for more of your health care bills.

Gold plans: Best for most people

Gold plans pay for the largest portion of your medical bills. They're usually a good idea if you have a chronic or complex medical condition, need expensive treatment or take prescription medications. But in Wyoming, they're the most popular plan level and the best option for most people. That's because they're cheaper than Silver plans, which is uncommon, and give you more coverage.

Silver plans: Best for moderate medical needs

Silver plans give you less coverage than a Gold plan. They're usually cheaper than Gold plans, but that's not the case in Wyoming. Because Gold plans are cheaper, it usually makes more sense to buy the higher-tier Gold plan for a cheaper price.

Bronze plans: Best for young, healthy people

Bronze plans have the cheapest monthly rates. But with a Bronze plan, 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 a higher cost out of pocket if you need medical care.

Medicaid: Best if you have a low income

Medicaid is a good option for health insurance if you have a low income. But it's difficult to qualify for 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, low-income adults with no other qualifications can't get Medicaid.

Wyoming has Medicaid programs for several groups.

  • Children
  • Pregnant women
  • People who are blind
  • People with disabilities
  • Seniors
  • Immigrants
  • Women with breast or cervical cancer
  • People who get Supplemental Security Income (SSI)

The income limits vary based on the program. For an only child to qualify for the Children's Health Insurance Program (CHIP), for example, their parents can make up to about $4,000 per month. But a single pregnant woman can only qualify for Medicaid if she makes less than about $2,500 per month.


Are health insurance rates going up in Wyoming?

Most health insurance plans are cheaper in Wyoming for 2024 compared to 2023. Gold plans, which are the most popular option in the state, cost $12 less per month compared to 2023.

Tier
2022
2023
2024
Change (2023 to 2024)
Bronze$521$622$6311%
Silver$764$882$838-5%
Gold$649$753$741-2%

Monthly costs are for a 40-year-old.

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Best cheap health insurance companies in Wyoming

Blue Cross Blue Shield is the best health insurance company in Wyoming.

It has low average rates and sells the cheapest Gold plan throughout the state. BCBS also has excellent customer satisfaction and is accepted by most doctor offices.

Cheapest health insurance companies in Wyoming

Company
Cost
BlueCross BlueShield  logo
BCBS$728
Mountain Health Co-Op logo
Mountain Health Co-Op$772

Average monthly cost for a 40-year-old buying a Gold plan in WY.

Because only two health insurance companies sell plans on HealthCare.gov in Wyoming, it's a good idea to review the plans available from both companies. While 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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Both Blue Cross Blue Shield and Mountain Health Co-Op have relatively low scores from HealthCare.gov. BCBS has a rating of 2 out of 5 stars. Mountain Health Co-Op has a slightly higher rating of 3 out of 5 stars. To pick the best company for you, it could be helpful to talk to current customers about their experiences.


Cheapest health insurance plan by Wyoming county

Throughout Wyoming, the BlueSelect Gold Core plan is the cheapest Gold option. But that doesn't necessarily mean it will be the cheapest option for you since health insurance rates vary based on more than just where you live. Compare the plans in your area and make sure you think about your medical needs as well as your budget when you choose a plan.

County
Cheapest Gold plan
Monthly rate
AlbanyBCBS BlueSelect Gold Core$712
Big HornBCBS BlueSelect Gold Core$712
CampbellBCBS BlueSelect Gold Core$712
CarbonBCBS BlueSelect Gold Core$712
ConverseBCBS BlueSelect Gold Core$712
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Cheapest Gold plan with rates for a 40-year-old


Average cost of health insurance by family size in Wyoming

A family of four pays an average of $2,369 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 $444 per month. Age doesn't start to affect rates until a child turns 15. After that, their health insurance rate will be higher each year.

Family size
Average cost
Individual and child$1,185
Couple, age 40$1,482
Family of three (adult couple and a child)$1,926
Family of four (adult couple and two children)$2,369
Family of five (adult couple and three children)$2,813

Short-term health insurance in Wyoming

A short-term health insurance plan can give you coverage for a year at a time. You can't keep the plan for more than three years in a row, but it can be a good option if you only need coverage for a small amount of time, like between jobs.

However, short-term health insurance plans aren't a good option for longer-term needs. They don't have the same level of coverage as a plan from HealthCare.gov does. If you need a plan for a year or more, it's probably better to buy coverage from HealthCare.gov.


Frequently asked questions

What's the best health insurance company in Wyoming?

Blue Cross Blue Shield is the best health insurance company in WY because of its low average rates and high customer satisfaction. But there are only two health insurance companies to choose from on HealthCare.gov in Wyoming: BCBS and Mountain Health Co-Op. It's a good idea to compare plans from each company to find the best option for you.

How much does health insurance in Wyoming cost per month?

A Gold plan costs an average of $741 per month for a 40-year-old in Wyoming. Typically, Silver plans are a good tier to use for average rates, but in Wyoming, Gold plans are cheaper. A Silver plan costs $838 per month on average, which is $97 more than a Gold plan.

What's the lowest income to qualify for Obamacare in Wyoming?

Anyone can buy Obamacare coverage on HealthCare.gov, no matter what they make. But to qualify for rate subsidies, which lower the monthly cost of a plan, you have to make less than about $58,000 per year if you're single or $120,000 per year as a family of four.

Methodology

Wyoming health insurance rates and plan data for 2024 are from the Centers for Medicare & Medicaid Services (CMS) website. Our experts used the CMS public use files (PUFs) to average health insurance rates across a variety of factors such as age, plan tier, county and family size. Plans and providers for which county-level data was included in the CMS Crosswalk file were used in our analysis; those excluded from this data set may not appear. Other sources include Kaiser Family Foundation.

Editorial Note: The content of this article is based on the author's opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.