Best Cheap Health Insurance in Wyoming (2025)
Blue Cross Blue Shield (BCBS) has the best and cheapest health insurance in Wyoming. Gold plans from BCBS start at $738 per month before discounts.
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Best and cheapest health insurance in Wyoming
Cheapest health insurance companies in Wyoming
Blue Cross Blue Shield sells the cheapest health insurance plans in Wyoming, followed by UnitedHealthcare and Mountain Health CO-OP, with Gold rates as low as $738 per month before discounts.
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Affordable health insurance in Wyoming
Company |
Cost
| |
|---|---|---|
| Blue Cross Blue Shield | $738 - $831 |
| UnitedHealthcare | $795 - $869 |
| Mountain Health CO-OP | $829 - $887 |
- Blue Cross Blue Shield sells the cheapest Gold plans, with rates starting at $738 per month, no matter where you live in Wyoming. It's also the best health insurance company in Wyoming.
- Gold plans are cheaper than Silver plans in Wyoming. Gold plans also cover more of your medical bills than Silver plans. Combine that with the cheap rates, and they're the best option for most people in WY.
Cheapest if you need lots of medical care: Mountain Health CO-OP
If you go to the doctor often or need expensive treatments, a Mountain Health CO-OP plan could save you money.
Mountain Health CO-OP doesn't have the cheapest rates, but most plans let you pay less overall toward your medical bills. On average, you won't pay more than $5,933 per year toward your medical bills with a Mountain Health CO-OP Gold plan. After that, Mountain Health CO-OP should pay the full cost of covered medical care.
This is called the out-of-pocket maximum. Mountain Health CO-OP has the lowest average out-of-pocket maximum in Wyoming.
Paying more each month for a plan that has low out-of-pocket costs can save you money overall if your medical bills are high. If you buy a cheaper plan from Blue Cross Blue Shield, for example, you could pay up to nearly $8,000 each year before the plan starts paying your bills in full.
Best health insurance companies in Wyoming
Blue Cross Blue Shield (BCBS) sells the best health insurance plans in Wyoming.
Blue Cross Blue Shield gets a perfect 5-star rating from HealthCare.gov for member experience, 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 about 15% fewer claims 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
Company |
Editor rating
|
ACA rating
|
|---|---|---|
| Blue Cross Blue Shield | 2.0 | |
| Mountain Health CO-OP | 2.0 | |
| UnitedHealthcare | NA |
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.
Because only three health insurance companies sell plans on HealthCare.gov in Wyoming, it's a good idea to review all the plans. 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.
Both Blue Cross Blue Shield and Mountain Health Co-Op earned relatively low overall scores from HealthCare.gov. Both companies only have a rating of 2 out of 5 stars, and only 1 star for the quality of their medical care. However, both companies get a perfect 5-star score for customer satisfaction. UnitedHealthcare doesn't yet have a rating in Wyoming. To pick the best company for you, it could be helpful to talk to current customers about their experiences.
How much does health insurance cost in Wyoming?
Health insurance in Wyoming costs an average of $832 per month, but the average cost if you get discounts based on your income is $80 per month.
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- Gold plans are cheaper than Silver plans in Wyoming. Because they have more coverage than Silver plans and are cheaper, Gold plans are the most common plan tier in Wyoming.
- Your rate will 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.
Get affordable health insurance in Wyoming with subsidies
You could pay an average of $80 per month for health insurance in Wyoming if you get discounts based on your income.
Almost everyone in Wyoming who shops on HealthCare.gov qualifies for discounts that make their monthly rate cheaper. These discounts are called subsidies. Close to half of Wyoming residents who get a plan from HealthCare.gov pay $10 or less each month because of subsidies.
You have to make between $15,606 and $60,240 per year if you're single, or between $31,200 and $124,800 per year if you're a family of four. The lower your annual income, the more you'll save on health insurance. If you can get Medicaid, you can't get subsidies.
You can use subsidies to get a cheaper Bronze, Silver or Gold plan from any health insurance company in Wyoming. But you have to buy a plan on HealthCare.gov to get subsidies. If you get a plan directly from an insurance company, you won't be able to get the discount.
Cheap Wyoming health insurance plans by city
Blue Cross Blue Shield has the cheapest health insurance in Cheyenne.
In fact, no matter where you live in Wyoming, Blue Cross Blue Shield sells the cheapest Gold 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
County | Cheapest plan | Monthly rates |
|---|---|---|
| Albany | BCBS BlueSelect Gold Core | $793 |
| Big Horn | BCBS BlueSelect Gold Core | $793 |
| Campbell | BCBS BlueSelect Gold Core | $793 |
| Carbon | BCBS BlueSelect Gold Core | $793 |
| Converse | BCBS BlueSelect Gold Core | $793 |
Cheapest Gold plan with rates for a 40-year-old
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Best health insurance by level of coverage
The best health insurance plan for you is one that fits into your budget and gives you medical coverage that matches your needs.
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 pay for about 80% of your medical care. |
Gold plans cost an average of $832 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 pay for about 70% of your medical care. |
Silver plans cost $895 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, healthy people
| Bronze plans pay for about 60% of your medical care. |
In Wyoming, Bronze plans cost $695 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.
Both Blue Cross Blue Shield and Mountain Health CO-OP sell what are called PPO plans. These plans typically cost more than other plan types, but they're a good option for most people. With a PPO, you have more control over your medical care. You can see any doctor you want and still have some coverage, although you'll pay less when you see a doctor who's in the network. You also don't need a referral to see a specialist with a PPO, which can make it faster to get medical care.
You can get a PPO with a Bronze, Silver or Gold plan in Wyoming.
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.
- 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 depending on why you qualify for Medicaid. For example, a woman who has breast or cervical cancer can qualify for Medicaid if she earns less than $3,138 per month. But a single pregnant woman can only qualify for Medicaid if she makes less than about $2,000 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.
Even though Silver plans are the most expensive plan tier in Wyoming, you can use subsidies to lower your monthly rate.
Are health insurance rates going up in WY?
In 2025, health insurance in Wyoming costs 10% more, on average, than in 2024.
Gold plans, the most popular plan level in the state, went up the most. Prices went up 12% in 2025 vs. 2024. Bronze plans went up by about 10%, while Silver plans went up by about 7%. Rates are expected to go up even more in 2026.
Bronze
Silver
Gold
Year | Cost | Change |
|---|---|---|
| 2022 | $521 | - |
| 2023 | $622 | 19% |
| 2024 | $631 | 1% |
| 2025 | $695 | 10% |
Monthly costs are for a 40-year-old.
Bronze
Year | Cost | Change |
|---|---|---|
| 2022 | $521 | - |
| 2023 | $622 | 19% |
| 2024 | $631 | 1% |
| 2025 | $695 | 10% |
Monthly costs are for a 40-year-old.
Silver
Year | Cost | Change |
|---|---|---|
| 2022 | $764 | - |
| 2023 | $882 | 15% |
| 2024 | $838 | -5% |
| 2025 | $895 | 7% |
Monthly costs are for a 40-year-old.
Gold
Year | Cost | Change |
|---|---|---|
| 2022 | $649 | - |
| 2023 | $753 | 16% |
| 2024 | $741 | -2% |
| 2025 | $832 | 12% |
Monthly costs are for a 40-year-old.
Why is health insurance expensive in WY in 2026?
Higher health care costs are the main reason why health insurance rates are higher 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 want to raise rates by about 27%, on average.
One of the biggest reasons health insurance rates are going up is the high cost for GLP-1 weight-loss drugs. These medications, which include Ozempic and Wegovy, are both expensive and becoming relatively popular. That means they cost health insurance companies a lot of money. Rates go up for everyone to balance out the cost of these medications.
You could also see higher costs in 2026 because insurance discounts might be changing. That's because since 2021, people with low incomes have benefited from bigger discounts called "enhanced subsidies." However, these extra discounts are expiring at the end of 2025, unless Congress renews them. That means the discounts in 2026 won't be as big, which translates to higher rates.
What to do if your rate goes up in 2026
- Get quotes and shop around. Each medical insurance company has different rates, so getting quotes can help you find a cheaper plan. Before you commit to a plan, though, make sure your doctors are in the network.
- Consider a lower-tier plan. Dropping to a lower-tier plan, like Bronze, can help you get a cheaper rate each month. However, you do have to pay more when you go to the doctor, so make sure you have the savings to afford medical care if something serious happens.
- Open an HSA. In 2026, you can open a health savings account (HSA) with a Bronze plan, because Bronze plans are now considered high-deductible health plans. HSAs let you set aside pretax money to use for medical care.
- See if you get discounts. Even though the discounts in 2026 might not be as big as they have been for the last five years, you should still check to see if you qualify. If you can get discounts, they're an easy way to save.
- Check if you can get Medicaid. It's hard to get Medicaid in Wyoming. But if you have a low income, it's worth it to check to see if you qualify. If you can get Medicaid, most of your medical care will likely be free or very cheap.
In Wyoming, you can buy an Affordable Care Act (ACA) plan, sometimes called an "Obamacare" plan, on HealthCare.gov between Nov. 1 and Jan. 15 each year.
No matter what plan tier you buy, your plan has to cover at least 10 health situations.
- Doctor visits
- Prescription medicines
- Emergency services
- Laboratory services
- Hospital stays
- Pregnancy and newborn care
- Mental health care
- Rehab services and devices
- Wellness and chronic disease care
- Pediatric services
The difference in the plans is how much of your bills are covered. For example, both a Bronze plan and a Gold plan will pay for you to go to the emergency room. But a Bronze plan only pays for about 60% of the bill, while a Gold plan pays for about 80%.
Average cost of health insurance by family size in Wyoming
A family of four pays an average of $2,659 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 $498 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.
Family size | Average monthly cost |
|---|---|
| Individual | $832 |
| Individual + Child | $1,329 |
| Couple, age 40 | $1,663 |
| Family of three | $2,161 |
| Family of four | $2,659 |
Averages based on a Gold plan for 40-year-old adults and children who are under age 15.
Short-term health insurance in Wyoming
In January, the Trump administration rolled back a Biden-era rule that would cap short-term health policies at three months. Although there isn't a timeline for when this change will happen, short-term health insurance could be available in Wyoming for up to 364 days at a time later this year.
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
Frequently asked questions
Does Wyoming have Blue Cross Blue Shield?
Yes, Wyoming does have a Blue Cross Blue Shield company. Blue Cross Blue Shield of Wyoming sells the cheapest Gold plans in the state. It's also the best health insurance company in Wyoming because of its excellent customer service and large network of doctors.
What is the average cost of health insurance in Wyoming?
A Gold plan costs an average of $832 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 $895 per month on average, which is $63 more than a Gold plan.
Is health insurance mandatory in Wyoming?
Health insurance is technically required in Wyoming because it's required nationally. But you won't pay a fee anymore if you don't have a policy. Only a few states have fees for not having health insurance, and Wyoming isn't one of them.
Is $200 a month a lot for health insurance in WY?
No, $200 per month is actually pretty cheap for Wyoming health insurance. You could get a plan for $200 or less if you have a low income and you get discounts called subsidies. Otherwise, health insurance costs an average of $651 per month for a 21-year-old with a Gold plan. A 40-year-old pays an average of $832 per month for the same coverage. In Wyoming, Gold plans are cheaper than Silver plans, on average.
Methodology
Wyoming health insurance rates and plan data for 2025 are from the Centers for Medicare & Medicaid Services (CMS) website. ValuePenguin 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. Rates are for a 40-year-old with a Gold plan, unless another age or plan tier is mentioned.
The cost of health insurance plans with subsidies is from CMS data for all shoppers during 2024 open enrollment who got advance premium tax credits (APTCs) on their monthly bills.
Data on rate increase requests made by Wyoming health insurance companies comes from the Peterson-KFF Health System Tracker.
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.
Insurance Writer
Cate Deventer is a ValuePenguin writer who specializes in health insurance, Medicare, auto and home insurance. She's been a licensed insurance agent since 2011.
She started her insurance career working as a customer service agent for State Farm. She later moved to an independent agency, where she worked with several insurance companies and hundreds of clients. She quoted policies, filed claims and answered insurance questions. In 2021, she pivoted her career and began writing about insurance for Bankrate. She moved to ValuePenguin in 2023 and began writing about health insurance and Medicare.
Cate has a passion for helping readers choose insurance to fit their needs. She enjoys knowing that her research and knowledge help people choose insurance products that make a positive difference in their lives.
How insurance helped Cate
Cate used her health insurance knowledge to navigate a surgery in 2023. Understanding how her policy worked let her focus on recovery instead of worrying about bills.
Expertise
- Health insurance
- Medicare
- Auto insurance
- Home insurance
- Life insurance
Credentials
- Licensed Life, Accident and Health Insurance Agent
- Licensed Property & Casualty Insurance Agent
Referenced by
- CBS
- NBC
- Wall Street Journal
Education
- BA, Theatre, Purdue University
- BA, English, Indiana University
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.
