Best Health Insurance in Wyoming (2026)

Key Takeaways

UnitedHealthcare provides the best EPO plans, while Blue Cross Blue Shield has the best PPO plans in the state.

Blue Cross Blue Shield offers the cheapest health insurance in Wyoming while maintaining competitive deductibles and out-of-pocket maximums.

Compare quotes from multiple insurers, review coverage limits and deductibles and verify your doctors accept the plan before enrolling.

Best Health Insurance Companies in Wyoming

Wyoming’s Health Insurance Marketplace is one of the most limited in the country, with only two insurers offering ACA-compliant plans. UnitedHealthcare is the best health insurance company for EPO coverage with competitive pricing and cost protection, while Blue Cross Blue Shield is the state’s sole PPO option, appealing to residents who want broader provider access and greater flexibility when choosing doctors.


Blue Cross Blue Shield	$1,070	$5,903	$2,776	5.0	Blueselect Silver Standard Without Kid'S Dental
UnitedHealthcare	$1,170	$6,070	$2,748	5.0	Uhc Silver Standard (No Referrals)

Our picks reflect the best companies for 40-year-olds seeking Silver-tier plans. Rates vary by age and coverage level.

Blue Cross Blue Shield

MoneyGeek Rating

5/ 5

5/5Affordability

5/5Deductible

5/5MOOP

Average Monthly Rate
$1,070
Average MOOP
$5,903
Average Deductible
$2,776

pros
- Established brand presence with statewide coverage
- Deductibles as low as $1,208 on Gold plans
- PPO network structure provides broader provider access
cons
- Bronze plans carry high $7,950 deductibles and MOOP limits
Blue Cross Blue Shield offers the only PPO plans in Wyoming across Bronze, Expanded Bronze, Silver, and Gold tiers. Gold plans cost $980 monthly with HSA eligibility and a $2,000 deductible, or $998 monthly without HSA eligibility but a lower $1,208 deductible. Silver plans run $1,070 monthly with $2,776 deductibles. Bronze coverage starts at $769 monthly and includes HSA eligibility. The nationwide PPO network provides out-of-network care access, which matters in Wyoming's rural areas where provider choice is limited.
Blue Cross Blue Shield health insurance plans in Wyoming:
Data filtered by:
Metal Level
Bronze
Blueselect Bronze Basic $769 PPO Bronze $7,950 $7,950 Yes


Blueselect Bronze Basic	$769	PPO	Bronze	$7,950	$7,950	Yes

UnitedHealthcare

MoneyGeek Rating

5/ 5

5/5Affordability

5/5Deductible

5/5MOOP

Average Monthly Rate
$1,170
Average MOOP
$6,070
Average Deductible
$2,748

pros
- National carrier infrastructure with extensive network and resources
- Gold plans feature low $1,313 deductibles
- HSA-eligible Expanded Bronze
cons
- EPO-only network requires in-network care
UnitedHealthcare offers EPO plans in Wyoming from Expanded Bronze through Gold tiers. Gold plans cost $1,112 monthly with $1,313 deductibles and $5,775 out-of-pocket maximums. Silver coverage runs $1,170 monthly with $2,748 deductibles. Expanded Bronze plans cost $910 monthly and include HSA eligibility but carry $5,438 deductibles.

UnitedHealthcare's nationwide network and member resources work well for residents who want a recognizable carrier name. The EPO structure requires in-network care, unlike Blue Cross Blue Shield's PPO plans that cover out-of-network providers.

UnitedHealthcare health insurance plans for 2026:

Data filtered by:


Uhc Bronze Value Hsa (No Referrals)	$898	EPO	Expanded Bronze	$6,225	$5,250	Yes
Uhc Bronze Standard (No Referrals)	$890	EPO	Expanded Bronze	$7,500	$5,625	Yes
Uhc Bronze Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, No Referrals)	$917	EPO	Expanded Bronze	$7,950	No Data	Yes
Uhc Bronze Copay Focus+ $0 Indiv Med Ded ($0 Virtual Urgent Care, Dental + Vision, No Referrals)	$935	EPO	Expanded Bronze	$7,950	No Data	Yes

Best Health Insurance in Wyoming by Category

Health insurance in Wyoming varies by age, metal level and network structure, with cost differences between PPO and EPO plans. When comparing Silver-tier coverage, a clear leader emerges by age group and plan type. Across every age group, Blue Cross Blue Shield offers the lowest premiums through its PPO plans, while UnitedHealthcare’s EPO options are more expensive, particularly for older adults.

By Age Group:

Teens (18): Blue Cross Blue Shield PPO ($765 monthly), UnitedHealthcare EPO ($836)
Young adults (26): Blue Cross Blue Shield PPO ($857 monthly), UnitedHealthcare EPO ($937)
Adults (40): Blue Cross Blue Shield PPO ($1,070 monthly), UnitedHealthcare EPO ($1,170)
Seniors (60): Blue Cross Blue Shield PPO ($2,273 monthly), UnitedHealthcare EPO ($2,484)

By Network Type (40-year-olds):

PPO: Blue Cross Blue Shield is the sole PPO provider at $1,070 monthly
EPO: UnitedHealthcare is the only EPO provider at $1,170 monthly

Compare Wyoming Health Insurance Providers

Wyoming health insurance costs differ by provider, metal tier and plan structure, making side-by-side comparisons in a limited marketplace. The table below lets you filter plans by age, coverage level, network type and HSA eligibility, helping you quickly identify options that best match your health care needs, provider preferences and budget.

Data filtered by:


UnitedHealthcare	$1,170	EPO	Silver	$6,070	$2,748	40	No
Blue Cross Blue Shield	$1,070	PPO	Silver	$5,903	$2,776	40	No

How to Choose the Best Health Insurance in Wyoming

Finding the right health insurance in Wyoming involves evaluating your coverage needs, researching insurer reliability and exploring available enrollment periods.

1
Assess your health care needs
Review your current medications, planned procedures and how often you visit doctors to determine which coverage level makes sense. Past medical expenses help predict future costs and guide your deductible choice.
2
Compare quotes from multiple insurers
Request rates from at least three Wyoming health insurance companies to spot price differences and coverage variations.
3
Check provider networks
Verify your preferred doctors, specialists and hospitals accept plans you're considering. Out-of-network care costs more and may require full payment upfront.
4
Review out-of-pocket maximums and deductibles
Higher deductibles lower monthly premiums but increase upfront costs when you need care. Your MOOP caps annual expenses, limiting your total costs.
5
Evaluate plan types
HMOs, PPOs, EPOs and POS plans each offer different trade-offs. HMOs require referrals but cost less, while PPOs offer flexibility to see specialists without approval at higher premiums. EPOs and POS plans fall between these options.
6
Explore federal programs
Subsidies and Medicare plans make health insurance more affordable. If you have a low income, a qualifying disability or are 65 or older, explore Medicare Advantage and Medicare Supplement options.

How Much Does Health Insurance Cost in Wyoming?

Wyoming health insurance costs vary by plan type, metal tier, age and location. PPO plans offer the cheapest rates, with Bronze coverage starting at $769 monthly and Gold at $989. EPO plans are more expensive, ranging from $1,170 for Silver to $1,112 for Gold tiers.


EPO	No Data	$910	$1,170	$1,112
PPO	$769	$849	$1,070	$989

*Rates are averages for 40-year-olds in Wyoming. Your rates will vary based on your age and location.

Best Health Insurance in Wyoming: Bottom Line

Blue Cross Blue Shield and UnitedHealthcare are the best health insurance providers in Wyoming. The right plan depends on your age, budget, health needs and network preferences. Get quotes from multiple insurers and compare premiums, deductibles and out-of-pocket maximums to find your best option.

Best Wyoming Health Insurance: FAQ

Popular questions about finding the best health insurance in Wyoming:

Is health insurance required in Wyoming?

No, Wyoming doesn't require residents to have health insurance. The state has no individual mandate or tax penalty for being uninsured. Residents can still access federal subsidies through the health insurance marketplace to make coverage more affordable if they qualify based on income.

When is open enrollment in Wyoming?

Wyoming's open enrollment period for 2026 health coverage begins November 1, 2025, and ends January 31, 2026. You must select a plan by December 31, 2025, to have coverage start January 1, 2026.

Can you get free health insurance in Wyoming?

Wyoming residents can access free health insurance through Medicaid if they meet income requirements. Many others qualify for premium subsidies through the federal marketplace that significantly reduce monthly costs. Low-income families and individuals often receive coverage at no cost through these programs.

Our Review Methodology

Our rankings prioritize factors that impact costs: monthly premiums, out-of-pocket maximums and deductibles.

Scoring methodology:

Monthly premium (60%): Companies with the cheapest average monthly costs receive the top scores.
Maximum out-of-pocket (MOOP) score (20%): MOOP is the most you'll pay for covered services in a year, not including premiums. Insurers with lower MOOP limits earn better ratings.
Deductible (20%): This amount must be paid before your plan starts covering costs. Plans with smaller deductibles get higher scores.

We standardized all scores within each plan category. The best-performing Silver-tier HMO plan earns a perfect 5.0 rating, with other plans scored relative to this top performer.

MoneyGeek examined every 2026 health plan offered in Wyoming for people ages 18, 26, 40, 50 and 60. Premium costs shown reflect 40-year-old rates unless specified otherwise. Our analysis covers all available metal tiers: Catastrophic, Bronze, Expanded Bronze, Silver, Gold and Platinum.

About Mark Fitzpatrick

Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in CNBC, NBC News and Mashable.

Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!

He writes about economics and insurance, breaking down complex topics so people know what they're buying.

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