Blue Cross Blue Shield offers the cheapest health insurance in Wyoming at $1,032 monthly, saving residents $54 compared to the statewide average. UnitedHealthcare follows at $1,177 monthly. Wyoming's limited health insurance market features just two major providers, making Blue Cross Blue Shield the choice for budget-conscious residents across most categories.
Cheapest Health Insurance in Wyoming (2026)
Updated: December 22, 2025
Advertising & Editorial Disclosure
Key Takeaways
Blue Cross Blue Shield offers Wyoming's most affordable health insurance at $1,032 monthly, followed by UnitedHealthcare at $1,177, creating a clear two-provider market for residents seeking budget-friendly coverage.
Blue Cross Blue Shield offers the lowest premiums for young adults, children, seniors, teens and adults, plus leading PPO plan rates, while other insurers compete for specialized plan types like HMO and EPO coverage.
Cheapest Health Insurance Providers in Wyoming
| Blue Cross Blue Shield | $1,032 | $54 | $12,384 | $648 |
| UnitedHealthcare | $1,177 | $91 | $14,124 | $1,092 |
* We determine average monthly costs by rounding the mean of all monthly plan rates for each provider in Wyoming. We calculate average monthly savings by comparing each provider's average rate against the statewide average to demonstrate the cost difference below the state benchmark.
Blue Cross Blue Shield
MoneyGeek Rating
5/ 5
5/5Affordability
5/5Deductible
5/5MOOP
Average Monthly Rate
$1,032Average MOOP
$6,328Average Deductible
$3,182
Most Affordable Wyoming Health Insurance by Category
Selecting the best health insurance provider also depends on factors such as age, selected plan type and chosen metal tier. You should consider how monthly costs balance against deductibles and out-of-pocket limits.
In Wyoming, Blue Cross Blue Shield provides the most affordable rates across most demographics. This does come with higher deductibles and maximum out-of-pocket costs.
| Children | Blue Cross Blue Shield | $641 | $7,687 | $5,903 | $2,776 |
| Teens | Blue Cross Blue Shield | $765 | $9,174 | $5,903 | $2,776 |
| Young Adults | Blue Cross Blue Shield | $857 | $10,290 | $5,903 | $2,776 |
| Adults | Blue Cross Blue Shield | $1,070 | $12,842 | $5,903 | $2,776 |
| PPO | Blue Cross Blue Shield | $1,070 | $12,842 | $5,903 | $2,776 |
| EPO | UnitedHealthcare | $1,170 | $14,034 | $6,070 | $2,748 |
| Seniors | Blue Cross Blue Shield | $2,273 | $27,271 | $5,903 | $2,776 |
* These are average rates for all plan types and metal levels, with teens at 18 years old, young adults at 26 years old, adults at 40 years old and seniors at 60 years old. For plan type costs, we used average rates for 40-year-olds.
Most Affordable Wyoming Health Insurance by Metal Level
For 40-year-olds in Wyoming, Blue Cross Blue Shield offers affordable health insurance options, with Bronze plans starting at $769 per month and Expanded Bronze plans at $849 per month.
Silver coverage costs $1,070 per month, while Gold plans offer $980 per month premiums with a $2,000 deductible. There are no Platinum-tier plans available in Wyoming.
| Bronze | Blue Cross Blue Shield | $769 | $9,229 | $7,950 | $7,950 |
| Expanded Bronze | Blue Cross Blue Shield | $849 | $10,192 | $6,938 | $5,363 |
| Gold | Blue Cross Blue Shield | $980 | $11,761 | $7,000 | $2,000 |
| Silver | Blue Cross Blue Shield | $1,070 | $12,842 | $5,903 | $2,776 |
Our comprehensive Wyoming data allows you to find options that suit your situation and budget.
Cheap Wyoming Health Insurance: Personalized Picks
We've collected statewide data for Wyoming to help you filter options based on your unique situation and budget.
Data filtered by:
PPO
Gold
0-14
No
| Blue Cross Blue Shield | Blueselect Gold Core | $587 | PPO | Gold | $3,500 | $1,000 | 0-14 | No |
| Blue Cross Blue Shield | Blueselect Gold Healthplus | $597 | PPO | Gold | $7,950 | $1,125 | 0-14 | No |
| Blue Cross Blue Shield | Blueselect Gold Standard Without Kid'S Dental | $608 | PPO | Gold | $6,150 | $1,500 | 0-14 | No |
How to Get Cheap Health Insurance in Wyoming
The following tips will help you find cheap coverage.
- 1Look Beyond the Cheapest Plans
Don't automatically pick the lowest-cost Bronze plan. Silver and Gold tiers often deliver better value when you account for reduced deductibles and maximum out-of-pocket expenses. If you visit doctors regularly or take medications, these plans can save money despite higher monthly premiums.
- 2Review Your Health Care Usage
Calculate last year's medical expenses to guide your choice. If you spent $400 on one physical and a prescription refill, a high-deductible plan with a $7,000 deductible could save $120 monthly versus a comprehensive Gold plan.
- 3Explore HMO Options
HMO plans deliver premium savings compared to PPO coverage in Wyoming. You must use network providers. These plans can reduce monthly costs by 20% or more while maintaining quality care.
- 4Verify Subsidy Eligibility
Premium tax credits through the Health Insurance Marketplace reduce monthly payments based on household income. Families earning up to $100,000 annually may qualify for assistance, so check your eligibility before buying any plan.
- 5Time Your Purchase Right
Open enrollment provides access to all available plans with the most competitive pricing. Missing this period means waiting until next year unless you experience a qualified life event like marriage, job loss or moving to Wyoming.
- 6Compare Provider Networks
Verify your preferred doctors and hospitals accept the plan you're considering. Wyoming's rural areas have limited provider options, so confirming network coverage prevents surprise bills.
Cheapest Health Insurance in Wyoming: Bottom Line
Blue Cross Blue Shield provides the most affordable rates across multiple coverage options. UnitedHealthcare follows closely with competitive pricing throughout different metal levels.
These providers regularly offer the lowest rates statewide. Your optimal rate is determined by comparing different plan types and metal levels from several companies.
Affordable Health Insurance in Wyoming: FAQ
Find answers to the most common health insurance questions for Wyoming residents:
How do I get cheap health insurance in Wyoming?
Start by shopping during open enrollment to compare plans across multiple metal tiers from companies such as Blue Cross Blue Shield and UnitedHealthcare. Check if you qualify for premium tax credits through the Health Insurance Marketplace, consider HMO plans for lower rates, and balance monthly premiums against deductibles.
How much does health insurance cost in Wyoming?
Wyoming health insurance averages $1,131 monthly or $13,580 annually across all plan types and metal levels. Monthly premiums span from $460 to $2,518 varying by age, chosen coverage tier and plan type.
Does Wyoming require health insurance?
Wyoming does not require residents to have health insurance, and there's no federal individual mandate penalty. While you won't have tax penalties for being uninsured, going without coverage means paying all medical costs out-of-pocket.
Our Methodology
To analyze Wyoming's most affordable health insurance options, we gathered plan information from the federal health insurance marketplace for consumers ranging from ages 18 to 60. Our research focused on monthly premiums for 40-year-olds to determine the cheapest overall plans because this age group represents the state's demographic center and simplifies comparison.
We examined costs for 18, 26, 40, 50 and 60-year-olds to identify age-specific rankings. Plans with lower monthly premiums come with higher deductibles and out-of-pocket maximums, which could increase your expenses when you need medical care.
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About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like 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.