Cheapest (and Best) Health Insurance in Cheyenne, WY (2024)

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Updated: May 22, 2024

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Location, age, plan type, health care needs and the number of people in your plan impact the cost of your health insurance. MoneyGeek gathered and analyzed the latest marketplace data to determine which companies offer the cheapest health insurance in Cheyenne, Wyoming. We also evaluated monthly costs, maximum out-of-pocket (MOOP) expenditures, plan options and claims denial rates to identify the city’s best providers.

Not all companies offer all plan types or metal tiers, so shop around to find the plan best suited to your needs. Sometimes only one company is available in your area. If this is the case, study the provider’s offerings and choose the best plan or tier for you.

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Best Health Insurance in Cheyenne (2023)

Why Trust MoneyGeek? We downloaded plan data directly from the Centers for Medicare & Medicaid Services (CMS).

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Plan data was updated with the CMS exchange data released in October for the 2023 enrollment period.

2Companies Compared
29Quotes Analyzed

Best Overall Health Insurance in Cheyenne

MoneyGeek analyzed cost, plan options and service quality to determine Cheyenne's best overall health insurance providers. Mountain Health CO-OP ranks first, with Silver plans at $705 monthly and a MOOP of $5,891. Blue Cross Blue Shield comes in second with Silver plans at $855 monthly and a MOOP of $5,036.

Affordability is important when selecting a health insurance provider. But don’t overlook other factors such as plan options and customer service. If you’re looking outside Cheyenne, you’ll benefit from studying our recommendations for the best health insurance in Wyoming.

Mountain Health CO-OP

Mountain Health CO-OP



Offers PPO plans, which provide the broadest coverage among plan types


Low claims denial rate


Low average monthly premium than its competitor



Higher average MOOP than its competitor


Mountain Health CO-OP is the best overall health insurance provider in Cheyenne, offering the lowest average premium of $705 per month, combined with a relatively low MOOP cost of $5,891. Note that these are average rates, and your plan’s cost may vary.

Aside from being the most affordable provider, Mountain Health CO-OP also has a low claims denial rate of 5.7%, indicating that this insurer approves most of the claims filed by its policyholders. Being a Consumer Oriented and Operated Plan (COOP), the company is mostly run by members. The upside is that all of Mountain Health CO-OP's profits are reinvested back to benefit its members through telehealth, vision and dental reimbursements, no-cost prescriptions and travel benefits. It’s also easy to find an in-network doctor and to access your plan information through Mountain Health CO-OP’s website.

Blue Cross Blue Shield

Blue Cross Blue Shield



Offers PPO plans, which provide the broadest coverage among plan types


Has a low average MOOP cost



Has a higher average monthly premium than its competitor


Blue Cross Blue Shield (BCBS) is our runner-up for the best health insurance provider in Cheyenne. Although its policies cost an average of $855 per month, BCBS compensates by having a lower MOOP cost of $5,036. The actual cost of your plan may vary from these average figures, which will give you a good idea of this insurer’s premiums.

If you’re considering BCBS, be aware that it has a relatively high claims denial rate of 17.8%, meaning it approves around four out of five claims, on average.

The company has a wide network of more than 1.7 million doctors and health care facilities across 50 states, Washington D.C. and Puerto Rico. Another noteworthy perk is that BCBS members who register for Blue365 can get exclusive access to discounts on health and wellness products and services.

Best Cheap Health Insurance in Cheyenne

If cost is your top consideration when choosing a provider, we found that Mountain Health CO-OP offers the best cheap health insurance in Cheyenne. This provider’s Silver plans cost an average of $705 per month with a MOOP cost of $5,891.

The cost of health insurance varies by state and city. Cost sharing also affects your premiums. Typically, plans with lower premiums come with higher out-of-pocket costs.

However, the best provider might not always be the cheapest. You can find the most affordable health insurance by familiarizing yourself with the marketplace system and focusing on the relationship between plan premiums and MOOP costs. We also recommend knowing the basics about deductibles, copays and co-insurance and how these variables affect pricing.

Mountain Health CO-OP

Mountain Health CO-OP



Offers PPO plans, which provide the broadest coverage among plan types


Low claims denial rate


Low average monthly premium



High average MOOP cost


Offering the most affordable average monthly premium while keeping claims denial rates low, Mountain Health CO-OP topped our list of the best cheap health insurance providers. Its MOOP of $5,891 is around $855 higher than its competitor, but you’ll still save because Mountain Health CO-OP’s Silver plans only cost $705 per month, on average. Keep in mind that these are average rates, so your premiums and MOOP costs may vary depending on your profile and plan type.

Mountain Health CO-OP has a low denial rate of 5.7%, suggesting it only rejects one out of 20 claims. Members receive Signature Benefits, such as vision exam reimbursements of up to $60 and dental reimbursements of up to $100 for exams or cleanings. Policyholders also get access to telehealth services through Doctor on Demand, which is available 24/7 without the need to book an appointment. Most recently, the insurer partnered with Avantmed to provide free in-home health assessments.

Cheapest Provider by Metal Tier

Mountain Health CO-OP offers the most affordable Silver health plan in Cheyenne at an average monthly premium of $705. Note that the cheapest provider or plan isn’t always necessarily the best. But if cost is your main concern, we recommend getting a Silver plan as a great middle-of-the-road option that offers mid-tier coverage with the added benefit of cost-sharing reductions.

Health insurance plans are categorized into metal tiers that differ in cost and coverage. Bronze is the lowest tier, offering the lowest premiums, while Platinum is the highest tier and has the highest rates. A few providers also offer Catastrophic plans, which are usually cheaper than Bronze plans, but these offer very limited coverage, and you must be under 30 to qualify.

Even if you’re keen on getting the cheapest plan, be aware that plans with lower premiums often have higher MOOP costs. These are better suited for those seeking coverage in emergencies rather than for regular health care needs.

The table below outlines the most affordable providers in Cheyenne for each metal tier and their average monthly premium.

Data filtered by:Results filtered by:
Mountain Health CO-OPMetal LevelExpanded BronzeMonthly Cost$547
Blue Cross Blue ShieldMetal LevelBronzeMonthly Cost$606
Mountain Health CO-OPMetal LevelGoldMonthly Cost$680
Mountain Health CO-OPMetal LevelSilverMonthly Cost$705
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The easiest way to determine the ideal metal tier for you is to first assess your health care needs. Here’s a quick summary of the types of individuals each metal tier best suits:

  • Catastrophic: Best for healthy and young individuals (under 30) who don't need much medical care and only want coverage for emergencies.
  • Bronze: Ideal for individuals who are in relatively good health and don’t require frequent medical care.
  • Silver: Best suited for people with a moderate income who are looking for decent coverage at an affordable rate.
  • Gold: The best option for people who require regular or extensive medical care.
  • Platinum: Best suited for those whose frequent or extensive health care needs will allow them to reach the MOOP cost sooner, making the higher monthly premiums more cost-effective in the long run.

Cheapest Plan by Metal Tier

Mountain Health CO-OP offers the most affordable Silver plan, averaging $705 monthly, with a MOOP cost of around $5,891. Although the cheapest options for other metal tiers, such as Gold, Bronze and Expanded Bronze plans, have lower average monthly premiums, their MOOP costs are much higher than Silver plans. The table below outlines Cheyenne's cheapest providers by metal tier and their average plan costs.

Data filtered by:Results filtered by:
Expanded BronzeCompanyMountain Health CO-OPPlanHigh Plains SG Bronze WYMonthly Premium$518
BronzeCompanyBlue Cross Blue ShieldPlanBlueSelect Bronze Standard without Kid's DentalMonthly Premium$586
SilverCompanyMountain Health CO-OPPlanHigh Plains SG Silver WYMonthly Premium$602
GoldCompanyMountain Health CO-OPPlanHigh Plains SG Gold WYMonthly Premium$664
Compare Health Insurance Rates

Ensure you're getting the best rate for your health insurance. Compare quotes from the top insurance companies.

How Age Affects Health Insurance in Cheyenne

Regardless of where you live, your age is one of the primary determinants of your health insurance cost. Rates tend to escalate as you get older due to the expected development of age-related illnesses and the resulting increase in health care needs. Bronze or Expanded Bronze plans are almost always the most affordable. Catastrophic plans are even cheaper, but you must meet specific eligibility criteria.

If you’re considering a lower-tiered plan to save on premiums, check to see whether your provider’s network includes your preferred facilities and physicians to avoid paying out of pocket for out-of-network services. You’ll find some of Cheyenne’s cheapest Silver plan providers in the chart below.

Cheapest Health Insurance in Cheyenne by Age
Data filtered by:Results filtered by:
Metal Level:
Metal Level:Silver
18CompanyMountain Health CO-OPMonthly Cost$503Maximum Out-of-Pocket$5,891
26CompanyMountain Health CO-OPMonthly Cost$565Maximum Out-of-Pocket$5,891
40CompanyMountain Health CO-OPMonthly Cost$705Maximum Out-of-Pocket$5,891
50CompanyMountain Health CO-OPMonthly Cost$985Maximum Out-of-Pocket$5,891
60CompanyMountain Health CO-OPMonthly Cost$1,497Maximum Out-of-Pocket$5,891

Your age and the metal plan that you choose have the greatest impact on your health insurance costs. It should come as no surprise that the older you are, the higher your rates will be. A higher metal-tiered plan is similarly more expensive since it offers broader coverage. The graph below will give you an idea of how costs change by age and metal tier.

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The health insurance marketplace, or health insurance exchange, is the primary source of plans that are compliant with the Affordable Care Act (ACA). But government-sponsored programs like Medicaid and Medicare also offer health insurance at a markedly reduced cost. Note, however, that these programs have strict eligibility requirements. For Medicaid, eligibility is based on income and family size. Medicare only caters to those who are 65 and older. If you’re already enrolled in Medicare Parts A and B, you might qualify for Medicare Advantage or Medicare Supplements.

How to Find the Best Cheap Health Insurance in Cheyenne

The cheapest health insurance in Cheyenne for you depends on your health care needs. You must weigh these against the available options, taking note of providers’ coverage options, rates and MOOP costs. The most cost-effective option balances these factors and gives you the most savings in the long run.

Know Where to Look

Health insurance might be available through your employer, your parents (if you’re 26 and under), the marketplace, private insurance companies or the government.

Budget Based on Your Health Care Needs

In insurance, there’s usually a tradeoff between cost and coverage. You must find the sweet spot that balances the coverage you need with the price you’re comfortable paying. Typically, cheaper plans let you save month-to-month but require higher out-of-pocket payments when you receive care. In addition, just one health crisis could require you to pay your entire deductible, creating a significant dent in your finances. Conversely, higher-tier plans may be more expensive monthly but generally have a broader provider network and enable you to meet deductible and MOOP costs faster.

Check for Premium Tax Credits

A premium tax credit lowers the price of health insurance by reducing the premium each month. They are usually only available to those whose income is 100% of the federal poverty level (FPL) and who are not eligible for publicly assisted health insurance like Medicare and Medicaid.

Check Government Program Eligibility

Government-sponsored programs, like Medicare and Medicaid, offer some of the cheapest ways to secure health insurance, making them the best health insurance for the unemployed. To qualify, you must be at least 65 years old for Medicare, or meet the required income bracket for Medicaid.

Choose Your Plan

If you’ve studied and are amenable to the details of the cheapest plans — especially the limited coverage that goes along with them — go ahead and purchase one.

Health Insurance Subsidies and Income-Based Assistance

Health insurance can be costly, so it might be helpful to explore financial assistance programs. Subsidies are typically available to those whose income falls between 100% and 250% of the FPL. In 2022, the American Rescue Plan granted wider access by increasing the limit to 400% of the FLP until 2025.

Medicare and Medicaid are government-sponsored programs providing qualifying individuals with affordable health insurance. You may be eligible for both at the same time. Only those 65 and over can qualify for Medicare. Your income must be between 100% and 150% of the FPL to be eligible for Medicaid or the Children's Health Insurance Program (CHIP).

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There may be times when you’ll experience a gap in health care coverage, like while you’re in between jobs. Short-term health insurance is an affordable way to bridge this gap, but it shouldn’t be used as a permanent replacement for a marketplace plan. Although short-term policies tend to have considerably lower premiums, these don’t always cover essential benefits and may deny those with pre-existing conditions. Another serious downside is that these cheaper plans come with higher copays or co-insurance, making the cost of treatment more expensive. You also won’t qualify for subsidies and tax credits with a short-term health plan.

Frequently Asked Questions About Health Insurance in Cheyenne

MoneyGeek answered some of the most commonly asked questions about health insurance in Cheyenne to guide you.

How do I get health insurance in Cheyenne?
What’s the best health insurance in Cheyenne?
What’s the cheapest health insurance in Cheyenne?

About Brenna Kelly

Brenna Kelly headshot

Brenna Kelly, the former Health Insurance Content Manager at MoneyGeek, is a licensed health insurance agent and real estate associate. She is qualified to provide expert insight and advice on medical insurance, disability, long-term care, critical illness, Medicare Supplements and Medicare Advantage Plans.

Kelly has a Bachelor of Science and a Master of Arts in Applied Sociology from the University of Central Florida. She uses her content production experience and health insurance expertise to deliver informative articles.