With a score of 100 out of 100, Mountain Health CO-OP offers the best health insurance in Wyoming, excelling in affordability, customer service and coverage. If Mountain Health CO-OP is unavailable locally, Blue Cross Blue Shield and UnitedHealthcare also provide excellent coverage options in the state.
Best Health Insurance in Wyoming
Updated: June 24, 2025
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Key Takeaways
Overall, Mountain Health CO-OP offers the best and most balanced coverage in Wyoming for health insurance.
Mountain Health CO-OP provides the best cheap health insurance in Wyoming, with Silver-tier plans averaging $435 monthly, where available.
To find the best health insurance in Wyoming, educate yourself on companies available to you, decide coverage needs beforehand and compare plan quotes from several companies.
Best Health Insurance Companies in Wyoming
| Mountain Health CO-OP | 100 | HIGH PLAINS SILVER HDHP |
| Blue Cross Blue Shield | 69 | BlueSelect Silver Standard without Kid's Dental |
| UnitedHealthcare | 50 | UHC Silver Standard |
*Our picks are the best companies for 40-year-olds looking for Silver-tier plans.
Best Health Insurance in Wyoming by Category
While we've given our top picks overall, the best company for you may differ depending on your profile and preferred plan type. So below, we've broken down the top picks for common categories to make more personalized recommendations.
| Children/Families | Mountain Health CO-OP |
| Young Adults | Mountain Health CO-OP |
| Seniors | Mountain Health CO-OP |
| PPO | Mountain Health CO-OP |
| EPO | UnitedHealthcare |
Best Wyoming Health Insurance Reviews
So that you can learn about our recommendations, we've broken down our top picks overall, for affordability and customer service reputation.
Mountain Health CO-OP: Best Overall
pros
Comprehensive benefits package with unique signature benefits
Cheapest health insurance option in Wyoming
Best overall in the state
cons
Limited geographic coverage restricting accessibility
COMPANY HIGHLIGHTS
Mountain Health CO-OP was our pick for Wyoming's best and most affordable health insurance. The company combines a member-focused cooperative model with the lowest rates in the state, averaging $435 per month for Silver-tier plans. Mountain Health CO-OP is a consumer-operated, non-profit organization designed to benefit members. It offers budget-friendly premiums and comprehensive coverage throughout Wyoming's rural and urban areas.
Blue Cross Blue Shield: Best Customer Reputation
pros
Second-most-affordable rates in the state
Highest customer reputation score in Wyoming
cons
Largest number of in-network counties
No out-of-network coverage, unless there's a medical emergency
COMPANY HIGHLIGHTS
Blue Cross Blue Shield of Wyoming stands out for customer reputation as a trusted local insurer with strong member satisfaction and deep Wyoming roots. BCBS has built a solid reputation for reliable service, responsive claims processing and local market expertise that residents trust for their health care coverage needs.
How to Find the Best Health Insurance for You in Wyoming
The following recommendations will ensure that buying health insurance that is ideal for you is easy.
Decide on your coverage needs before buying
When looking for the best health insurance, weigh the monthly cost against the maximum out-of-pocket plan limits. If you go to the doctor often, a plan with a higher monthly fee but lower MOOP can save you money. But you may not need as much coverage if you're not high risk. Also, compare health insurance plan types to ensure how flexible a provider will be in covering you.
Compare company offerings and reputations
Before comparing rates, understand what plans the top companies in your area offer and their terms. Also, look into company reputations through forums and industry sources like J.D. Power to ensure a smooth buying and coverage claims process.
Shop around
Comparing multiple plans from many providers ensures you get the best possible deal. We found that rates start as low as $435 per month in Wyoming, depending on your personal profile and plan type chosen. Open Enrollment lasts from November 1 to January 15, but you may also qualify for Special Enrollment if you've lost your job, divorced or had a child.
Take advantage of federal programs and subsidies
Those with low income, have a qualifying disability or illness, or are 65 years old or older can receive subsidies or be eligible for Medicare plans. In some cases, depending on your details, you can have up to 100% of your premiums covered if you're low-income or have significant savings if you're eligible for Medicare. MoneyGeek also provides information for finding the top Wyoming Medicare Supplement and best Medicare Advantage plans in Wyoming if you want to learn more.
Best Health Insurance in Wyoming: Bottom Line
Our top three picks for Wyoming health insurance are Mountain Health CO-OP, Blue Cross Blue Shield and UnitedHealthcare. However, the best possible health insurance plan for you will vary widely depending on your personal details and coverage needs. Compare as many plans and companies as possible to get the right fit.
Best Wyoming Health Insurance: FAQ
Below, we've answered frequently asked questions about the best health insurance in Wyoming:
What is the best health insurance provider in Wyoming for 2025?
Mountain Health CO-OP provides the best health insurance in Wyoming for 2025. However, your best choice will depend on your unique circumstances and needs and if coverage is available in your county.
What should you look for when shopping for the best health insurance plan in Wyoming?
When finding the best health insurance plan, compare premium costs and coverage breadth to ensure the plan meets your specific medical needs without gaps in essential services. The ideal plan balances affordability with comprehensive coverage that aligns with your health requirements and anticipated medical expenses.
How We Chose the Best Health Insurance in Wyoming
To rank health care insurance providers in Wyoming, MoneyGeek researched premiums, out-of-pocket costs, claims denial rates and plan types for each available company and compared them across different categories. We then weighted each category to calculate an overall MoneyGeek score and derive rankings.
We weighted most categories as follows:
- Maximum out-of-pocket (MOOP) score (30%): The MOOP is the most you'll pay per year for health care costs outside of your monthly premiums. The provider with the lowest average MOOP scores the highest.
- Claims denial score (30%): How often a provider denies claims. The provider with the lowest claims denial rate scores the highest.
- Rate score (20%): How much the provider's monthly plans cost. The cheapest provider, on average, gets the highest score.
- Plan type score (20%): Providers score better if they have plan types with broader coverage. A provider with many PPO plans will get the highest score.
In some cases, we adjusted the weightings as follows:
- For the categories "Best Cheap Health Insurance in Wyoming" and "Best Health Insurance in Wyoming for Low Income," we increased the rate score weighting to 50%. We decreased every other category by 10%.
- For the category "Best Health Insurance by Plan Type in Wyoming," we decreased the plan type score weighting to 0% to reflect that we are comparing providers' plans like-for-like. We increased MOOP and claims denial score weightings by 10% each.
Sample Consumer:
MoneyGeek collected data on all available plans in Wyoming for consumers aged 18, 26, 40, 50 and 60. Unless otherwise noted, all monthly premiums are for a 40-year-old buyer, such as the category for young adults. Plans analyzed in each section include the relevant cited metal tiers, which include 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. 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!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.