Best Health Insurance in Wyoming (2026)

Blue Cross Blue Shield is the best health insurance in Wyoming. UnitedHealthcare also provides an excellent option.

Compare top health insurance plans in Wyoming below.

Written by Mark Fitzpatrick

Updated: May 30, 2026

Advertising & Editorial Disclosure

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.

Wyoming’s Health Insurance Marketplace is one of the most limited in the country, with only two ACA marketplace carriers and the PPO (Blue Cross Blue Shield) costs less than the EPO (UnitedHealthcare) at every tier.

PPO plans usually cost more because they cover out-of-network care. In Wyoming, that coverage difference is especially relevant. Rural geography means your nearest specialist may not be in any carrier network. UnitedHealthcare EPO plans cost $100 more per month at the Silver tier for a 40-year-old and carry slightly lower average deductibles ($2,748 versus $2,776).

Best Health Insurance Companies in Wyoming

Blue Cross Blue Shield and UnitedHealthcare are Wyoming's two ACA marketplace carriers. Blue Cross Blue Shield is the best health insurance option for most Wyoming residents, with lower premiums than UnitedHealthcare at every plan tier and a PPO network that covers out-of-network care.


Blue Cross Blue Shield	$1,070	$5,903	$2,776	5	Blueselect Silver Standard Without Kid'S Dental
UnitedHealthcare	$1,170	$6,070	$2,748	5	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 is Wyoming's only PPO provider, with plans across Bronze, Expanded Bronze, Silver and Gold tiers. Its top-rated Silver plan, the Blueselect Silver Standard, costs $1,070 monthly with a $2,776 deductible. Bronze coverage starts at $769 monthly through the Blueselect Bronze Basic plan, which includes HSA eligibility.

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. The nationwide PPO network provides out-of-network care access, which matters in Wyoming's rural areas where provider choice is limited.
If you rarely use out-of-network providers, Blue Cross Blue Shield's PPO premium may not be worth it. Blue Cross Blue Shield's PPO costs less than UnitedHealthcare's EPO in Wyoming, which is unusual. That gap exists because Blue Cross Blue Shield has no PPO competitor in the state.

Wyoming residents near a major hospital system in Cheyenne or Casper with strong in-network coverage may get equal care through UnitedHealthcare's EPO at $100 more per month. Blue Cross Blue Shield's Bronze deductible of $7,950 also means the entry-level plan offers limited financial protection if you need unexpected care.

A 40-year-old in good health who wants the lowest premium and doesn't anticipate specialist visits outside a hospital corridor should price UnitedHealthcare's Expanded Bronze first.
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 sells EPO plans in Wyoming from Expanded Bronze through Gold tiers. Its top-rated Silver plan, the UHC Silver Standard (No Referrals), costs $1,170 monthly with $2,748 deductibles. Expanded Bronze plans cost $910 monthly and include HSA eligibility through the UHC Bronze Value HSA plan.

Gold plans cost $1,112 monthly with $1,313 deductibles and $5,775 out-of-pocket maximums. The EPO structure requires in-network care, unlike Blue Cross Blue Shield's PPO plans that cover out-of-network providers. UnitedHealthcare's nationwide network and member resources work well for residents who want a recognizable carrier name.
UnitedHealthcare's EPO structure works well for residents with predictable care needs near a major urban center, but it's the wrong choice for nearly everyone else in a state where driving 90 miles to see a specialist is routine.

EPO plans cover nothing outside the network except emergencies. Wyoming's geography makes that a real risk, not a theoretical one.

Any resident who regularly sees providers in a neighboring state (Colorado or Montana) or whose regular physician isn't in UnitedHealthcare's network should choose Blue Cross Blue Shield's PPO instead, even at the higher premium. At $100 less per month, Blue Cross Blue Shield's PPO costs $1,200 less annually than UnitedHealthcare's EPO and adds out-of-network coverage.

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

Blue Cross Blue Shield leads every Silver-tier age group in Wyoming, from $765 per month at age 18 to $2,273 at age 60. Health insurance in Wyoming varies by age and network structure. Metal tier affects cost within each carrier's plan lineup with cost differences between PPO and EPO plans. Blue Cross Blue Shield offers the lowest premiums through its PPO plans across every age group, 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

UnitedHealthcare costs $2,532 more per year than Blue Cross Blue Shield for a senior on the same Silver tier. That gap is three times the $71 difference at age 18. The choice of carrier matters more the older you are when you enroll.

Compare Wyoming Health Insurance Providers

Wyoming's two-carrier marketplace makes side-by-side comparisons straightforward, but the right plan still depends on your age, metal tier and whether you need out-of-network access. The table below filters by age, coverage level, network type and HSA eligibility so you can match plans to your actual profile.

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 reviewing 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
Wyoming's marketplace has two insurers for 2026: Blue Cross Blue Shield and UnitedHealthcare. Request quotes from both at the same metal tier and your actual age, compare premiums and out-of-pocket maximums side by side. Deductibles differ most between Bronze and Gold tiers.
3
Check provider networks
In Wyoming, network gaps are a practical concern. Before selecting a plan, verify that your primary care doctor and any current specialists accept the plan. Verify your nearest hospital is also in-network. If you or a family member regularly sees providers across state lines in Colorado, Montana or South Dakota, Blue Cross Blue Shield's PPO network covers out-of-network care. UnitedHealthcare's EPO does not.
4
Review out-of-pocket maximums and deductibles
Wyoming's deductible range is wide. Blue Cross Blue Shield's Bronze deductible is $7,950, its Silver deductible is $2,776 and its Gold deductible drops to $1,208.

For a rural resident who expects one specialist visit per year, the Silver or Gold tier often costs less overall than a Bronze plan. Run the math against your expected annual care costs, not just the monthly premium.
5
Evaluate plan types
Wyoming's marketplace offers two network structures for 2026. Blue Cross Blue Shield sells PPO plans, which cover out-of-network providers at a higher cost share. UnitedHealthcare sells EPO plans, which require in-network care except for emergencies. No HMO or POS plans are available in the state.
6
Review 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, review 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.

Blue Cross Blue Shield Silver premiums climb from $765 at age 18 to $2,273 at age 60, a 197% increase. The carrier gap grows with age: $71 per month at 18, $211 at 60. Blue Cross Blue Shield prices its PPO below the EPO because it has no PPO competitor in Wyoming.

Best Health Insurance in Wyoming: Bottom Line

Blue Cross Blue Shield and UnitedHealthcare are the only health insurance providers in Wyoming's ACA marketplace for 2026. In MoneyGeek's Wyoming's rate data, Blue Cross Blue Shield is the right starting point for most residents. Its lower premiums and PPO access give it a clear advantage in a rural state where out-of-network care isn't optional.

UnitedHealthcare makes sense for residents near Cheyenne or Casper with established in-network care relationships who want its lower Gold deductible. But for anyone outside a population center, an EPO means no coverage for out-of-network visits except emergencies.

Compare both plans at your actual age and metal tier before enrolling. The UnitedHealthcare premium gap grows from $80 monthly at age 26 to $211 monthly at age 60, so the right answer shifts with age.

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 sharply reduce monthly costs. A Silver plan for a 40-year-old costs $1,070 per month before subsidies. Low-income families and individuals often receive coverage at no cost through these programs.

What is the cheapest health insurance plan in Wyoming?

Blue Cross Blue Shield is the cheapest health insurance in Wyoming. Its Blueselect Bronze Basic PPO plan costs $769 monthly for a 40-year-old, the lowest available rate in the state. UnitedHealthcare's cheapest plan, the UHC Bronze Standard, costs $890 monthly for the same profile.

What is the difference between a PPO and an EPO health insurance plan?

A PPO covers both in-network and out-of-network care, though out-of-network visits cost more. An EPO covers in-network care only, except in emergencies. In Wyoming, Blue Cross Blue Shield sells PPO plans and UnitedHealthcare sells EPO plans. Residents who regularly see providers outside a major hospital corridor should choose the PPO.

What happens if I see a doctor outside my network in Wyoming?

It depends on your plan type. Blue Cross Blue Shield PPO plans cover out-of-network care at a higher cost share. UnitedHealthcare EPO plans cover in-network care only, except for emergencies. In Wyoming, where the nearest specialist may be in a neighboring city or state, that distinction matters before you enroll.

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 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 (P&C) Insurance Producer in Connecticut, is MoneyGeek's resident insurance expert. He has spent nearly a decade analyzing the market, first at LendingTree and now at MoneyGeek, where he has produced original research on hundreds of carriers and millions of rates across auto, home, renters, health and life insurance.

He covers economics and insurance at MoneyGeek, and his work has been featured in The Washington Post, The New York Times and NPR, among other outlets.

Like all MoneyGeek analysts, he draws on independent cost and consumer experience data. No insurance company partnership influences his recommendations.

Fitzpatrick earned his degrees from Johns Hopkins University (M.A. Economics and International Relations) and Boston College (B.A.). He began his career in financial risk management at State Street. He's also a five-time “Jeopardy!” champion.

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