Mountain Health CO-OP provides Wyoming's cheapest overall health insurance, with an average monthly premium of $435. Availability can vary, so also consider Blue Cross Blue Shield for affordable health plans in the state.
Most Affordable Health Insurance in Wyoming
Updated: June 8, 2025
Advertising & Editorial Disclosure
Key Takeaways
Mountain Health CO-OP provides Wyoming's most affordable health insurance, saving policyholders an average of $475 per month compared to the state average.
Mountain Health CO-OP offers the best full coverage Gold plans, with rates starting at $788 per month.
Finding the cheapest health insurance starts with selecting a coverage level within your budget, checking your subsidy eligibility and comparing plans from several companies.
Most Affordable Health Insurance Companies in Wyoming
| Mountain Health CO-OP | $435 | $475 |
| Blue Cross Blue Shield | $693 | $216 |
*These plans reflect rates for 40-year-olds who are not considered low-income.
Cheapest Wyoming Health Insurance Plans by Profile
While we've summarized the cheapest companies for most in Wyoming, the most affordable plan for you will differ widely depending on your desired coverage tier and age. Below are the cheapest companies by category for most in the area:
- Cheapest For Young Adults: Mountain Health CO-OP ($577 monthly)
- Cheapest For Seniors: Mountain Health CO-OP ($1,529 monthly)
- Cheapest Catastrophic Plan: Mountain Health CO-OP ($720 monthly)
- Cheapest Expanded Bronze Plan: Mountain Health CO-OP ($621 monthly)
- Cheapest Bronze Plan: Blue Cross Blue Shield ($666 monthly)
- Cheapest Silver Plan: Mountain Health CO-OP ($720 monthly)
- Cheapest Gold Plan: Mountain Health CO-OP ($788 monthly)
While these are a good measure of the most affordable plans, they only represent the cheapest for 40-year-olds (26-year-olds for young adults and 60 for seniors), and your cheapest company and plan may differ for your profile. Below is a filterable table you can modify by plan tier and age to find your lowest rate match.
Data filtered by:Results filtered by:
Select
Plan Level:Silver
Select
Age:40
| Mountain Health CO-OP | HIGH PLAINS SILVER | $720 | $103 | $9,000 |
Cheapest Health Insurance Plans by County in Wyoming
Mountain Health CO-OP is the cheapest provider overall and also the most affordable and available for Silver plans across all counties. Below, you can review which company and plan are most affordable in your area.
| Albany | Mountain Health CO-OP | $681 | HIGH PLAINS SILVER |
| Big Horn | Mountain Health CO-OP | $681 | HIGH PLAINS SILVER |
| Campbell | Mountain Health CO-OP | $681 | HIGH PLAINS SILVER |
| Carbon | Mountain Health CO-OP | $681 | HIGH PLAINS SILVER |
| Converse | Mountain Health CO-OP | $681 | HIGH PLAINS SILVER |
| Crook | Mountain Health CO-OP | $681 | HIGH PLAINS SILVER |
| Fremont | Mountain Health CO-OP | $681 | HIGH PLAINS SILVER |
| Goshen | Mountain Health CO-OP | $681 | HIGH PLAINS SILVER |
| Hot Springs | Mountain Health CO-OP | $681 | HIGH PLAINS SILVER |
| Johnson | Mountain Health CO-OP | $681 | HIGH PLAINS SILVER |
| Laramie | Mountain Health CO-OP | $681 | HIGH PLAINS SILVER |
| Lincoln | Mountain Health CO-OP | $681 | HIGH PLAINS SILVER |
| Natrona | Mountain Health CO-OP | $681 | HIGH PLAINS SILVER |
| Niobrara | Mountain Health CO-OP | $681 | HIGH PLAINS SILVER |
| Park | Mountain Health CO-OP | $681 | HIGH PLAINS SILVER |
| Platte | Mountain Health CO-OP | $681 | HIGH PLAINS SILVER |
| Sheridan | Mountain Health CO-OP | $681 | HIGH PLAINS SILVER |
| Sublette | Mountain Health CO-OP | $681 | HIGH PLAINS SILVER |
| Sweetwater | Mountain Health CO-OP | $681 | HIGH PLAINS SILVER |
| Teton | Mountain Health CO-OP | $681 | HIGH PLAINS SILVER |
| Uinta | Mountain Health CO-OP | $681 | HIGH PLAINS SILVER |
| Washakie | Mountain Health CO-OP | $681 | HIGH PLAINS SILVER |
| Weston | Mountain Health CO-OP | $681 | HIGH PLAINS SILVER |
How to Find the Cheapest Health Insurance in Wyoming
Follow these steps to find affordable health insurance in Wyoming:
- 1
Determine what coverage plan you need and can afford
Your coverage plan type and tier will differ widely depending on your personal health circumstances and income. Calculate how much income you can set aside for monthly premiums, considering your current health and risk for injury or disease based on location, age and lifestyle.
- 2
Find out your subsidy eligibility
People earning between $14,580 and $54,000 may qualify for premium tax credits, reducing costs by 40% to 100%. Those with incomes below 250% of the Federal Poverty Level ($36,450) can access cost-sharing reductions, decreasing out-of-pocket expenses up to 73%.
- 3
Consider federal programs if old enough
If you are eligible, explore Medicare Advantage plans and Medicare Supplement plans. These programs are often more affordable than traditional health insurance and offer more flexible coverage options.
- 4
Review prescription formularies
Review prescription coverages for medications you regularly take. Some insurers place common medications on lower tiers with reduced copays compared to competitors, potentially saving you hundreds annually.
- 5
Compare plans during Open Enrollment
Open Enrollment is from November 1 to January 15, though Special Enrollment is available with qualifying life events. Assess types of coverage, customer reviews, costs and provider availability. Thorough comparison ensures that you select a plan that balances affordability with comprehensive health care coverage.
MONEYGEEK TIP: MAKE SURE TO APPLY PROMPTLY
To avoid technical issues, apply for coverage at least five days before the enrollment deadline. Prepare your income verification, Social Security numbers and immigration documents to ensure a smooth application process.
Most Affordable Health Insurance in Wyoming: Bottom Line
Wyoming's most affordable health insurance companies are Mountain Health CO-OP and Blue Cross Blue Shield. While we recommend these options, you should compare as many plan types and tier quotes as possible from multiple companies to get the best deal.
Cheap Wyoming Health Insurance: FAQ
Below are frequently asked questions about finding affordable health insurance in Wyoming:
What is the cheapest health insurance in Wyoming?
Mountain Health CO-OP offers the cheapest health insurance in Florida, with Silver plans starting at $435 for 40-year-olds. However, Blue Cross Blue Shield and others could suit your needs based on income and preferences.
What are the downsides of a cheap health insurance plan?
Although you'll pay a lower monthly premium for a cheap health insurance plan, you may pay higher out-of-pocket costs when accessing health care services. More expensive plans cover more comprehensive services and considerably lower your out-of-pocket maximums.
Do I qualify for subsidies on health insurance in Wyoming?
People earning $14,580 to $54,000 annually qualify for premium tax credits that reduce costs by 40% to 100%. Those earning under $36,450 (250% of the Federal Poverty Level) can also receive cost-sharing reductions that lower out-of-pocket expenses by up to 73%.
When can I enroll in health insurance in Wyoming?
Open Enrollment is from November 1 to January 15, though Special Enrollment is available with qualifying life events.
How We Decided the Cheapest Health Insurance Companies in Wyoming
MoneyGeek obtained data directly from the Centers for Medicare and Medicaid Services (CMS) on available health insurance plans in Wyoming based on consumers aged 18, 26, 40, 50 and 60.
We considered the cheapest overall to be those with the lowest monthly premium costs for 40-year-olds, as most in the state are near this age demographic, and for simplicity. However, cheaper plans tend to have higher out-of-pocket maximums and deductibles, meaning you may pay more if you receive care.
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.