Updated: February 10, 2025
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Different metal tiers affect health insurance costs. In Wyoming, Blue Cross Blue Shield offers the most affordable Bronze and Gold plans, while Mountain Health CO-OP shines with the cheapest Silver option.
If you are looking to balance monthly premiums with quality claims and coverage, MoneyGeek analyzed the best health insurance in Wyoming.
Why Trust MoneyGeek? We downloaded plan data for Wyoming directly from the Centers for Medicare and Medicaid Services (CMS).
Plan data was updated with the CMS exchange data released in October, the latest available data for the 2024 enrollment period.
The most affordable plan in the Silver tier in Wyoming is offered by Mountain Health CO-OP, with the HIGH PLAINS SILVER plan costing $681 per month. It's significant to note that Silver plans are the most common choice due to their balance of cost and coverage. For those willing to accept a higher out-of-pocket expense in exchange for lower monthly premiums, Bronze plans are a cost-effective alternative.
Health insurance costs are primarily influenced by the metal tier, with higher tiers usually having lower out-of-pocket costs and deductibles but also higher monthly premiums.
Here are the most affordable health insurance plans from each metal tier:
For more details on cheap health insurance options, you can explore further information that could help you make an informed decision.
| Bronze | BlueSelect Bronze Basic | Blue Cross Blue Shield | $573 | $9,100 |
| Expanded Bronze | BlueSelect Bronze Core | Blue Cross Blue Shield | $596 | $7,150 |
| Silver | HIGH PLAINS SILVER | Mountain Health CO-OP | $681 | $9,000 |
| Gold | BlueSelect Gold Core | Blue Cross Blue Shield | $689 | $7,000 |
The Wyoming health insurance marketplace offers a range of metal tiers — Bronze, Expanded Bronze, Silver and Gold — correlating with the level of coverage and thus the balance between monthly premiums and out-of-pocket expenses when care is needed. Generally, Bronze plans feature the lowest monthly premiums, such as the BlueSelect Bronze Basic at $573, but have higher maximum out-of-pocket costs, at $9,100 for a 40-year-old, meaning they'll cost more when medical care is used.
The Silver plan, like the HIGH PLAINS SILVER at $681 monthly, can offer more favorable cost-sharing terms, especially for individuals earning below 250% of the Federal Poverty Level. These individuals are eligible for cost-sharing reductions (CSRs), which effectively increase the plan's value without raising premiums. As a result, the plan's maximum out-of-pocket limit may decrease, making high-cost services or conditions more affordable.
Gold plans offer the most comprehensive coverage with lower out-of-pocket costs at the trade-off of higher premiums. For instance, the BlueSelect Gold Core comes with a premium of $689 and a maximum out-of-pocket limit of $7,000.
In summary, higher-tier plans typically have higher premiums but lower costs when you need care, while lower-tier plans cost less monthly but more when seeking treatment. Cost-sharing reductions on Silver plans offer a middle ground, enhancing the plan's value for those with limited incomes.
The most affordable Silver plan in Wyoming is the HIGH PLAINS SILVER offered by Mountain Health CO-OP, with a monthly cost of $681.
Introducing three of the most affordable Silver health plans in Wyoming:
Silver plans are an excellent choice for individuals who anticipate moderate health care usage as they provide a balance between monthly premiums and out-of-pocket costs. Customers with low to moderate income may qualify for cost sharing reductions (CSRs), which further decrease the amount you pay for deductibles, copayments and co-insurance. This makes Silver plans particularly advantageous for eligible individuals as they can access lower out-of-pocket costs while enjoying the benefits of the Silver level coverage.
| Mountain Health CO-OP | $681 | $9,000 | HIGH PLAINS SILVER |
| Mountain Health CO-OP | $692 | $5,500 | HIGH PLAINS SILVER HDHP |
| Blue Cross Blue Shield | $803 | $9,100 | BlueSelect Silver Balance without Kid's Dental |
| Blue Cross Blue Shield | $804 | $9,100 | BlueSelect Silver Standard without Kid's Dental |
| Blue Cross Blue Shield | $806 | $9,100 | BlueSelect Silver Balance |
| Blue Cross Blue Shield | $810 | $9,100 | BlueSelect Silver Classic without Kid's Dental |
| Blue Cross Blue Shield | $812 | $9,100 | BlueSelect Silver HealthPlus |
| Blue Cross Blue Shield | $813 | $9,100 | BlueSelect Silver Classic |
| Blue Cross Blue Shield | $815 | $9,100 | BlueSelect Silver Value |
| Mountain Health CO-OP | $846 | $9,100 | High Plains Silver Standard |
| Mountain Health CO-OP | $864 | $9,000 | High Plains Silver |
The most affordable option in the Gold tier for health insurance in Wyoming is the BlueSelect Gold Core plan from Blue Cross Blue Shield, with a monthly cost of $689. It is also the only Gold plan available in Wyoming.
The three most affordable Gold plans in Wyoming are:
Gold plans are ideal for individuals who expect to need moderate to high health care services throughout the year. These plans typically offer a balance between monthly premiums and out-of-pocket costs when accessing medical care. They are particularly suitable for those who want more predictable costs and are willing to pay a higher monthly premium compared to Silver or Bronze plans for better coverage and lower costs when receiving health care services.
| Blue Cross Blue Shield | $689 | $7,000 | BlueSelect Gold Core |
| Blue Cross Blue Shield | $699 | $9,100 | BlueSelect Gold Balance |
| Blue Cross Blue Shield | $715 | $8,700 | BlueSelect Gold Standard without Kid's Dental |
| Blue Cross Blue Shield | $718 | $9,100 | BlueSelect Gold HealthPlus |
| Blue Cross Blue Shield | $718 | $9,100 | BlueSelect Gold Classic |
| Mountain Health CO-OP | $755 | $3,500 | HIGH PLAINS GOLD HDHP |
| Mountain Health CO-OP | $759 | $6,500 | HIGH PLAINS GOLD |
| Mountain Health CO-OP | $767 | $8,700 | High Plains Gold Standard |
| Mountain Health CO-OP | $778 | $6,500 | High Plains Gold |
| Mountain Health CO-OP | $780 | $3,500 | High Plains Gold HDHP |
The BlueSelect Bronze Basic plan, offered by Blue Cross Blue Shield, is the most affordable Bronze plan for residents of Wyoming, with a monthly cost of $573.
The three most affordable Bronze plans in Wyoming are:
Bronze plans generally suit individuals who prioritize lower monthly premiums while still wanting protection against high-cost medical events. They are particularly apt for those who are young, healthy and have fewer medical expenses. The plans typically come with higher out-of-pocket costs, making them a good fit if you prefer paying less upfront and can handle greater costs when receiving medical care.
| Blue Cross Blue Shield | $573 | $9,100 | BlueSelect Bronze Basic |
| Blue Cross Blue Shield | $611 | $9,100 | BlueSelect Bronze Value |
| Blue Cross Blue Shield | $614 | $9,100 | BlueSelect Bronze Balance |
The most affordable Expanded Bronze health insurance plan in Wyoming is the BlueSelect Bronze Core offered by Blue Cross Blue Shield, with a monthly cost of $596.
Expanded Bronze plans are designed for those who want a balance between monthly premiums and out-of-pocket costs. These plans tend to have lower monthly premiums compared to other metal tiers but come with higher out-of-pocket expenses when seeking medical care. They are optimal for individuals who are generally healthy and looking to cover serious illnesses or injuries without higher premium costs.
| Blue Cross Blue Shield | $596 | $7,150 | BlueSelect Bronze Core |
| Mountain Health CO-OP | $599 | $9,400 | HIGH PLAINS BRONZE |
| Mountain Health CO-OP | $624 | $9,400 | High Plains Bronze Standard Expanded |
| Mountain Health CO-OP | $635 | $7,500 | High Plains Bronze HDHP |
| Blue Cross Blue Shield | $646 | $9,400 | BlueSelect Expanded Bronze Standard without Kid's Dental |
Residents of Wyoming earning 250% below the Federal Poverty Level are eligible for cost-sharing reductions on Silver health plans. These reductions optimize affordability by trimming down deductibles and other out-of-pocket costs.
The most affordable Silver plan available for individuals with an annual income between $14,580 and $21,870 is the BlueSelect Silver Balance without Kid's Dental from Blue Cross Blue Shield, featuring a Maximum Out-of-Pocket Cost of $1,300. Below are the maximum out-of-pocket costs for the top two most affordable Silver plans in Wyoming:
Cost-sharing reductions are exclusive to Silver plans in Wyoming, and the stated income ranges are for single individuals. Different thresholds apply to larger households.
| Blue Cross Blue Shield | $803 | $1,300 | BlueSelect Silver Balance without Kid's Dental |
| Blue Cross Blue Shield | $804 | $1,800 | BlueSelect Silver Standard without Kid's Dental |
| Blue Cross Blue Shield | $806 | $1,300 | BlueSelect Silver Balance |
| Blue Cross Blue Shield | $810 | $800 | BlueSelect Silver Classic without Kid's Dental |
| Blue Cross Blue Shield | $812 | $1,000 | BlueSelect Silver HealthPlus |
| Blue Cross Blue Shield | $813 | $800 | BlueSelect Silver Classic |
| Blue Cross Blue Shield | $815 | $900 | BlueSelect Silver Value |
| Mountain Health CO-OP | $846 | $1,800 | High Plains Silver Standard |
| Mountain Health CO-OP | $864 | $900 | High Plains Silver |
Cost-sharing reductions (CSRs) lower the amount you pay for health care services if you qualify based on your income. For Silver plans, they can reduce your deductible, copayments and maximum out-of-pocket expenses. Eligibility is determined by income, falling between 100% and 250% of the Federal Poverty Level. For instance, the BlueSelect Silver Balance plan at a 73% Actuarial Value (AV) level has a maximum out-of-pocket expense of $7,250. However, with a 94% AV level CSR, that cost drops significantly to $1,300.
The most popular plan type in Wyoming is PPO (Preferred Provider Organization).
The most affordable health plan in Wyoming for a PPO is the HIGH PLAINS SILVER from Mountain Health CO-OP, with a monthly cost of $681.
Wyoming only has one option for health plans, and PPO is the sole type available. With the absence of alternative plan types, residents seeking health insurance in Wyoming will need to look into PPO plans for coverage.
| Mountain Health CO-OP | $681 | $9,000 | HIGH PLAINS SILVER |
| Mountain Health CO-OP | $692 | $5,500 | HIGH PLAINS SILVER HDHP |
| Blue Cross Blue Shield | $803 | $9,100 | BlueSelect Silver Balance without Kid's Dental |
| Blue Cross Blue Shield | $804 | $9,100 | BlueSelect Silver Standard without Kid's Dental |
| Blue Cross Blue Shield | $806 | $9,100 | BlueSelect Silver Balance |
| Blue Cross Blue Shield | $810 | $9,100 | BlueSelect Silver Classic without Kid's Dental |
| Blue Cross Blue Shield | $812 | $9,100 | BlueSelect Silver HealthPlus |
| Blue Cross Blue Shield | $813 | $9,100 | BlueSelect Silver Classic |
| Blue Cross Blue Shield | $815 | $9,100 | BlueSelect Silver Value |
| Mountain Health CO-OP | $846 | $9,100 | High Plains Silver Standard |
| Mountain Health CO-OP | $864 | $9,000 | High Plains Silver |
The most common health insurance plan type in Wyoming is the Preferred Provider Organization (PPO).
PPOs offer a balance between flexibility and cost. Members have the freedom to see any health care provider, but they save money by using providers within the plan's preferred network. These plans typically come with higher premiums compared to other plan types, but they offer more choice in selecting health care providers and specialists without requiring a referral.
Health insurance rates and availability of certain plans vary by county in Wyoming.
The most affordable plan in the largest and smallest counties by population is the same: HIGH PLAINS SILVER from Mountain Health CO-OP ($681)
The following table lists all available health insurance plans in each county in Wyoming.
| Mountain Health CO-OP | $681 | $9,000 | HIGH PLAINS SILVER |
| Mountain Health CO-OP | $692 | $5,500 | HIGH PLAINS SILVER HDHP |
Age is an important part of how much you pay for health insurance in Wyoming. An 18-year-old will pay $531 for a Silver plan each month. But a 60-year-old will have to pay a lot more, at $1,578 each month. That's a big difference of $1,047.
Metal tiers show how much you share costs with your plan. A 40-year-old who picks a Bronze plan has a monthly cost of $599. But if they go for a Gold plan, they pay more each month, which is $752. The Gold plan costs $153 more than the Bronze plan. Gold plans usually cover more than Bronze plans.
MoneyGeek broke down health insurance options in Wyoming, making it simple to understand choices like marketplace plans with their metal levels, Medicaid and Medicare. We explain each option so you can determine which coverage best fits your health needs. Our guide aims to give you the clear information needed to choose smartly and take care of your health with confidence.
In Wyoming, the open enrollment period for private health insurance through the Health Insurance Marketplace typically runs from November 1 to December 15 each year. This period allows residents to shop for, compare and enroll in health insurance plans for the upcoming calendar year. If you miss the open enrollment deadline, you may have to wait until the next year to get coverage unless you qualify for a Special Enrollment Period (SEP). An SEP can be triggered by certain life events, such as getting married, having a baby or losing other health coverage, which allows you to enroll outside the standard open enrollment window.
Medicaid is a joint federal and state program designed to provide health care coverage to individuals and families with low income. In Wyoming, Medicaid eligibility is determined based on income, family size and other factors. The program primarily serves children, pregnant women, elderly adults and people with disabilities. Income limits vary by group — for example, pregnant women can qualify with an income up to 198% of the Federal Poverty Level (FPL). By offering essential health care services at reduced or no cost, Medicaid aims to improve access to quality health care for vulnerable populations.
Medicare is a federal health insurance program primarily for individuals aged 65 or over. It is also for some younger people with disabilities or those with End-Stage Renal Disease. In Wyoming, residents who meet these criteria are eligible for Medicare. The program is divided into parts: Part A covers inpatient hospital stays, skilled nursing facility care and some home health care services; Part B covers outpatient care, doctor's services and preventive services; Part C, also known as Medicare Advantage, includes all Part A and Part B benefits and often offers additional benefits through private insurers; Part D adds prescription drug coverage.
MoneyGeek has researched the best Medicare Advantage Plans in Wyoming and the best Medicare Supplement plans in Wyoming.
When looking for health insurance, you may have questions about cost and availability. MoneyGeek responded to frequently asked questions about cheap private health insurance in Wyoming to help you learn more.
The cheapest Silver plan in Wyoming for this year is the HIGH PLAINS SILVER provided by Mountain Health CO-OP at a monthly cost of $681. Conversely, the cheapest Gold plan in Wyoming is the BlueSelect Gold Core offered by Blue Cross Blue Shield, costing $689 per month.
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.
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.
