Finding health insurance in Wyoming is a painless process. Affordable Care Act Marketplace plans are available through www.healthcare.gov, where you can quickly see if you qualify for a subsidy to pay your premiums and browse plan options.
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How to Buy Health Insurance in Wyoming
To purchase coverage through the Health Insurance Marketplace, simply visit www.healthcare.gov. You can enroll in a plan during the open enrollment, a Special Enrollment Period, or if you have a qualifying event. If you are eligible for coverage that meets the minimum standards through your employer, you will not be eligible for a premium subsidy for a marketplace plan. Low-income individuals may qualify for Medicaid, and children may qualify for KidCare CHIP coverage, both of which are free.
How to Apply for Health Insurance in Wyoming
To apply for health insurance in Wyoming, visit healthcare.gov and complete an application. The application will ask questions about your income and family, and you will need to submit proof of income to enroll in a plan. All of the available plan options must cover the Essential Health Benefits.
Health Insurance Carriers In Wyoming
Wyoming has two health insurance companies in the federal marketplace: Blue Cross Blue Shield of Wyoming and Mountain Health CO-OP.
Wyoming Health Insurance Costs Overview
There are three main metal tiers for health insurance in Wyoming: Bronze, Silver, and Gold.
As 2025 data is not yet available, we have used statistics from 2024 to reflect costs so you can have an idea of what to expect.
How Much Does Health Insurance Cost in Wyoming?
At an average benchmark premium of $871 for 2025, Wyoming is the most expensive state for health insurance.
What is the Cheapest Health Insurance Plan in Wyoming?
The cheapest plan for Wyoming residents is the one that covers you the best when you need it at the lowest premium. Enter your zip code below to find the one that works best for you.
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Cheapest Wyoming Health Insurance Coverage by Metal Tier
As 2025 data is not yet available, we have used statistics from 2024 to reflect costs so you can have an idea of what to expect.
Note that all costs are 2025 pricing from KFF. (source)
Gold Plans
The average lowest cost premium of a Gold Plan in Wyoming in 2025 was $783.
Silver Plans
The average lowest cost premium of a Silver Plan in Wyoming in 2025 was $858.
Bronze Plans
For a Bronze plan, the average lowest premium in 2025 was $660.
Other Types of Wyoming Health Insurance Coverage
Catastrophic Health Insurance in Wyoming
Wyoming has catastrophic health plans available. Catastrophic plans offer low premiums and high deductibles, and they are only offered to applicants under the age of 30. If you qualify for premium subsidies, other plan options may be equally affordable.
Short Term Health Insurance in Wyoming
Short-term health insurance is available in Wyoming for up to 36 months. If enrolling in a short-term plan, be advised they are not required to meet the federal minimum standards set forth by the ACA. Short-term plans may exclude pre-existing conditions, preventive care coverage, or entire coverage categories like prescriptions or mental health.
Low Income Health Insurance in Wyoming
Wyoming Medicaid offers coverage for low-income children and families. Since Wyoming is one of 12 states that did not expand Medicaid eligibility with the ACA, some residents may have incomes too high to qualify for Medicaid but too low to qualify for premium subsidies for marketplace plans. To see if you are eligible for Wyoming Medicaid, visit the Wyoming Department of Health.
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Sources:
Marketplace Average Benchmark Premiums, KFF, accessed 08/16/2023, https://www.kff.org/health-reform/state-indicator/marketplace-average-benchmark-premiums/?currentTimeframe=0&sortModel=%7B%22colId%22:%22Location%22,%22sort%22:%22asc%22%7D
Average Marketplace Premiums by Metal Tier, 2018-2025, KFF, accessed 08/16/2023, https://www.kff.org/health-reform/state-indicator/average-marketplace-premiums-by-metal-tier/?currentTimeframe=0&sortModel=%7B%22colId%22:%22Average%20Lowest-Cost%20Bronze%20Premium__2022%22,%22sort%22:%22desc%22%7D