Quick answer
Wyoming has some of the priciest individual health insurance in the country. In 2026, the benchmark silver plan for a 40-year-old averaged $1,090 a month before subsidies, second only to Vermont, and full prices run from about $853 at 21 to $2,559 at 64. Tax credits are large too: 87% of enrollees got one, and those who did paid just $88 a month on average. Insurers have proposed 2027 increases averaging 11.3%, which weren’t final as of late September 2026.
Key takeaways
- Wyoming’s 2026 benchmark premium for a 40-year-old, $1,090 a month, was the second-highest in the country after Vermont’s.
- The average Wyoming tax credit was $1,127 a month in 2026, and 87% of enrollees got one.
- Blue Cross Blue Shield of Wyoming and UnitedHealthcare are the state’s two Marketplace insurers, and both are returning for 2027; Mountain Health CO-OP left after 2025.
- Proposed 2027 increases average 11.3% before subsidies and were still under federal review as of late September 2026.
- Wyoming hasn’t expanded Medicaid, and roughly 9,000 to 11,000 adults fall in the coverage gap.
On this page
What a Wyoming Marketplace plan costs before subsidies
| Age | Benchmark silver plan, per month (2026 estimate) |
|---|---|
| 21 | $853 |
| 30 | $968 |
| 40 | $1,090 |
| 50 | $1,523 |
| 60 | $2,315 |
| 64 | $2,559 |
| Child under 15 | $652 |
Before any tax credit, benchmark coverage for two 40-year-old parents and two young children would run about $3,485 a month.
What you’d pay after a tax credit
Because the credit is pegged to the benchmark plan’s price, Wyoming’s tax credits are among the largest in the country. If your household income is between 100% and 400% of the federal poverty level, a premium tax credit holds your cost for the benchmark plan to a share of your income. A single 40-year-old in Wyoming earning $40,000 would pay about $287 a month for the benchmark plan in 2026, and the credit would pay about $803. For 2027, their share would be about $289. Above 400% of the poverty level ($62,600 for one person for 2026 coverage, $63,840 for 2027), there’s no credit, and you’d face Wyoming’s full prices.
In 2026, the average credit was $1,127 a month. Enrollees who got one paid $88 a month on average, 23% of all enrollees paid less than $10 a month, and the average across everyone was $235.
Wyoming hasn’t expanded Medicaid, so adults below the poverty level usually get neither Medicaid nor a tax credit. Adults without children can’t qualify for Wyoming Medicaid at any income, and parents qualify only up to about 43% of the poverty level. For other options, see health insurance for low-income families.
Costs beyond the premium
Once you start using care, your deductible, copays and coinsurance come into play, up to the out-of-pocket maximum: $10,600 for one person in 2026 and $12,000 in 2027. Silver plans have cost-sharing reductions for incomes under 250% of the poverty level. If you’re under 30, a catastrophic plan is another low-premium choice, though you can’t use a tax credit to buy one.
Wyoming Marketplace facts
- Marketplace: Wyoming residents enroll through HealthCare.gov.
- Enrollment: 41,545 plan selections for 2026, down about 11% from 46,643 in 2025. 87% got a premium tax credit, and the average enrollee paid $235 a month after it.
- Insurers: Blue Cross Blue Shield of Wyoming and UnitedHealthcare, both returning for 2027. Mountain Health CO-OP, which had sold plans in Wyoming since 2021, left at the end of 2025.
- 2027 prices: Proposed, and not yet final as of late September 2026. The weighted average is 11.3%, and healthinsurance.org lists requests of 9.3% for Blue Cross Blue Shield of Wyoming and 25.4% for UnitedHealthcare. Wyoming doesn’t have an effective state rate review program, so CMS reviews the filings.
- State help: Wyoming has no state premium subsidy, reinsurance program or individual mandate.
- Medicaid: Wyoming is one of 10 states that haven’t expanded Medicaid. Parents qualify only up to about 43% of the poverty level, and adults without children don’t qualify at any income. Pregnant women and children through age 5 qualify up to 159%, and Kid Care CHIP covers children up to 205%. Roughly 9,000 to 11,000 adults are in the coverage gap. Compare other states in Medicaid income limits by state.
When to enroll
Wyoming follows HealthCare.gov’s schedule: open enrollment for 2027 coverage runs from November 1, 2026 to January 15, 2027. Sign up by December 15 to have coverage from January 1. For ways to keep costs down, see how to lower your Marketplace premium.
Other options in Wyoming
- A job-based plan, generally the cheapest coverage available if your employer offers one.
- Medicaid for parents, pregnant women and children who meet its income limits, and Kid Care CHIP for children; see health insurance for children.
- Medicare at 65.
Health insurance costs in nearby states: Montana, South Dakota, Nebraska, Colorado and Idaho. You can also compare health insurance costs in every state.
See 2027 plans and prices in your Wyoming county: compare quotes by ZIP code.
Frequently asked questions
How much is health insurance in Wyoming per month?
Before subsidies, the 2026 benchmark silver plan for a 40-year-old averaged $1,090 a month. After tax credits, the average enrollee paid $235 a month, and those who got a credit paid $88.
Did Wyoming expand Medicaid?
No. Adults without children can’t get Wyoming Medicaid at any income, and parents qualify only up to about 43% of the poverty level. Roughly 9,000 to 11,000 adults fall in the coverage gap, earning too little for a tax credit without qualifying for Medicaid.
Who sells Marketplace plans in Wyoming for 2027?
Blue Cross Blue Shield of Wyoming and UnitedHealthcare. Mountain Health CO-OP stopped selling plans in Wyoming after 2025.
How much will Wyoming premiums go up in 2027?
Insurers have proposed an average increase of 11.3% before subsidies. The rates were still under federal review as of late September 2026.
Sources
This article is general information, not insurance or tax advice. Prices are averages and estimates; your actual premium depends on your county, age, income and plan. Last reviewed September 2026.