How much does health insurance cost in Wyoming in 2026?
Real prices from the official 2026 HealthCare.gov plan file for all 23 counties in Wyoming, plus tax-credit examples and private plan ranges.
Monthly premiums by tier and age
| Tier | Age 21 | Age 30 | Age 40 | Age 50 | Age 60 |
|---|---|---|---|---|---|
| Bronze | $622–$724 | $706–$822 | $795–$925 | $1,111–$1,293 | $1,688–$1,965 |
| Silver | $863–$905 | $980–$1,027 | $1,103–$1,156 | $1,541–$1,616 | $2,342–$2,455 |
| Gold | $793–$873 | $900–$990 | $1,013–$1,115 | $1,416–$1,559 | $2,151–$2,368 |
Typical county range (median of county lows to median of county highs), full price, from the CMS 2026 plan file. The cheapest county goes as low as $740 for a 40-year-old on Bronze; the most expensive county reaches $1,199 on Gold.
Ranges at a glance (age 40)
What a tax credit does (in Laramie County, the state's most populous county)
| Household | % of poverty level | Estimated tax credit | Cheapest Bronze, full → after credit |
|---|---|---|---|
| A single 40-year-old earning $40,000 | 255% | $740/mo | $740 → $0 |
| A family of four (parents 40 and 38, two kids) earning $85,000 | 264% | $2,630/mo | $2,346 → $0 |
2025 federal poverty guidelines apply to 2026 coverage; the enhanced credits of 2021–2025 expired, so the 400% cutoff is back (for one person that is $62,600 a year, for four $128,600). The Marketplace sets the final credit.
See your own numbers for Wyoming
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Private plans in Wyoming
| Age | Man, monthly range | Woman, monthly range |
|---|---|---|
| 30 | $52–$328 | $128–$428 |
| 40 | $118–$456 | $153–$506 |
| 50 | $240–$526 | $227–$519 |
| 60 | $391–$719 | $331–$657 |
A family of four (parents 40 and 38 with two children) is typically quoted $479 to $956 a month in Wyoming. Private plans are not ACA plans: no tax credit, health questions on the application, and pre-existing conditions can raise the price or be excluded. Deductibles are usually lower than the cheapest Marketplace tiers and you can enroll any month of the year.
Wyoming counties
| County | Plans | Insurers | Cheapest Bronze, 40 | Silver benchmark, 40 |
|---|---|---|---|---|
| Laramie County | 23 | 2 | $740 | $1,027 |
| Natrona County | 23 | 2 | $773 | $1,073 |
| Campbell County | 23 | 2 | $795 | $1,104 |
| Sweetwater County | 23 | 2 | $795 | $1,104 |
| Fremont County | 23 | 2 | $795 | $1,104 |
| Albany County | 23 | 2 | $795 | $1,104 |
| Sheridan County | 23 | 2 | $795 | $1,104 |
| Park County | 23 | 2 | $795 | $1,104 |
| Teton County | 11 | 1 | $795 | $1,104 |
| Lincoln County | 11 | 1 | $795 | $1,104 |
| Uinta County | 11 | 1 | $795 | $1,104 |
| Carbon County | 23 | 2 | $795 | $1,104 |
| Converse County | 23 | 2 | $795 | $1,104 |
| Goshen County | 23 | 2 | $795 | $1,104 |
| Big Horn County | 23 | 2 | $795 | $1,104 |
| Sublette County | 23 | 2 | $795 | $1,104 |
| Johnson County | 23 | 2 | $795 | $1,104 |
| Platte County | 23 | 2 | $795 | $1,104 |
| Crook County | 23 | 2 | $795 | $1,104 |
| Washakie County | 23 | 2 | $795 | $1,104 |
| Weston County | 23 | 2 | $795 | $1,104 |
| Hot Springs County | 23 | 2 | $795 | $1,104 |
| Niobrara County | 23 | 2 | $795 | $1,104 |
Questions people ask
How much is health insurance in Wyoming per month?
For a 40-year-old paying full price in 2026, Marketplace Bronze plans typically run $795 to $925 a month across Wyoming counties, Silver $1,103 to $1,156, and the silver benchmark that tax credits are based on is about $1,104. Most people who qualify for a credit pay far less; see the examples above.
Does Wyoming have Medicaid expansion?
No. Marketplace tax credits start at 100% of the federal poverty level; below that there is a coverage gap an advisor can help you navigate.
Where do Wyoming residents enroll in a Marketplace plan?
Wyoming uses HealthCare.gov. Open Enrollment for 2027 runs November 1 to mid-January; outside that window you need a qualifying life event.
Are private health plans cheaper than the Marketplace in Wyoming?
Often, for healthy households that do not qualify for a tax credit. A healthy 40-year-old man is typically quoted $118 to $456 a month on private plans in Wyoming, versus $795 to $925 for Marketplace Bronze at full price. Private plans are medically underwritten and are not ACA plans, so anyone with a tax credit or ongoing conditions usually does better on the Marketplace.
Sources: CMS QHP Landscape PY2026 Individual Medical (data.healthcare.gov, snapshot August 4, 2026); HHS 2025 poverty guidelines; IRS Rev. Proc. 2025-25; private ranges from the carrier rate tables our advisors quote from. Page generated 2026-09-29.