Individual Health Insurance Plan Costs in Wyoming
| Plan Type | Age 30 | Age 40 | Age 50 | HSA Eligible? |
|---|---|---|---|---|
| Bronze (HDHP) | $209/mo | $290/mo | $420/mo | ✓ Yes |
| Silver | $253/mo | $352/mo | $510/mo | Some plans |
| Gold | $301/mo | $418/mo | $606/mo | Rarely |
| Platinum | $362/mo | $503/mo | $729/mo | No |
Premiums shown before ACA subsidies. Actual costs depend on age, zip code, tobacco status, and income. Rates effective 2026.
ACA Subsidy Eligibility in Wyoming
| Annual Income | % of FPL | Max Premium (% of income) | Estimated Subsidy/mo |
|---|---|---|---|
| $20,783 | 138% FPL | 0% | Full subsidy ($0 premium) |
| $30,000 | 200% FPL | 2% | $302/mo |
| $45,000 | 300% FPL | 6% | $127/mo |
| $60,000 | 400% FPL | 8.5% | $0/mo |
| $75,000+ | 500%+ FPL | 8.5% cap | Smaller subsidy |
Silver plan tip: If your income is between 100–250% FPL, choose a Silver plan to access Cost Sharing Reduction (CSR) subsidies that lower your deductible and copays — not available on Bronze, Gold, or Platinum plans.
How Individual Health Insurance Works in Wyoming
- Open Enrollment: November 1 – January 15 each year. Coverage starts January 1 (if enrolled by Dec 15).
- Special Enrollment: 60-day window after a qualifying life event (job loss, marriage, birth, move).
- Network types: HMO (lower cost, requires referrals), PPO (more flexibility, higher premium), EPO (no referrals, no out-of-network), HDHP (HSA-eligible, high deductible).
- Essential benefits: All ACA plans cover 10 essential benefits including preventive care, emergency services, maternity, mental health, and prescriptions.
Wyoming Medicaid & Coverage Gap
Wyoming has not expanded Medicaid. Residents below 100% FPL may not qualify for marketplace subsidies and could face a coverage gap. Plans start at $290/month.
Frequently Asked Questions
How much does individual health insurance cost in Wyoming?
Individual health insurance in Wyoming costs $290–$418/month before subsidies depending on plan type and age. After ACA premium tax credits, many Wyoming residents pay significantly less — some pay $0/month.
What plans are available for individuals in Wyoming?
ACA marketplace plans in Wyoming include Bronze, Silver, Gold, and Platinum tiers from carriers like Blue Cross Blue Shield, Ambetter, Cigna, and UnitedHealthcare. Plan availability varies by county.
When can I enroll in individual health insurance?
Open Enrollment runs November 1 through January 15. Outside of Open Enrollment, you need a qualifying life event to enroll — job loss, marriage, birth, move to a new state, or loss of other coverage.
Is individual health insurance the same as private health insurance?
Yes — individual health insurance and private health insurance refer to the same thing: a health plan you purchase yourself rather than getting through an employer. ACA marketplace plans are individual health insurance.