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Wyoming · 2026 plan year

Gold health insurance plans in Wyoming (2026)

There are 7 Gold plans on the Wyoming Marketplace from 2 insurers, and they are not interchangeable — premiums run from $738 to $873 a month for the same metal tier. Here is what separates them.

7
Gold plans
2
Insurers
20
Counties covered
$738
Cheapest premium
$2,000
Median deductible
These are benchmark premiums, not your price. Every dollar figure here is the individual rate at age 21 for a non-tobacco user, before any premium tax credit — the standard way plans are compared like for like. What you actually pay depends on your age, county, household and income. Estimate your real cost.

Only two insurers sell Gold plans in Wyoming.

All 7 Gold plans on the Wyoming Marketplace come from UnitedHealthcare and Blue Cross Blue Shield of Wyoming. With the whole tier split between two carriers, the network question comes first: confirm which of the two covers your providers, then compare plan designs inside that one.

Wyoming has one of the smallest Gold markets in the country.

There are just 7 Gold plans here from 2 insurers, against an average of about 40 per state. Fewer options makes the comparison quicker, but it also means a single plan's network or drug list can decide the whole decision.

Metal tiers describe roughly what share of covered costs a plan pays, not the quality of its care or network. How the metal tiers actually differ walks through the trade, and how ACA subsidies work explains why the prices below are rarely what anyone pays.

Cost

What a Gold plan costs in Wyoming in 2026

Across all 7 Gold plans in Wyoming, monthly premiums run from $738 to $873, averaging $807. Those are age-21, non-tobacco rates before any subsidy — the basis every figure on this page uses, and rarely what anyone actually pays. Premium tax credits cut that bill for most Wyoming enrollees, often to a fraction of the sticker price.

Deductibles

Gold plan deductibles in Wyoming

Gold deductibles in Wyoming run from $1,500 to $2,000, with a median of $2,000 across all 7 plans — the amount you pay yourself before the plan starts sharing most costs. The median is the closest thing to a typical plan; the mean sits at $1,786 because the spread is not symmetric. No single figure is a quote — the table below shows the real deductible on each of the cheapest plans, and the insurer breakdown shows how the range splits by carrier.

Out-of-pocket maximum

Gold out-of-pocket maximums in Wyoming

Individual out-of-pocket maximums on Wyoming Gold plans run from $7,000 to $10,600, with a median of $8,200. That is the ceiling on what a plan can make you pay in a year for covered in-network care — after you reach it, the plan pays 100% of covered services. It is the number that matters most in a bad year, and the top of the range here is set by the federal limit that applies to every Marketplace plan, not by the insurer.

Lowest premiums

The cheapest Gold plans in Wyoming

PlanPremium / mo (age 21, pre-subsidy)DeductibleOut-of-pocket max
BlueSelect Gold CoreBlue Cross Blue Shield of Wyoming$738$2,000$7,000
BlueSelect Gold HealthPlusBlue Cross Blue Shield of Wyoming$751$1,500$10,600
BlueSelect Gold Standard without Kid's DentalBlue Cross Blue Shield of Wyoming$764$2,000$8,200
UHC Gold Value ($0 Virtual Urgent Care, $5 Tier 2 Rx, No Referrals)UnitedHealthcare$831$2,000$8,600
UHC Gold Standard (No Referrals)UnitedHealthcare$832$2,000$8,200

Showing 5 of 7. See all Wyoming Gold plans →

Who sells here

Gold plans by insurer

InsurerGold plansCheapestTier averageDeductible range
UnitedHealthcare4$831$848$1,500–$2,000
Blue Cross Blue Shield of Wyoming3$738$751$1,500–$2,000
Other tiers in Wyoming

How Gold compares to the rest

Bronze
Avg $662 · from $579
7 plans
Silver
Avg $844 · from $803
9 plans
Gold
Avg $807 · from $738
7 plans · you are here

All WyomingMarketplace plans →

Nearby on price

States with similar Gold premiums

Alaska
Avg $708
5 Gold plans
Common questions

Wyoming Gold plans, answered

What are the copays on Wyoming Gold plans?
Copays vary plan by plan rather than by tier — the metal level sets roughly what share of total care costs the plan covers, not the individual amounts. What the tier does bound is the rest of the cost-sharing: across the 7 Gold plans in Wyoming, out-of-pocket maximums run $7,000 to $10,600, and deductibles on all 7 plans run $1,500 to $2,000. Open any plan below to see its full cost-sharing schedule, including primary care, specialist and prescription tiers.
Who is eligible for a Gold plan in Wyoming?
Any Wyoming Marketplace shopper can choose Gold. It suits people who expect steady ongoing care, since the higher premium buys a much lower deductible — a median of $2,000 in this tier. If your income qualifies you for cost-sharing reductions, compare against Silver before deciding, since those only apply to Silver.
What is the deductible on Wyoming Gold plans?
Gold deductibles in Wyoming run from $1,500 to $2,000 across all 7 plans, with a median of $2,000 — that median is the figure closest to a typical plan. Out-of-pocket maximums run $7,000 to $10,600. The spread inside a single tier is wide, so two plans at a similar premium can differ by thousands in what you would actually pay during a year with significant care. Deductible is usually a better basis for comparison than premium alone.
Are Gold plans available in my Wyoming county?
Gold plans are sold in 20 Wyoming counties, from 2 insurers. Which specific plans you can buy depends on where you live — a plan offered in a metro county is often not sold in a rural one. Enter your ZIP code to narrow the list to plans actually available to you.
When can I enroll in a Marketplace plan in Wyoming?
Wyoming uses the federal Marketplace, so open enrollment runs November 1 to January 15. Outside that window you need a qualifying life event — losing job-based coverage, moving, marriage, or a birth — to open a special enrollment period. Cheapest Gold premiums in Wyoming start at $738 a month before any subsidy.

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