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Wyoming · 2026 plan year

Silver health insurance plans in Wyoming (2026)

There are 9 Silver plans on the Wyoming Marketplace from 2 insurers, and they are not interchangeable — premiums run from $803 to $905 a month for the same metal tier. Here is what separates them.

9
Silver plans
2
Insurers
20
Counties covered
$803
Cheapest premium
$5,400
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.

In Wyoming, Silver costs more than Gold.

The average Silver plan in Wyoming runs $844 a month against $807 for Gold — $37 more for a tier that covers a smaller share of your care. That inversion is silver loading: the cost of the extra cost-sharing reductions insurers must build into Silver plans is priced into every Silver premium, including yours if you do not qualify for them.

Only two insurers sell Silver plans in Wyoming.

All 9 Silver plans on the Wyoming Marketplace come from Blue Cross Blue Shield of Wyoming and UnitedHealthcare. 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.

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 Silver plan costs in Wyoming in 2026

Across all 9 Silver plans in Wyoming, monthly premiums run from $803 to $905, averaging $844. 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

Silver plan deductibles in Wyoming

Silver deductibles in Wyoming run from $3,600 to $6,000, with a median of $5,400 across all 9 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 $4,844 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

Silver out-of-pocket maximums in Wyoming

Individual out-of-pocket maximums on Wyoming Silver plans run from $8,900 to $10,400, with a median of $9,850. 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 Silver plans in Wyoming

PlanPremium / mo (age 21, pre-subsidy)DeductibleOut-of-pocket max
BlueSelect Silver Standard without Kid's DentalBlue Cross Blue Shield of Wyoming$803$6,000$8,900
BlueSelect Silver HealthPlus without Kid's DentalBlue Cross Blue Shield of Wyoming$804$5,500$9,400
BlueSelect Silver Classic without Kid's DentalBlue Cross Blue Shield of Wyoming$805$3,600$10,400
BlueSelect Silver HealthPlusBlue Cross Blue Shield of Wyoming$807$5,500$9,400
BlueSelect Silver ClassicBlue Cross Blue Shield of Wyoming$808$3,600$10,400

Showing 5 of 9. See all Wyoming Silver plans →

Who sells here

Silver plans by insurer

InsurerSilver plansCheapestTier averageDeductible range
Blue Cross Blue Shield of Wyoming5$803$805$3,600–$6,000
UnitedHealthcare4$883$892$4,000–$6,000
Other tiers in Wyoming

How Silver compares to the rest

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

All WyomingMarketplace plans →

Nearby on price

States with similar Silver premiums

Alaska
Avg $791
4 Silver plans
Common questions

Wyoming Silver plans, answered

What are the copays on Wyoming Silver 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 9 Silver plans in Wyoming, out-of-pocket maximums run $8,900 to $10,400, and deductibles on all 9 plans run $3,600 to $6,000. Open any plan below to see its full cost-sharing schedule, including primary care, specialist and prescription tiers.
Who is eligible for a Silver plan in Wyoming?
Anyone eligible to buy Marketplace coverage in Wyoming can pick a Silver plan — there is no separate test for the tier. What Silver uniquely unlocks is cost-sharing reductions, available if your household income is roughly 100–250% of the federal poverty level. Those reductions apply only to Silver plans, which is why Silver is usually the right choice at those incomes even though its sticker price here ($844 a month on average) is higher than Gold in some states.
What is the deductible on Wyoming Silver plans?
Silver deductibles in Wyoming run from $3,600 to $6,000 across all 9 plans, with a median of $5,400 — that median is the figure closest to a typical plan. Out-of-pocket maximums run $8,900 to $10,400. 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 Silver plans available in my Wyoming county?
Silver 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 Silver premiums in Wyoming start at $803 a month before any subsidy.

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