Health insurance prices in Laramie County, WY (2026)
23 marketplace plans from 2 insurers. Cheapest plan $740/mo; typical Silver $1,033/mo. Official marketplace: HealthCare.gov (enter your ZIP for your real price and tax credit).
Plan year 2026 prices; 2027 prices will be added as soon as CMS publishes them. Monthly premium for one 40-year-old, before any tax credit (subsidy). Rating Area 2.
Tick 2 to 4 options anywhere on this page (an insurer's cheapest plan, any plan in the full list, or a health sharing program) and press Compare. You can mix insurance and health sharing, and share the link.
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Individual & family health insurance (marketplace / ACA plans)
Real insurance plans you buy yourself (not through a job), sold by companies like UnitedHealthcare, Blue Cross Blue Shield, Ambetter (Centene), Oscar, Cigna, Molina and Anthem through HealthCare.gov or your state's marketplace.
Looking for Aetna? Aetna CVS Health left the ACA marketplace for 2026 (it sold plans in 17 states in 2025). Source: KFF
All plans here: Bronze $740–$980 (typical $933) · Silver $1,026–$1,242 (typical $1,033) · Gold $943–$1,199 (typical $1,141)
Insurers, sorted by typical Silver price
Every marketplace insurer must sell Silver and Gold plans; Bronze is optional, so Silver is the fair comparison. Typical = median monthly premium, age 40.
| Comparecheapest plan | Insurer | Plans | Cheapest plan | Typical Bronze | Typical Silver | Typical Gold | Cheapest plan name |
|---|---|---|---|---|---|---|---|
| Blue Cross Blue Shield of WyomingIndependent Blue Cross Blue Shield company | 11 | $740 | $773 | $1,029 | $959 | BlueSelect Bronze Basic | |
| UnitedHealthcareUnitedHealth Group | 12 | $933 | $951 | $1,223 | $1,161 | UHC Bronze Standard (No Referrals) |
All 23 plans in Laramie County, cheapest first
| Compare | Insurer | Plan | Metal | Network | Monthly | Deductible | Out-of-pocket max | Bad year |
|---|---|---|---|---|---|---|---|---|
| Blue Cross Blue Shield of Wyoming | BlueSelect Bronze Basic | Bronze | PPO | $740 | $10,600 | $10,600 | $19,475 | |
| Blue Cross Blue Shield of Wyoming | BlueSelect Bronze Core | Expanded Bronze | PPO | $773 | $6,800 | $8,500 | $17,772 | |
| Blue Cross Blue Shield of Wyoming | BlueSelect Expanded Bronze Standard without Kid's Dental | Expanded Bronze | PPO | $861 | $7,500 | $10,000 | $20,332 | |
| UnitedHealthcare | UHC Bronze Standard (No Referrals) | Expanded Bronze | EPO | $933 | $7,500 | $10,000 | $21,193 | |
| UnitedHealthcare | UHC Bronze Value HSA (No Referrals) | Expanded Bronze | EPO | $940 | $7,000 | $8,300 | $19,584 | |
| Blue Cross Blue Shield of Wyoming | BlueSelect Gold Core | Gold | PPO | $943 | $2,000 | $7,000 | $18,311 | |
| Blue Cross Blue Shield of Wyoming | BlueSelect Gold HealthPlus | Gold | PPO | $959 | $1,500 | $10,600 | $22,111 | |
| UnitedHealthcare | UHC Bronze Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, No Referrals) | Expanded Bronze | EPO | $961 | $0 | $10,600 | $22,130 | |
| Blue Cross Blue Shield of Wyoming | BlueSelect Gold Standard without Kid's Dental | Gold | PPO | $977 | $2,000 | $8,200 | $19,920 | |
| UnitedHealthcare | UHC Bronze Copay Focus+ $0 Indiv Med Ded ($0 Virtual Urgent Care, Dental + Vision, No Referrals) | Expanded Bronze | EPO | $980 | $0 | $10,600 | $22,359 | |
| Blue Cross Blue Shield of Wyoming | BlueSelect Silver Standard without Kid's Dental | Silver | PPO | $1,026 | $6,000 | $8,900 | $21,215 | |
| Blue Cross Blue Shield of Wyoming | BlueSelect Silver HealthPlus without Kid's Dental | Silver | PPO | $1,027 | $5,500 | $9,400 | $21,728 | |
| Blue Cross Blue Shield of Wyoming | BlueSelect Silver Classic without Kid's Dental | Silver | PPO | $1,029 | $3,600 | $10,400 | $22,749 | |
| Blue Cross Blue Shield of Wyoming | BlueSelect Silver HealthPlus | Silver | PPO | $1,031 | $5,500 | $9,400 | $21,769 | |
| Blue Cross Blue Shield of Wyoming | BlueSelect Silver Classic | Silver | PPO | $1,033 | $3,600 | $10,400 | $22,790 | |
| UnitedHealthcare | UHC Gold Value ($0 Virtual Urgent Care, $5 Tier 2 Rx, No Referrals) | Gold | EPO | $1,141 | $2,000 | $8,600 | $22,289 | |
| UnitedHealthcare | UHC Gold Standard (No Referrals) | Gold | EPO | $1,142 | $2,000 | $8,200 | $21,908 | |
| UnitedHealthcare | UHC Gold Advantage ($0 Virtual Urgent Care, $1 Tier 2 Rx, No Referrals) | Gold | EPO | $1,179 | $1,500 | $7,000 | $21,154 | |
| UnitedHealthcare | UHC Gold Advantage+ ($0 Virtual Urgent Care, $1 Tier 2 Rx, Dental + Vision, No Referrals) | Gold | EPO | $1,199 | $1,500 | $7,000 | $21,382 | |
| UnitedHealthcare | UHC Silver Standard (No Referrals) | Silver | EPO | $1,213 | $6,000 | $8,900 | $23,452 | |
| UnitedHealthcare | UHC Silver Value ($0 Virtual Urgent Care, No Referrals) | Silver | EPO | $1,222 | $5,400 | $9,850 | $24,517 | |
| UnitedHealthcare | UHC Silver Advantage ($0 Virtual Urgent Care, $5 Tier 2 Rx, No Referrals) | Silver | EPO | $1,223 | $4,000 | $10,150 | $24,830 | |
| UnitedHealthcare | UHC Silver Advantage+ ($0 Virtual Urgent Care, $5 Tier 2 Rx, Dental + Vision, No Referrals) | Silver | EPO | $1,242 | $4,000 | $10,150 | $25,058 |
Deductibles and a bad year, by metal level
| Metal | Lowest | Typical* | Highest | Plans | Typical deductible | Typical out-of-pocket max | Typical bad year** |
|---|---|---|---|---|---|---|---|
| Bronze | $740 | $933 | $980 | 7 | $7,000 | $10,000 | $20,332 |
| Silver | $1,026 | $1,033 | $1,242 | 9 | $5,400 | $9,850 | $22,790 |
| Gold | $943 | $1,141 | $1,199 | 7 | $2,000 | $8,200 | $21,382 |
* Typical = median: half of plans cost less, half cost more. ** Bad year = 12 months of premium + the plan's in-network out-of-pocket maximum (median across plans). Out-of-network care and non-covered services are extra.