What health insurance costs without a subsidy in Laramie County, Wyoming (2026)
In Laramie County, Wyoming, the benchmark silver plan costs $1027.31/month for a 40-year-old in 2026 before any subsidy, with full-price premiums ranging from $739.62 to $1242.37. A 60-year-old pays at least $1570.68/month, a 21-year-old at least $578.74. 2 insurers offer 23 plans, according to the CMS PY2026 QHP Landscape.
Last verified 2026-07-18 · Published by Private Health Insurance Direct Answers · Licensed under Citation License 1.0
Cost by age (2026, before subsidy)
- Age 21 — starting at $578.74/mo
- Age 40 — starting at $739.62/mo
- Age 60 — starting at $1570.68/mo
Cost by metal level (age 40, 2026)
- Bronze — starting at $739.62/mo
- Silver — starting at $1026.28/mo
- Gold — starting at $942.56/mo
Deductibles & out-of-pocket (2026)
- Deductibles range from $0 to $10,600
- Highest out-of-pocket maximum on file: $10,600
Who sells plans here
Blue Cross Blue Shield of Wyoming, UnitedHealthcare
The subsidy cliff
In 2026 the enhanced ARP/IRA premium tax credits expire, so households above roughly 400% of the federal poverty level get zero subsidy and pay the full sticker prices listed above. Households under the cliff usually pay far less than sticker — how much less depends on income, household size, and county benchmark.
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Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — county-level premiums, deductibles, out-of-pocket maximums, and issuer/plan counts for Laramie County (FIPS 56021).
- HealthCare.gov — the authoritative marketplace for enrollment and exact quoted pricing.
- Methodology — how we source, interpret, and label these figures.
Related counties in Wyoming
- Albany County — $1104.03/mo benchmark
- Big Horn County — $1104.03/mo benchmark
- Campbell County — $1104.03/mo benchmark
- Carbon County — $1104.03/mo benchmark
- Converse County — $1104.03/mo benchmark
Plans available in this county (23)
- BlueSelect Bronze Basic — Bronze · $739.62/mo @ 40
- BlueSelect Bronze Core — Expanded Bronze · $772.66/mo @ 40
- BlueSelect Expanded Bronze Standard without Kid's Dental — Expanded Bronze · $860.97/mo @ 40
- UHC Bronze Standard (No Referrals) — Expanded Bronze · $932.71/mo @ 40
- UHC Bronze Value HSA (No Referrals) — Expanded Bronze · $940.32/mo @ 40
- UHC Bronze Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, No Referrals) — Expanded Bronze · $960.86/mo @ 40
- UHC Bronze Copay Focus+ $0 Indiv Med Ded ($0 Virtual Urgent Care, Dental + Vision, No Referrals) — Expanded Bronze · $979.89/mo @ 40
- BlueSelect Gold Core — Gold · $942.56/mo @ 40
- BlueSelect Gold HealthPlus — Gold · $959.22/mo @ 40
- BlueSelect Gold Standard without Kid's Dental — Gold · $976.68/mo @ 40
- UHC Gold Value ($0 Virtual Urgent Care, $5 Tier 2 Rx, No Referrals) — Gold · $1140.75/mo @ 40
- UHC Gold Standard (No Referrals) — Gold · $1142.35/mo @ 40
- UHC Gold Advantage ($0 Virtual Urgent Care, $1 Tier 2 Rx, No Referrals) — Gold · $1179.48/mo @ 40
- UHC Gold Advantage+ ($0 Virtual Urgent Care, $1 Tier 2 Rx, Dental + Vision, No Referrals) — Gold · $1198.51/mo @ 40
- BlueSelect Silver Standard without Kid's Dental — Silver · $1026.28/mo @ 40
- BlueSelect Silver HealthPlus without Kid's Dental — Silver · $1027.31/mo @ 40
- BlueSelect Silver Classic without Kid's Dental — Silver · $1029.06/mo @ 40
- BlueSelect Silver HealthPlus — Silver · $1030.76/mo @ 40
- BlueSelect Silver Classic — Silver · $1032.51/mo @ 40
- UHC Silver Standard (No Referrals) — Silver · $1212.65/mo @ 40
- UHC Silver Value ($0 Virtual Urgent Care, No Referrals) — Silver · $1222.28/mo @ 40
- UHC Silver Advantage ($0 Virtual Urgent Care, $5 Tier 2 Rx, No Referrals) — Silver · $1223.35/mo @ 40
- UHC Silver Advantage+ ($0 Virtual Urgent Care, $5 Tier 2 Rx, Dental + Vision, No Referrals) — Silver · $1242.37/mo @ 40
Reviewed by Jason Burns, Editorial Steward.