Wyoming
Cheapest ACA plans in Laramie, Wyoming for 2026
Plan year 2026, last refreshed 2026-04-19T08:08:55.462Z.
Laramie is in Albany County, Wyoming. 2 carriers sell 2026 ACA plans on Healthcare.gov for residents of Albany County, and the cheapest Bronze plan a 40-year-old can enroll in starts at $795/month before any subsidy. Carriers are licensed and rated at the county level, so the plans below cover everyone in Albany County, including Laramie.
Cheapest plans by metal tier
Lowest 2026 monthly premium for a single 40-year-old in Laramie (Albany County), on-exchange, before any subsidy. Per-age figures derived from the CMS QHP Landscape file using the HHS standardized age-rating curve (45 CFR 147.102).
| Tier | Cheapest age 40 monthly | Plans in Albany County |
|---|---|---|
| Bronze | $795 | 1 |
| Expanded Bronze | $830 | 6 |
| Gold | $1,013 | 7 |
| Silver | $1,103 | 9 |
The actual cheapest Bronze plan in Laramie
Blue Cross Blue Shield of Wyoming BlueSelect Bronze Basic
$795/moFor a family of four (two 40-year-olds and two kids under 14): Blue Cross Blue Shield of Wyoming BlueSelect Bronze Basic at $2,541/month before subsidies.
Carriers selling 2026 plans in Laramie
2 carriers sell 2026 plans on Healthcare.gov for Albany County residents. 37 plans total in Albany County.
| Carrier | On-exchange plans |
|---|---|
| UnitedHealthcare | 12 |
| BlueCross BlueShield of Wyoming | 11 |
What you'll actually pay in Laramie
Estimated monthly net premium for the cheapest Bronze plan above ($795/mo before subsidy) on Healthcare.gov, after federal APTC. APTC is computed against the Albany Countybenchmark Silver per 26 USC §36B. Approximate; exact net varies by plan's EHB% and child-rate structure.
Single 40-year-old
| Annual income | FPL % | Federal APTC | Cheapest Bronze net |
|---|---|---|---|
| $25,000 | 160% | $1,007/mo | $0/mo |
| $40,000 | 256% | $818/mo | $0/mo |
| $60,000 | 383% | $607/mo | $188/mo |
| $100,000 | 639% | — | $795/mo |
Family of 4 (two 40-year-olds, two children)
| Annual income | FPL % | Federal APTC | Cheapest Bronze net |
|---|---|---|---|
| $40,000 | 124% | $3,460/mo | $0/mo |
| $80,000 | 249% | $2,970/mo | $0/mo |
| $130,000 | 404% | — | $2,541/mo |
| $200,000 | 622% | — | $2,541/mo |
FPL = Federal Poverty Level. APTC = Advance Premium Tax Credit (the federal subsidy). Off-exchange and Catastrophic plans are not APTC-eligible. Enter your real income on the home page to see plan-specific net premium with the per-plan EHB-percent cap applied.
Frequently asked questions
What is the cheapest ACA plan in Laramie, Wyoming for 2026?
The cheapest Bronze plan a 40-year-old can enroll in is Blue Cross Blue Shield of Wyoming BlueSelect Bronze Basic at $795 per month before subsidies. Plans sell through Healthcare.gov. Laramie is in Albany County, Wyoming; carriers are licensed and rated at the county level. Data refreshed 2026-04-19T08:08:55.462Z.
How does Laramie's 2026 ACA pricing compare to other Wyoming cities?
Cheapest Bronze for a 40-year-old in Laramie is $795 per month before subsidies. For comparison: Cheyenne at $740/mo; Casper at $773/mo; Gillette at $795/mo. Different cities can have different cheapest plans because plans are sold per county and carrier participation varies by jurisdiction.
Does Wyoming use Healthcare.gov?
Yes. Wyoming participates in the federally-facilitated Marketplace (FFM), so enrollment and subsidy applications run through healthcare.gov. Wyoming does not operate a state-based exchange.
Has Wyoming expanded Medicaid?
No. Wyoming has not adopted ACA Medicaid expansion. Wyoming Medicaid for non-disabled adults is extremely narrow (parents roughly below 59% FPL, pregnant women, and categorically needy groups), and childless non-disabled adults are generally ineligible regardless of income, which leaves a coverage gap.
How big is the Wyoming coverage gap?
Wyoming is the smallest state by population, so the absolute size of the coverage gap is small in head count, but a meaningful share of low-income adults below 100% FPL are not eligible for Medicaid and also cannot receive federal premium tax credits. Options include community health centers, hospital charity care, and Indian Health Service (IHS) for eligible tribal members.
More Wyoming pricing
- Statewide Wyoming pricing and metal tiers
- Full Albany County pricing
- Cheyenne pricingcheapest Bronze $740/mo
- Casper pricingcheapest Bronze $773/mo
- Gillette pricingcheapest Bronze $795/mo
Sources
- HealthCare.gov for enrollment, OEP dates, and federal APTC / CSR application.
- Wyoming Department of Insurance for state regulatory oversight of individual-market filings and rate review.
- Wyoming Medicaid: Department of Health for state Medicaid eligibility categories under non-expansion rules.
- KFF: Wyoming State Health Facts for Medicaid non-expansion status, coverage gap estimates, and enrollment counts.
Plan year 2026, last refreshed 2026-04-19T08:08:55.462Z. Full pricing pipeline + regulatory references at methodology; ACA terminology in the glossary.