Health insurance plans in Laramie County, Wyoming (2027)

• 2carriers selling 2027 marketplace plans in Laramie County
• 29plans on the Laramie shelf, from 9 bronze to 9 gold
• $1,121benchmark silver for a 40 year old in Laramie, full price per month

Who sells marketplace plans in Laramie County

Laramie County and Natrona County, the two Wyoming counties I track, have the same number of carriers, two each. Across all 79 counties and parishes I track, 69 have more carriers than Laramie. UnitedHealthcare alone accounts for 15 of the 29 plans in Laramie, 52 percent of the shelf, so a lot of what you see when you shop is one company's lineup in different metal levels.

Laramie plan counts from the CMS 2027 landscape file (county FIPS 56021, Rating Area 2). Bronze includes expanded bronze, and companies CMS lists under more than one legal issuer are grouped with the legal names underneath.

What it costs in Laramie County before any subsidy

These are the full monthly prices, before any premium tax credit, for the cheapest Laramie plan at each metal level. I show the sticker price because it is what your subsidy is subtracted from, and most people who enroll in Laramie pay less, often a lot less.

Benchmark silver is the second lowest of the 11 silver premiums listed for Laramie. The last column is two adults aged 40 plus two children.

What these numbers mean if you live in Laramie County

The gold row is the surprise in Laramie County. The cheapest gold plan for a 40 year old, $1,013 a month, is $108 cheaper than the cheapest silver plan at $1,121. That happens because Wyoming carriers load the cost of the extra silver discounts into silver premiums. If your income is too high for those discounts, silver is the worst value on the Laramie shelf, and a gold deductible here tops out at $2,500.

In Laramie County the benchmark is $297 above the cheapest bronze at age 40, and only eight of the other 78 counties and parishes I track have a wider one. That gap decides whether bronze can be free, because your subsidy is the $1,121 benchmark minus what the government expects you to pay from your income. A 40 year old in Laramie whose expected share is $297 a month or less would pay nothing for the cheapest bronze. At 60 the Laramie gap grows to $631 and at 21 it shrinks to $232, which is why older enrollees are the ones most likely to find a $0 plan.

Natrona County, around Casper, is the other Wyoming county I track. Compared with Natrona County, the Laramie benchmark is $50 lower at 40 and the cheapest bronze is $37 lower. The same two carriers sell in both, so moving between Laramie and Natrona changes the price you pay but not the companies you can pick from.

Laramie plans by metal level, network and deductible

By network type the 29 Laramie plans break down as 15 EPO and 14 PPO. Only 14 are PPOs, and every one of them comes from Blue Cross Blue Shield of Wyoming. If seeing specialists without a referral matters to you, that narrows the Laramie shelf to one company. 6 plans in Laramie have a $0 medical deductible (2 expanded bronze, 2 silver and 2 gold). The 2 bronze ones among them still have out of pocket maximums of $11,800, so a $0 deductible does not mean a small bill.

2027 plans for Laramie County

These are the 2027 plans and prices for Laramie County, from the CMS plan file released at the end of October 2026. Open enrollment for 2027 coverage in Wyoming runs from November 1, 2026 to January 15, 2027, and December 15 is the last day to pick a plan that starts January 1. If you already have a Laramie plan, compare before you let it renew, because your carrier and your benchmark may both have changed.

Questions about Laramie County coverage

More for Laramie County residents

• Health insurance brokers in Wyoming, how to choose one and what it costs
• Every 2027 carrier change in Wyoming
• How Laramie compares with the other 78 counties and parishes I track
• Estimate a Laramie subsidy