Individuals & Families
Explore our options to find the coverage that fits your needs or shop now to get started.
OPEN ENROLLMENT IS NOW!
The final day to enroll for 2026 coverage is January 15, with coverage starting February 1, 2026.
Here to meet your needs
LOCAL SERVICE
8 locations in Wyoming to help you manage your health care →
CHANGING IN 2026
Learn more about what upcoming 2026 ACA Plan changes mean to you. →
GET STARTED
Access marketplace application login
(or create an account) →
NETWORK
Easy access to trusted providers close to you and nationwide →
EXPLORE PLAN OPTIONS
There’s a lot to consider when deciding which health plan is best for your needs. Compare plans and learn what information you need to enroll.
CORE
MOST POPULARGood option if…You consider yourself healthy and typically get health care for preventive services, minor illness or injury, and can set money aside in a tax-free health savings account (HSA).
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STANDARD
Good option if… You want to pay a predictable copay for going to the doctor, including visits to specialists, mental health and substance use, and therapies such as physical, speech, and occupational.
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HEALTHPLUS
Good option if… You have a chronic health condition or medical issue that requires more frequent visits to your doctor or nurse, long-term maintenance prescription drugs, or frequent lab tests.
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BASIC
Good option if... You want a straightforward plan to cover large medical costs in case of a major injury or illness. High deductible plan that once met pays 100%.
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EXPANDED STANDARD
Good option if… You want lower Out-of-Pocket Maximum costs with predicable copays for going to the doctor.
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CLASSIC
Good option if… You get frequent health care services or prescriptions and want your plan to begin paying sooner.
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Your Plan includes
Quality Care
Complete medical care including primary, specialist, hospitalization and emergency.
Explore our care network →
Preventive Screenings
100% covered to support your well-being.
Learn more →
Prescription Drugs
See the drug list, compare costs, and find a pharmacy.
View Pharmacy Guide →
24/7 Telehealth
Access virtual urgent care anytime, with convenient telehealth.
Explore telehealth →
Nutrition Program
Health coaching for diabetes and sustainable weight loss*.
Learn more about nutrition programing →
Wellness Reward
Complete your wellness exam and earn $100 gift card reward.**
Explore our wellness programs →
Pediatric Dental
$0 cost for kids preventive dental services.
Maternity Care
Newborn care before and after baby is born.
Explore our maternity program →
Ask us about additional covered services we provide for our members. A complete list, including any limitations, can be found in the Benefit Booklet. Some services are not covered by our plans like: acupuncture, alternative medicine, artificial conception, cosmetic surgery, cardiac rehabilitation, diagnostic admissions, educational programs, experimental or investigative procedures, hair loss, hypnosis, adult routine hearing exams, and temporomandibular joint dysfunction (TMJ). A complete list of services that have limits or are excluded from coverage can be found in the Benefit Booklet. Please ask us for a copy.
The Silver Classic and Silver HealthPlus plans are available with or without kid’s dental coverage through both BCBSWY and the Health Insurance Marketplace. All Standard Plans do not include kid’s dental coverage.
*No cost benefit to participate in the Virta Health program. Members must meet eligibility requirements.
**Eligible for current BlueSelect contract holders and their spouse.
Enrollment FAQ
CHOOSING A PLAN
Do you qualify for financial assistance to help pay for your health plan?
If so, how much assistance will you receive? Think about your total health care costs–not just monthly premiums, but also out-of-pocket costs. This will help you determine which plan’s cost structure works best for you. Download our Insurance 101 Guide to understand key financial terms and how insurance works.
WHAT YOU'LL NEED BEFORE YOU ENROLL ONLINE
Be prepared...
Be prepared… Before starting the enrollment process, it’s a good idea to gather documents like your latest W-2 tax form, pay stubs, and immigration documents if applicable. You will also need information for everyone in your household including those who’ll be on your health plan such as full names, birthdates, mailing address, and social security numbers. Download our easy-to-use Open Enrollment Checklist here.
CHOOSING YOUR METALLIC LEVEL
Comparing plans…
All BlueSelect Health Insurance plans are categorized as Bronze, Silver, or Gold. Generally, Gold pays more of a member’s total health care costs, while Silver and Bronze pay less.
Decide which metallic level is best for you and your family…
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*Subsidies are only available for plans purchased through the federal Health Insurance Marketplace. Eligibility for and actual amount of any subsidy is determined by the federal Health Insurance Marketplace. Visit www.healthcare.gov for more information.
Am I eligible for an ACA Health Insurance Marketplace® plan?
You may qualify if you:
You may qualify if you:
- Live in the U.S. (in one of the 50 states or Washington, D.C.)
- Are a U.S. citizen, U.S. national, or lawfully present immigrant
Marketplace coverage is not available for:
- People who already have health insurance from an employer, Medicaid, or Medicare
- Individuals who are currently incarcerated
Why does Open Enrollment matter?
Open Enrollment is your annual opportunity to take charge of your health coverage for the upcoming year. Don’t miss this limited window—if you do, you may have to wait until the next Open Enrollment to make changes. During this time, you can:
- Enroll in a new health insurance plan
- Change to a plan that better fits your needs
- Update your details to make sure you receive the right coverage and savings
- Verify eligibility: Not updating your information can result in added costs – if you’re in a $0 premium plan and don’t update your information during OEP, a $5 monthly fee may apply.
Why is my premium going up?
Insurance premiums can change every year...
Several factors impact the changes in next year’s health insurance premiums. Learn more about these factors here.
When will I know my 2026 premium rates?
Mark your calendars...
Starting Nov. 1, you can log in to your account at here or Healthcare.gov to update your application and view your 2026 health insurance rates.
Do I need to update my application information every year?
Yes, and...
You can verify your application here or at Healthcare.gov every year to ensure your information, including income, address, and family size, are up to date. Not updating your information can result in added costs – if you’re in a $0 premium plan and don’t update your information during OEP, a $5 monthly fee may apply.
Can I go without insurance since I can’t afford it?
Going without insurance can create serious risks...
Going without insurance can create serious risks to your health, finances, and overall well-being. Learn about the risks of forgoing health insurance and the benefits of maintaining coverage here.
What happens if I miss Open Enrollment?
You may need to wait until the next Open Enrollment, unless you qualify for a Special Enrollment Period...
An SEP is triggered by a major life event, such as losing other coverage, getting married, or welcoming a new child. Learn more about Special Enrollment and Qualifying Life Events here.
Can I get assistance paying for coverage?
You may qualify...
There are assistance programs in place to help qualifying individuals afford their insurance premiums and out-of-pocket costs. The federal government provides two main types of financial assistance for eligible individuals:
- Advanced Premium Tax Credit (APTC): Helps reduce the cost of your monthly insurance premiums.
- Cost-Sharing Reductions (CSRs): Lowers out-of-pocket expenses such as deductibles, copayments, and coinsurance (only available with Silver-level plans).
Learn more here.
What is a Cost-Sharing Reduction (CSR)?
What plans do CSRs apply to?
Cost-sharing reductions (CSRs) are special discounts under the Affordable Care Act that help lower the amount you pay when you get medical care. If you qualify and choose a Silver plan, you’ll pay less for things like deductibles, copays, and coinsurance, reducing your out-of-pocket costs. Learn more here.
I’m a former Mountain Health Co-Op Member.
What happens now?
Mountain Health Co-Op members have been automatically enrolled into a similar metal-level BCBSWY plan. You will be automatically enrolled, but you can still change plans during the Open Enrollment starting Nov. 1, 2025. Contact us for more information at 800.851.2227.
Get in touch
Have questions? Our local experts can help you find the right BlueSelect plan for you. Find an agent near you or give us a call at 800-851-2227.
We’re available Monday – Friday from 8 a.m. – 5 p.m. or contact your preferred broker if you are working with one. Please allow up to 3 business days.
BlueSelect is a Qualified Health Plan (QHP), which meets the requirements of the Affordable Care Act. Blue Cross Blue Shield of Wyoming is a QHP issuer in the Health Insurance Marketplace.
Cost Assistance
Based on your income, you may qualify for savings on your premium and your out-of-pocket costs for health care.
On the Go
Travel medical insurance provides short term and long term coverage you can take with you around the world.
Special Enrollment
If you experienced a qualifying event, enroll in a 2025 BCBSWY Plan.