Individuals & Families
Explore our options to find the coverage that fits your needs.
Ready to enroll? Click below to get started.
OPEN ENROLLMENT IS NOW!
Open Enrollment begins November 1. Enroll or make plan changes by December 15, for coverage to take effect January 1, 2027.
The final day to enroll for 2027 coverage is January 15, with coverage starting February 1, 2027.
HERE TO MEET YOUR NEEDS
GET STARTED
Explore your options and get started on a quote today.
Start your quote →
COMPARE PLAN OPTIONS
CORE 
MOST POPULAR
Good 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).
CORE MOST POPULAR
Gold
- Deductible: $2,000 individual / $4,000 family
- Coinsurance: 80% BCBSWY / 20% participant
- Max Out of Pocket: $7,000 individual / $14,000 family
- Provider Visits: Subject to deductible and coinsurance
Key Features
- HSA Options: Eligible for Health Savings Accounts
- Pediatric Dental: Included with no separate deductible
- Pediatric Vision: Included at no additional cost
- Low-Cost Telehealth Visits*: $10 copay per visit
- Prescription Coverage: Subject to deductible and coinsurance
Bronze
- Deductible: $6,800 individual / $13,600 family
- Coinsurance: 50% BCBSWY / 50% participant
- Max Out of Pocket: $8,500 individual / $17,000 family
- Provider Visits: Subject to deductible and coinsurance
Key Features
- HSA Options: Eligible for Health Savings Accounts
- Pediatric Vision: Included at no additional cost
- Pediatric Dental: Included with no separate deductible
- Low-Cost Telehealth Visits*: $10 copay per visit
- Prescription Coverage: Subject to deductible and coinsurance
*Deductible does not apply to these services
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.
STANDARD
Gold
- Deductible: $2,500 individual / $5,000 family
- Coinsurance: 75% BCBSWY / 25% participant
- Max Out of Pocket: $8,600 individual / $17,200 family
- Visit Copays*: $30 Primary Care/$45 Urgent Care/$60 Specialist
Key Features
- Additional Copays*: $30 Physical/Occupational/Speech Therapy
- Pediatric Vision: included at no additional cost
- Generic Drug Copays*: Starting as low as $15
Silver
- Deductible: $6,400 individual / $12,800 family
- Coinsurance: 60% BCBSWY / 40% participant
- Max Out of Pocket: $10,300 individual / $20,600 family
- Visit Copays*: $40 Primary Care/$60 Urgent Care/$80 Specialist
Key Features
- Additional Copays*: $40 Physical/Occupational/Speech Therapy
- Pediatric Vision: included at no additional cost
- Generic Drug Copays: Starting as low as $20
*Deductible does not apply to these services
HEALTHPLUS INCLUDES ADULT & PEDIATRIC DENTAL
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.
HEALTHPLUS INCLUDES ADULT & PEDIATRIC DENTAL
Gold
- Deductible: $1,500 individual / $3,000 family
- Coinsurance: 75% BCBSWY / 25% participant
- Max Out of Pocket: $10,600 individual / $21,200 family
- Visit Copays*: $35 Primary Care
Key Features
- Pediatric & Adult Dental: Included with no separate deductible
- Pediatric Vision: Included at no additional cost
- Low-Cost Telehealth Visits*: $10 copay per visit
- Value Based Drugs*: Prescription copays as low as $4
Silver
- Deductible: $5,500 individual / $11,000 family
- Coinsurance: 75% BCBSWY / 25% participant
- Max Out of Pocket: $9,400 individual / $18,000 family
- Visit Copays*: $50 Primary Care
Key Features
- Pediatric & Adult Dental: Included with no separate deductible
- Pediatric Vision: Included at no additional cost
- Low-Cost Telehealth Visits*: $10 copay per visit
- Value Based Drugs*: Prescription copays as low as $4
Bronze
- Deductible: $1,800 individual / $3,600 family
- Coinsurance: 50% BCBSWY / 50% participant
- Max Out of Pocket: $12,000 individual / $24,000 family
- Provider Visits: Subject to deductible and coinsurance
Key Features
- HSA Options: Eligible for Health Savings Accounts
- Pediatric & Adult Dental: Included with no separate deductible
- Pediatric Vision: Included at no additional cost
- Low-Cost Telehealth Visits*: $10 copay per visit
- Value Based Drugs*: Prescription copays as low as $10
*Deductible does not apply to these services
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%.
BASIC
Bronze
- Deductible: $11,700 individual / $23,400 family
- Coinsurance: 100% BCBSWY / 0% participant
- Max Out of Pocket: $11,700 individual / $23,400 family
- Provider Visits: Subject to deductible and coinsurance
Key Features
- HSA Options: Eligible for Health Savings Accounts
- Pediatric Dental: Included with no separate deductible
- Pediatric Vision: Included at no additional cost
- Low-Cost Telehealth Visits*: $10 copay per visit
- Prescription Coverage: Subject to deductible and coinsurance
*Deductible does not apply to these services
EXPANDED STANDARD
Good option if… You want lower Out-of-Pocket Maximum costs with predicable copays for going to the doctor.
EXPANDED STANDARD
Bronze
- Deductible: $7,500 individual / $15,000 family
- Coinsurance: 50% BCBSWY / 50% participant
- Max Out of Pocket: $12,000 individual / $24,000 family
- Visit Copays*: $50 Primary Care/$75 Urgent Care/$100 Specialist
Key Features
- HSA Options: Eligible for Health Savings Accounts
- Additional Copays*: $50 Physical/Occupational/Speech Therapies
- Pediatric Vision: Included at no additional cost
- Generic Drug Copays*: Prescription copays as low as $25
*Deductible does not apply to these services
CLASSIC
Good option if… You get frequent health care services or prescriptions and want your plan to begin paying sooner.
CLASSIC
Silver
- Deductible: $3,600 individual / $7,200 family
- Coinsurance: 60% BCBSWY / 40% participant
- Max Out of Pocket: $10,800 individual / $21,600 family
- Visit Copays*: $50 Primary Care
Key Features
- Pediatric Dental: Included with no separate deductible
- Pediatric Vision: Included at no additional cost
- Low-Cost Telehealth Visits*: $10 copay per visit
- Value Based Drug*: Prescriptions copays as low as $4
*Deductible does not apply to these services
WHY CHOOSE BLUE?
QUALITY CARE
Access our comprehensive network of providers, hospitals, and pharmacies.
Explore our network →
PREVENTIVE SCREENINGS
Eligible screenings 100% covered to support your overall health and well-being
Learn more →
PRESCRIPTION DRUGS
Explore our network and drug lists, find a pharmacy, compare costs, and more. Visit our pharmacy page →
24/7 TELEHEALTH
Plans feature 24/7 virtual urgent care and mental health support through MD Live. Learn more →
NUTRITION SUPPORT
Plans include programs for sustainable weight loss, prediabetes, Type 2 Diabetes, and more*. Explore nutrition →
WELLNESS REWARDS
Complete your annual health visit and assessment to earn up to $150** in rewards.
Explore wellness rewards →
PEDIATRIC DENTAL & VISION
Many plans include pediatric dental coverage; all plans include pediatric vision coverage at no additional cost.
MATERNITY SUPPORT
Plans provide essential care for mom and baby before, during, and after pregnancy. Explore maternity support →
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 upon completion of their Annual Wellness Exam and Health Risk Assessment.
ENROLLMENT FAQ
When is Open Enrollment?
When is Open Enrollment?
Open Enrollment begins November 1, and ends January 15, 2027. Enrollment applications received by December 15, will have coverage effective January 1, 2027. Enrollment applications received after December 15, will have coverage effective February 1, 2027. After the Open Enrollment period ends you will be unable to purchase health insurance until next year, unless you experience a qualifying event for a Special Enrollment period.
What happens if I miss Open Enrollment?
What happens if I miss Open Enrollment?
If you miss Open Enrollment, you may need to wait until next year’s enrollment period to begin for coverage, 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.
What should you consider when choosing a plan?
What should you consider when choosing a plan?
Think about your total health care costs–not just monthly premiums, but also out-of-pocket costs. Also consider any financial assistance you may qualify for (learn more about qualifying for financial assistance → )
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 is the Health Insurance Marketplace?
What is the Health Insurance Marketplace?
The Health Insurance Marketplace, created under the Affordable Care Act (ACA), helps individuals and households explore and enroll in health coverage when employer-sponsored insurance isn’t available. You can compare private health plans based on coverage, costs, and benefits, then choose the option that best fits your needs. Depending on your income and household size, you may also qualify for premium tax credits and other financial assistance to help lower your monthly costs. Learn more about the Health Insurance Marketplace here →
What’s the difference between On-Marketplace vs. Off-Marketplace plans?
What’s the difference between On-Marketplace vs. Off-Marketplace plans?
On‑Marketplace plans are compliant with the Affordable Care Act (ACA) and listed on the Health Insurance Marketplace – they are the only plans eligible for advanced premium tax credits and cost‑sharing reductions. You must apply on the Health Insurance Marketplace to check eligibility for cost assistance.
Off‑Marketplace plans are also ACA‑compliant and are purchased directly from insurers or brokers and do not qualify for cost assistance through the federal government.
What are metal levels?
What are metal levels?
Metal levels are categories used by the Affordable Care Act to describe how much of your health care costs an insurance plan covers on average, and how much you pay. All qualified ACA health plans must fall under one of four “metal” level tiers: Bronze, Silver, Gold, and Platinum. The various metal levels offer the same coverage; they only differ in how you and the insurer share the overall cost.
It’s important to note that only Silver-tiered plans qualify for Cost-Share Reductions, but all metal tiers can qualify for Advanced Premium Tax Credits.
What do you need to enroll online?
What do you need to enroll online?
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.
Can my dependents be on my health insurance plan?
Can my dependents be on my health insurance plan?
Dependent children are eligible to be on your plan up to the end of the year in which they turn 26 years old. Additionally, children can be on their own plan beginning at birth as long as they meet eligibility criteria.
Can I go without insurance since I cannot afford it?
Can I go without insurance since I cannot afford it?
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 →
Can I get assistance with paying for health insurance?
Can I get assistance with paying for health insurance?
Assistance for health insurance is available for qualifying individuals and families.
The Federal Government offers two programs to help qualifying individuals afford their insurance premiums and out-of-pocket costs: Advanced Premium Tax Credits, which assist with premiums, and Cost-Sharing Reductions, which reduce out-of-pocket expenses like copays and deductibles. Qualification for financial assistance is determined by the Health Insurance Marketplace at the time of your enrollment.
For more information on Cost-Share Reductions and Advanced Premium Tax Credits, please click here.
What are Cost-Sharing Reductions and Advanced Premium Tax Credits?
What are Cost-Sharing Reductions and Advanced Premium Tax Credits?
Advanced Premium Tax Credits (APTCs) and Cost-Sharing Reductions (CSRs) are two types of financial assistance for health insurance offered by the federal government. Both are only applicable to qualifying Health Insurance Marketplace plans.
Advanced Premium Tax Credits assist with premiums — the fixed amount you pay monthly — to keep your health insurance coverage active, regardless of whether you use medical services. APTCs may be used on any metal level plan.
Cost-Sharing Reductions reduce out-of-pocket expenses like deductibles, copayments, coinsurance, and out‑of‑pocket maximums. CSRs may only be used on Silver plans.
Qualification for financial assistance is determined by the Health Insurance Marketplace at the time of your enrollment.
For more information on Cost-Share Reductions and Advanced Premium Tax Credits, please click here.
What are Health Savings Accounts (HSAs)?
What are Health Savings Accounts (HSAs)?
A Health Savings Account, or HSA, is a personal savings account designed to help individuals and families with high-deductible health plans (HDHPs) or Bronze level plans to pay for out-of-pocket medical expenses before their deductible is met. Contributions to an HSA are tax-deductible and when allocated pre-tax, can lower taxable income. Funds grow tax free and withdrawals for qualified medical expenses are tax-free. Qualified expenses include copays, prescriptions, dental care, vision care, bandages, and other medical costs. All Bronze-tiered plans qualify for HSAs.
Qualifying members receive a $25 match in their Health Equity HSA when they register an account.*
What are Qualifying Life Events (QLEs)?
What are Qualifying Life Events (QLEs)?
Qualifying Life Events are significant life changes that can qualify you for a Special Enrollment Period when they occur. Examples of a QLE include marriage, the birth of a child, and loss of coverage. For more details on Qualifying Life Events, click here.
What is a Special Enrollment Period (SEP)?
What is a Special Enrollment Period (SEP)?
A Special Enrollment Period is triggered by a major life event, such as losing other coverage, getting married, or welcoming a new child. Learn about Special Enrollment and Qualifying Life Events here.
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. MST
OR
Contact your preferred broker if you are working with one.
Please allow up to 3 business days for a response.
SEND US A MESSAGE ➜
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 health care premium and out-of-pocket costs.
On the Go
Travel medical insurance provides short term and long term coverage with global reach.
Special Enrollment
If you experienced a qualifying event, enroll in a 2026 BCBSWY Plan.