ACA plans available
23
Plan year 2026
2026 data Public-data reference. official source
Sheridan, Wyoming Health Insurance
Open-data reference.
23 ACA plans from 2 issuers - Plan year 2026
Sheridan, Wyoming offers 23 ACA marketplace plans from 2 issuers for plan year 2026. Bronze plans start at $652/mo and Silver plans start at $904/mo (age 27, before subsidies). Use the tables below to compare premiums, deductibles, and issuers across all metal tiers.
$919
Avg Silver Premium/mo
$905
Benchmark Premium/mo
+32.2%
Year-over-Year Change
$4,548
Avg Deductible
What the Numbers Say About Sheridan
Sheridan, Wyoming has 23 ACA marketplace plans offered by 2 issuers for plan year 2026. The average Silver-tier premium comes in at $919/mo for a 27-year-old non-tobacco user, with the lowest Silver at $904 and the highest at $948. Bronze plans start at $652/mo, useful for healthy enrollees who want catastrophic protection with the lowest monthly outlay.
The benchmark (second-lowest Silver) premium is $905/mo, the figure used to calculate your Advance Premium Tax Credit (the federal subsidy). Enrollees whose expected income-based contribution falls below this amount receive a subsidy for the difference. Across all plans, the average annual deductible is $4,548 and the average out-of-pocket maximum is $9,250 - numbers that matter more than the sticker premium once you actually use care. Year-over-year, average premiums in Sheridan shifted by +32.2%, a signal of how local issuer pricing and risk-pool dynamics are trending.
Issuer count is one of the strongest predictors of affordability: with 2 issuers active in Sheridan, consumers have some competitive choice, though narrower than the most competitive counties. Network types split fairly evenly here between EPO and PPO, so comparing referral rules and out-of-network coverage across those two matters as much as comparing metal tiers. This page is informational only and is not insurance, medical, or tax advice, verify your eligibility, network coverage, and final pricing at HealthCare.gov before enrolling. Source: CMS Marketplace PUF, plan year 2026.
Premiums by Metal Level
Bronze
1 plan$652/mo avg
$652 - $652
Silver
9 plans$919/mo avg
$904 - $948
Gold
7 plans$871/mo avg
$831 - $915
Benchmark Premium & Subsidies
The benchmark premium (2nd-lowest Silver plan) in Sheridan is $905/mo for a 27-year-old. This is the amount used to calculate your premium tax credit. If your expected contribution (based on income) is less than the benchmark, you receive a subsidy for the difference. The higher the benchmark, the larger the potential subsidy.
Issuers in market
2
Some competition
Benchmark Silver
$905 /mo
Sets your subsidy ceiling
Avg deductible
$4,548
Across all metal tiers
Sheridan ACA plans by premium and deductible
Each marker is the Sheridan average for one metal tier, monthly premium (age 27) plotted against the average annual deductible, both computed directly from this county's plans. The classic ACA tradeoff is visible: lower-premium Bronze tiers carry the highest deductibles, while Gold and Platinum invert it.
Source: CMS Marketplace Public Use Files for Sheridan, plan year 2026. Each point is the county average for one metal tier (premium age 27 vs average annual deductible).
Issuers in Sheridan
| Issuer | Plans | Avg Premium (Age 27) |
|---|---|---|
| UnitedHealthcare | 12 | $851/mo |
| Blue Cross Blue Shield of Wyoming | 11 | $833/mo |
All Plans in Sheridan
| Plan Name | Metal | Type | Premium (27) | Premium (40) | Deductible | OOP Max |
|---|---|---|---|---|---|---|
| BlueSelect Bronze Basic Blue Cross Blue Shield of Wyoming | Bronze | PPO | $651.81 | $794.86 | $10,600 | $10,600 |
| BlueSelect Bronze Core Blue Cross Blue Shield of Wyoming | Expanded Bronze | PPO | $680.93 | $830.37 | $6,800 | $8,500 |
| UHC Bronze Standard (No Referrals) UnitedHealthcare | Expanded Bronze | EPO | $711.73 | $867.93 | $7,500 | $10,000 |
| UHC Bronze Value HSA (No Referrals) UnitedHealthcare | Expanded Bronze | EPO | $717.53 | $875.00 | $7,000 | $8,300 |
| UHC Bronze Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, No Referrals) UnitedHealthcare | Expanded Bronze | EPO | $733.21 | $894.12 | $0 | $10,600 |
| UHC Bronze Copay Focus+ $0 Indiv Med Ded ($0 Virtual Urgent Care, Dental + Vision, No Referrals) UnitedHealthcare | Expanded Bronze | EPO | $747.73 | $911.83 | $0 | $10,600 |
| BlueSelect Expanded Bronze Standard without Kid's Dental Blue Cross Blue Shield of Wyoming | Expanded Bronze | PPO | $758.76 | $925.28 | $7,500 | $10,000 |
| BlueSelect Silver Standard without Kid's Dental Blue Cross Blue Shield of Wyoming | Silver | PPO | $904.43 | $1,102.93 | $6,000 | $8,900 |
| BlueSelect Silver HealthPlus without Kid's Dental Blue Cross Blue Shield of Wyoming | Silver | PPO | $905.34 | $1,104.03 | $5,500 | $9,400 |
| BlueSelect Silver Classic without Kid's Dental Blue Cross Blue Shield of Wyoming | Silver | PPO | $906.88 | $1,105.91 | $3,600 | $10,400 |
| BlueSelect Silver HealthPlus Blue Cross Blue Shield of Wyoming | Silver | PPO | $908.38 | $1,107.74 | $5,500 | $9,400 |
| BlueSelect Silver Classic Blue Cross Blue Shield of Wyoming | Silver | PPO | $909.93 | $1,109.63 | $3,600 | $10,400 |
| UHC Silver Standard (No Referrals) UnitedHealthcare | Silver | EPO | $925.34 | $1,128.42 | $6,000 | $8,900 |
| UHC Silver Value ($0 Virtual Urgent Care, No Referrals) UnitedHealthcare | Silver | EPO | $932.69 | $1,137.38 | $5,400 | $9,850 |
| UHC Silver Advantage ($0 Virtual Urgent Care, $5 Tier 2 Rx, No Referrals) UnitedHealthcare | Silver | EPO | $933.50 | $1,138.38 | $4,000 | $10,150 |
| UHC Silver Advantage+ ($0 Virtual Urgent Care, $5 Tier 2 Rx, Dental + Vision, No Referrals) UnitedHealthcare | Silver | EPO | $948.02 | $1,156.08 | $4,000 | $10,150 |
| BlueSelect Gold Core Blue Cross Blue Shield of Wyoming | Gold | PPO | $830.65 | $1,012.95 | $2,000 | $7,000 |
| BlueSelect Gold HealthPlus Blue Cross Blue Shield of Wyoming | Gold | PPO | $845.34 | $1,030.86 | $1,500 | $10,600 |
| BlueSelect Gold Standard without Kid's Dental Blue Cross Blue Shield of Wyoming | Gold | PPO | $860.72 | $1,049.62 | $2,000 | $8,200 |
| UHC Gold Value ($0 Virtual Urgent Care, $5 Tier 2 Rx, No Referrals) UnitedHealthcare | Gold | EPO | $870.48 | $1,061.52 | $2,000 | $8,600 |
| UHC Gold Standard (No Referrals) UnitedHealthcare | Gold | EPO | $871.70 | $1,063.01 | $2,000 | $8,200 |
| UHC Gold Advantage ($0 Virtual Urgent Care, $1 Tier 2 Rx, No Referrals) UnitedHealthcare | Gold | EPO | $900.03 | $1,097.56 | $1,500 | $7,000 |
| UHC Gold Advantage+ ($0 Virtual Urgent Care, $1 Tier 2 Rx, Dental + Vision, No Referrals) UnitedHealthcare | Gold | EPO | $914.55 | $1,115.26 | $1,500 | $7,000 |
Silver Premium Trend (2022-2026)
| Year | Avg Premium | Min | Max | Plans | Issuers |
|---|---|---|---|---|---|
| 2022 | $636/mo | $614 | $648 | 8 | 2 |
| 2023 | $733/mo | $657 | $760 | 9 | 2 |
| 2024 | $689/mo | $680 | $708 | 9 | 2 |
| 2025 | $735/mo | $713 | $762 | 11 | 3 |
| 2026 | $919/mo | $904 | $948 | 9 | 2 |
Frequently Asked Questions
How many ACA plans are available in Sheridan, WY?
There are 23 ACA marketplace plans available in Sheridan from 2 insurance issuers for plan year 2026.
What is the cheapest health insurance plan in Sheridan?
The lowest-premium plan in Sheridan starts at $652/mo (Bronze tier, age 27). Silver plans start at $904/mo. Actual premiums vary by age and may be reduced by premium tax credits.
What is the benchmark premium for Sheridan?
The benchmark (second-lowest Silver) premium in Sheridan is $905/mo for a 27-year-old. This amount determines how much premium tax credit subsidy you may be eligible for.
How have premiums changed in Sheridan?
Average premiums in Sheridan changed by +32.2% year-over-year. Premium trends are tracked from 2022 to 2026 across all metal levels.
What is the average deductible and out-of-pocket maximum in Sheridan?
The average annual deductible across all plans in Sheridan is $4,548, and the average out-of-pocket maximum is $9,250. Bronze plans generally have higher deductibles but lower premiums, while Gold and Platinum plans have lower deductibles but higher monthly costs.
Which insurance companies offer plans in Sheridan?
There are 2 insurance issuers offering ACA marketplace plans in Sheridan, including UnitedHealthcare, Blue Cross Blue Shield of Wyoming. Competition among issuers affects plan variety and pricing. More issuers generally mean more choices and potentially lower premiums.
Disclaimer
This page is for informational purposes only and does not constitute insurance or financial advice. Premiums shown are for a 27-year-old non-tobacco user unless otherwise noted. Your actual premium depends on age, location, tobacco use, and subsidy eligibility. Visit HealthCare.gov for official enrollment. Source: CMS Marketplace PUF, PY2026.
Read our methodology - how this data is sourced, computed, and verified.
Counties With a Similar Benchmark Premium
The closest counties nationwide to Sheridan, WY's $905/mo benchmark premium.
Data sources
Data sourced from the CMS Health Insurance Marketplace Public Use Files. See our methodology for details. Retrieved and formatted by PlainHealthPlan Editorial
