Before subsidies, the benchmark silver plan for a 40-year-old in Goshen County cost about $1,104 a month for 2026, and the Wyoming average for 2027 is $1,190 a month. Premium tax credits bring that down for many households, depending on income and family size. 2 insurers offered marketplace plans in Goshen County for 2026.
If you want someone to shop the Wyoming market for you, a broker is the usual route. The 8 offices below sit closest to Torrington and list themselves as brokers or independent agencies, which typically means access to more than one insurer.
Health Insurance Brokers near Torrington
Licensed agents can compare plans available in Goshen County, check your doctors and estimate your premium tax credit. Free to you.
Call 866-645-8540Do brokers cost more?
No. Health insurers pay brokers a commission that's already part of the premium. You pay the same price for a plan whether you buy it yourself or through a broker.
What a broker can compare for you
Premiums, deductibles and out-of-pocket maximums; which doctors and hospitals are in each network; whether your prescriptions are covered; and whether you qualify for a premium tax credit.
Broker or agent: what's the difference?
A captive agent sells one company's plans. An independent agent or broker is appointed with several insurers and can compare them. In everyday use the words overlap, so ask any office which carriers it can quote in Wyoming.
Carriers a Torrington broker can quote
For 2027, marketplace plans in Wyoming come from 2 insurers: Blue Cross Blue Shield of Wyoming and UnitedHealthcare. Not every insurer sells in every county. An independent broker appointed with several of them can compare prices and networks side by side.
Before you call an agent
- Write down the enrollment deadline and confirm your first premium payment.
- Have a realistic estimate of next year's household income; subsidies are based on it.
- Ask each agent which carriers they can quote in your county.
- Check that the agent's license is active with the state regulator.
Checking an agent's license in Wyoming
- The Wyoming Department of Insurance links consumers to a Look Up an Agent/Agency tool, run through the Sircon platform. It lets you check that an agent or agency is licensed in Wyoming. Source
- The Wyoming Department of Insurance licenses insurance producers and regulates insurers in the state. Consumers can file a complaint through the department's online consumer portal. Source
Frequently asked questions
How do I find a good health insurance broker in Torrington?
Look for a broker licensed in Wyoming who can quote several carriers, is certified with the HealthCare.gov, and has reviews from local clients. You can verify any license with the Wyoming insurance regulator.
When can I buy a plan?
During open enrollment (Nov 1 to January 15 on the HealthCare.gov), or within 60 days of a qualifying life event such as losing other coverage, moving, marriage or a new baby.
Can a broker help me get a subsidy?
Yes. Brokers certified with the marketplace can estimate your premium tax credit and enroll you in a subsidized plan.
Brokers in nearby cities
- Scottsbluff, NE 29 miles
- Gering, NE 30 miles
- Alliance, NE 66 miles
- Ranchettes, WY 66 miles
- Cheyenne, WY 72 miles
- Douglas, WY 79 miles
- Chadron, NE 79 miles
- Sidney, NE 89 miles
- Laramie, WY 91 miles
- Wellington, CO 104 miles