Wyoming Health Insurance Guide

Health Insurance Overview in Wyoming

Wyoming has not expanded Medicaid and has the fewest insurer options on its marketplace of any state — in recent years, only one insurer (Blue Cross Blue Shield of Wyoming) has offered individual market plans. Wyoming also has some of the highest marketplace premiums in the nation given this lack of competition. Wyoming uses the federal HealthCare.gov marketplace.

Average Health Insurance Costs in Wyoming

Marketplace Enrollment in Wyoming

Wyoming residents can enroll in individual and family health insurance plans through HealthCare.gov (Federal). Open enrollment runs November 1 – January 15 (federal marketplace).

Average Premiums by City in Wyoming

Medicaid in Wyoming

Wyoming has not expanded Medicaid. Traditional Medicaid covers very limited categories. Adults without children generally do not qualify regardless of income, leaving many low-income Wyoming residents without coverage options.

Children's Health Insurance (CHIP) in Wyoming

KidCare CHIP covers children under 19 in families with incomes up to 200% of the federal poverty level.

What Makes Wyoming Unique

Wyoming's marketplace has had only a single insurer for multiple years, resulting in no meaningful competition and among the highest unsubsidized marketplace premiums in the nation. The combination of non-expansion and a single-insurer marketplace leaves Wyoming residents with fewer coverage options and higher costs than virtually any other state.

ACA Subsidies: What Wyoming Residents Should Know

The enhanced subsidies first enacted in the American Rescue Plan expired at the end of 2025. For 2026, premium tax credits follow the original ACA rules: there is no credit above 400% (the “subsidy cliff”), and enrollees are expected to pay up to 9.96% of income toward the benchmark Silver plan. House in January 2026 but has not become law, so 2027 plans are being priced and subsidized under the same rules unless Congress acts.

Wyoming’s Marketplace for 2027: Insurers, Rates, and Dates

Wyoming residents enroll through HealthCare.gov. Full-price premiums rose about 25.9% on average for 2026, before subsidies. 2 insurers sold plans for 2026. Proposed 2027 changes average about 11.3% before subsidies.

About 42,000 people enrolled for 2026. About 87% received premium tax credits, and the average net premium after credits was about $88 a month.

Open enrollment for 2027: November 1, 2026 through January 15, 2027 on HealthCare.gov; enroll by December 15 for coverage starting January 1.

What’s Different About Health Coverage in Wyoming

Wyoming has some of the highest full-price premiums in the country (second only to West Virginia), with just two insurers — Blue Cross Blue Shield of Wyoming and UnitedHealthcare. Subsidized enrollees received credits averaging about $1,127 a month in 2026. Wyoming has not expanded Medicaid, leaving a coverage gap below 100% FPL.

Tips for Choosing Health Insurance in Wyoming

Wyoming residents face very limited insurer options and high premiums without subsidies. ACA subsidies significantly reduce costs for income-eligible residents — checking subsidy eligibility on HealthCare.gov is essential. KidCare CHIP covers children. Adults below the poverty level have very limited coverage options. Short-term health plans are available but lack consumer protections.

• Enroll during open enrollment (November 1 – January 15 (federal marketplace)) — missing the deadline means waiting until the next open enrollment unless you have a qualifying life event.
• Wyoming has not expanded Medicaid, so if your income falls below the federal poverty level you may fall into the coverage gap — a community health center or sliding-scale clinic can serve as a bridge until your income qualifies for marketplace subsidies.

Frequently Asked Questions

How many insurers sell marketplace plans in Wyoming?

Two insurers sold Wyoming marketplace plans for 2026, with proposed 2027 changes averaging about 11.3% before subsidies.

When is open enrollment in Wyoming for 2027?

November 1, 2026 through January 15, 2027 on HealthCare.gov; enroll by December 15 for coverage starting January 1.

How much do Wyoming marketplace enrollees pay after subsidies?

In 2026 about 87% of Wyoming enrollees received premium tax credits, and the average net premium was about $88 a month. There is no credit above 400% of the federal poverty level.

The information on this page is provided for general informational purposes only and reflects estimated industry averages and program eligibility rules as of 2026. Health insurance premiums, Medicaid eligibility thresholds, marketplace options, and program rules change annually. Always verify current eligibility and enrollment options at the official HealthCare.gov (Federal) or by contacting a certified navigator or broker. Premium figures shown are approximations before subsidies — actual net premiums depend on individual income, household size, and plan selection.