Wyoming Health Insurance: Marketplace, Private Plans & 2027 Rates

Shopping for health insurance in Wyoming? The state will again have only two Marketplace insurance companies for 2027: Blue Cross Blue Shield of Wyoming and UnitedHealthcare.

Their proposed premium increases are very different. Blue Cross Blue Shield of Wyoming has requested an average increase of about 9.3%, while UnitedHealthcare has requested about 25.4%.

With only two Marketplace insurers and many Wyoming residents traveling long distances or across state lines for medical care, comparing premiums alone isn't enough. Provider networks, hospitals, specialists, prescriptions, deductibles, and out-of-area coverage all matter.

We help self-employed workers, ranchers, families, individuals, early retirees, and small business owners compare HealthCare.gov plans with other available private coverage.

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Wyoming Health Insurance at a Glance

Topic What Wyoming Residents Should Know
Marketplace Wyoming uses the federal Marketplace at HealthCare.gov.
2027 Open Enrollment November 1, 2026 through January 15, 2027.
January 1 Coverage Enroll or change plans by December 15, 2026.
2027 Marketplace Insurers Blue Cross Blue Shield of Wyoming and UnitedHealthcare.
BCBS Wyoming Rate Filing Proposed average increase of approximately 9.3%.
UnitedHealthcare Rate Filing Proposed average increase of approximately 25.4%.
Overall Rate Trend Current filing-based analysis estimates an overall increase of roughly 11%, although final rates may differ.
Medicaid Wyoming has not adopted ACA Medicaid expansion for the general adult population.
Medicaid Work Requirement Wyoming Medicaid says the state is not affected by the new 2027 community-engagement requirement.
Tribal Members Members of federally recognized Tribes have special Marketplace enrollment and cost-sharing protections.

Wyoming Uses HealthCare.gov

Wyoming uses the federally facilitated Health Insurance Marketplace at HealthCare.gov.

Individuals and families can use HealthCare.gov to compare Qualified Health Plans and determine whether they qualify for federal Premium Tax Credits or other Marketplace savings.

Marketplace plans are ACA-compliant major medical insurance and include important protections such as:

  • Coverage for pre-existing conditions
  • ACA-required essential health benefits
  • Preventive services
  • Prescription drug coverage
  • Hospital and emergency care
  • Maternity and newborn care
  • Defined annual limits on covered in-network out-of-pocket costs
  • No medical underwriting for eligibility
HealthCare.gov is also where eligible Wyoming residents receive federal Premium Tax Credits. Marketplace Premium Tax Credits generally cannot be applied to health coverage purchased outside the Marketplace.

Wyoming Has Two Marketplace Insurance Companies for 2027

Wyoming's individual Marketplace remains one of the smaller insurance markets in the country.

Two insurers are expected to offer Marketplace coverage again for 2027:

Blue Cross Blue Shield of Wyoming

Blue Cross Blue Shield of Wyoming is the state's long-established local Blue Cross Blue Shield plan and remains a major individual-market insurer.

Its current individual coverage uses the BlueSelect provider network.

UnitedHealthcare

UnitedHealthcare entered Wyoming's Marketplace in 2025 and is continuing for 2027.

UnitedHealthcare's current Wyoming ACA materials describe its individual Marketplace network as a non-gated EPO.

Two statewide insurance companies does not mean every plan or network is identical throughout Wyoming. Always enter your ZIP code and compare the specific 2027 plans available at your address.

Proposed Wyoming Health Insurance Rates for 2027

Current federal rate filings show very different proposed increases between Wyoming's two individual-market insurers.

Insurance Company Proposed Average 2027 Change
Blue Cross Blue Shield of Wyoming About +9.3%
UnitedHealthcare About +25.4%

A current analysis of the federal filings estimates an overall increase of approximately 11.3% across Wyoming's individual market.

The 11.3% figure is an estimate rather than an official statewide approved average. Some carrier enrollment information is not publicly available in the filings, and final rates may change.

UnitedHealthcare's filing states that its proposed increase is approximately 25.44% on average, with plan-level changes ranging from about 21.6% to 26.5%.

These percentages are carrier averages, not your personal renewal. Your actual premium depends on factors including age, location, specific plan, tobacco rating where applicable, household information, and any Marketplace financial assistance.

Why Comparing Plans Matters Even With Only Two Insurers

Having only two Marketplace insurance companies can make it tempting to assume there is not much to compare.

But the difference between a roughly 9% carrier increase and a roughly 25% carrier increase makes active comparison particularly important.

Review:

  • Your monthly premium after any financial assistance
  • Your deductible
  • Your annual out-of-pocket maximum
  • Primary care and specialist costs
  • Hospital and outpatient costs
  • Your prescription formulary
  • Your doctors and hospitals
  • Coverage outside Wyoming
Don't automatically renew without looking at the 2027 alternatives. Premiums, networks, prescriptions, and plan benefits can change from year to year.

Wyoming Provider Networks Deserve Extra Attention

Wyoming's geography creates health insurance challenges that residents in more densely populated states may not face.

Depending on where you live and what medical care you need, you may travel significant distances or cross state lines for specialty treatment.

Before enrolling, check:

  • Your primary care physician
  • Your specialists
  • Your closest hospital
  • Your preferred regional medical center
  • Your prescriptions and pharmacy
  • Out-of-state specialist access
  • Non-emergency care while traveling
Emergency coverage and routine out-of-state network access are different. Do not assume a plan covers routine care in another state just because emergency services are covered.

PPO vs. EPO Health Insurance in Wyoming

Network type can be especially important for Wyoming residents who need care outside their immediate community.

Blue Cross Blue Shield of Wyoming

BCBS Wyoming currently uses its BlueSelect PPO network for individual Marketplace coverage.

BCBS Wyoming also participates in the BlueCard program, which can provide access to participating Blue Cross Blue Shield providers outside Wyoming.

UnitedHealthcare

UnitedHealthcare's current ACA materials describe Wyoming as a non-gated EPO market.

EPO plans generally cover non-emergency medical care only when it is received from participating network providers.

Always verify the exact 2027 network before enrolling. Carrier networks and individual plan designs can change from one plan year to the next.

Do You See Doctors Outside Wyoming?

Many Wyoming residents use medical providers outside the state for specialty or complex care.

Depending on where you live, that might include medical systems in:

  • Billings, Montana
  • Denver, Colorado
  • Fort Collins, Colorado
  • Salt Lake City, Utah
  • Idaho Falls, Idaho
  • Rapid City, South Dakota

That makes it important to verify the exact provider rather than relying on a carrier name or the general label PPO or EPO.

If you already know you need an out-of-state specialist, give us the doctor's name before choosing your plan. We can make network access part of the comparison.

Marketplace Premium Tax Credits in Wyoming for 2027

Eligible Wyoming households can continue receiving federal Premium Tax Credits through HealthCare.gov.

The temporary enhanced Premium Tax Credit provisions that applied through 2025 have expired.

Under the general federal rules now in effect, household income generally needs to fall between 100% and 400% of the federal poverty level, along with the other Premium Tax Credit requirements.

Based on the 2026 federal poverty guidelines used for 2027 Marketplace coverage, 400% of the poverty guideline is:

One-Person Household

Approximately $63,840 per year.

Family of Four

Approximately $132,000 per year.

Income alone does not determine eligibility for Marketplace savings. Employer coverage, Medicaid or Medicare eligibility, tax filing status, household size, and other federal requirements can also matter.

Self-Employed Health Insurance in Wyoming

We work with Wyoming ranchers, energy and mining contractors, outfitters and guides, tourism workers, truck drivers, construction and trades workers, real estate professionals, consultants, freelancers, and other independent workers.

Self-employed households face another challenge: accurately estimating annual income for Marketplace financial assistance.

Use Expected Net Business Income

Marketplace income calculations generally use expected net self-employment income after eligible business expenses, not simply gross business revenue.

Income Can Change Quickly

Ranching, mineral and energy work, contracting, tourism, commissions, seasonal work, and business ownership can produce major income swings.

Update Significant Changes

If your household income estimate changes materially during the year, update your Marketplace application rather than waiting until the next Open Enrollment.

Tax Planning Can Matter

Certain eligible retirement contributions, HSA contributions, and other tax adjustments may affect Adjusted Gross Income.

Check with a qualified tax professional about which deductions apply to you.

Advance Premium Tax Credits are reconciled when you file your federal tax return. If actual annual income differs from the estimate used during enrollment, your final Premium Tax Credit can also change.

Marketplace Plans vs. Other Private Health Coverage

Wyoming residents may also have access to health insurance and health-benefit products sold outside HealthCare.gov.

Those products do not necessarily provide the same benefits and protections as ACA Marketplace major medical coverage.

HealthCare.gov Marketplace Plans

  • ACA-compliant major medical insurance
  • Coverage for pre-existing conditions
  • ACA-required essential health benefits
  • Maternity and newborn coverage
  • Defined annual out-of-pocket limits
  • No medical underwriting for eligibility
  • Premium Tax Credits for eligible households

Other Private Coverage

  • May be sold outside HealthCare.gov
  • Some products may use medical underwriting
  • Pre-existing-condition provisions may differ
  • Benefits and exclusions can differ
  • Provider networks can differ
  • Marketplace Premium Tax Credits generally cannot be used
Compare the actual coverage rather than choosing based only on monthly premium. Review provider networks, prescriptions, deductibles, hospital coverage, annual out-of-pocket exposure, exclusions, underwriting, and pre-existing-condition provisions.

Wyoming Medicaid and the Coverage Gap

Wyoming has not adopted the ACA Medicaid expansion for the general low-income adult population.

Instead, Medicaid eligibility depends heavily on the category into which a person falls.

Wyoming's current coverage guidelines illustrate the difference:

Parents & Caretakers

Wyoming's current coverage guide lists Medicaid eligibility for qualifying parents and caretakers at approximately 46% of the federal poverty level.

Adults Without Another Eligibility Category

Wyoming does not provide a general Medicaid expansion pathway for nondisabled adults with income below 100% of the poverty level.

Pregnant Women

Wyoming currently lists Medicaid pregnancy coverage up to approximately 154% of the federal poverty level, subject to other eligibility requirements.

Children & Kid Care CHIP

Children's Medicaid income limits vary by age, and Wyoming's Kid Care CHIP program extends coverage for qualifying children up to approximately 200% of FPL.

The Wyoming Medicaid Coverage Gap

Wyoming's Medicaid rules create a coverage gap for some very low-income adults.

Federal Marketplace Premium Tax Credits generally begin at 100% of the federal poverty level.

But Wyoming does not provide Medicaid to every adult below that income level.

Some adults can therefore earn too little to qualify for Marketplace Premium Tax Credits while also not qualifying for Wyoming Medicaid. This can particularly affect adults who are not pregnant, disabled, elderly, or eligible as a parent or caretaker under Wyoming's Medicaid rules.

Wyoming Is Not Affected by the New 2027 Medicaid Work Requirement

New federal Medicaid community-engagement requirements begin affecting many Medicaid expansion states in 2027.

Wyoming is different because the state has not adopted ACA Medicaid expansion.

The Wyoming Department of Health specifically states that Wyoming is not impacted by the new Medicaid work or community-engagement requirements.

This is an important difference between Wyoming and many Medicaid expansion states. Wyoming Medicaid members do not face a new expansion-adult work requirement in 2027.

Wyoming Medicaid Retroactive Coverage Changes in 2027

Wyoming Medicaid does have another important eligibility change beginning January 1, 2027.

The state says retroactive Medicaid coverage will be limited to two months for eligible applicants.

If you believe you qualify for Wyoming Medicaid, applying promptly becomes more important. A shorter retroactive period can affect how far coverage reaches back for eligible medical expenses.

Special Marketplace Protections for Tribal Members

Federal Marketplace rules provide important enrollment and cost-sharing protections for members of federally recognized Tribes.

Eligible Tribal members can generally:

  • Enroll in Marketplace coverage throughout the year
  • Change Marketplace plans as often as once per month
  • Continue receiving eligible care through Indian health programs
  • Qualify for special Marketplace cost-sharing protections

Zero Cost-Sharing Plans

Eligible members of federally recognized Tribes with household income between 100% and 300% of the federal poverty level may qualify for a zero-cost-sharing Marketplace plan.

Indian Health Care Providers

Eligible Tribal members may also have special cost-sharing protections when receiving care through Indian Health Service, Tribal programs, or urban Indian health programs.

Marketplace insurance can supplement rather than replace Indian health care. Eligible members can continue using Indian health care providers after enrolling in Marketplace, Medicaid, or CHIP coverage.

Wyoming Open Enrollment for 2027

Wyoming follows the federal HealthCare.gov Open Enrollment schedule.

Open Enrollment for 2027 coverage runs from November 1, 2026 through January 15, 2027.

  • November 1, 2026: Open Enrollment begins.
  • December 15, 2026: Last day to enroll or change plans for coverage beginning January 1, 2027.
  • January 15, 2027: Open Enrollment ends. Coverage selected after December 15 generally begins February 1.
Don't automatically accept your renewal. With the two Wyoming carriers requesting very different average rate changes, compare the actual 2027 premiums and networks first.

Leaving a Job or Losing Employer Health Insurance?

Losing qualifying employer-sponsored health coverage can create a Special Enrollment Period through HealthCare.gov.

Depending on your circumstances, compare:

  • COBRA continuation coverage
  • A spouse's employer-sponsored plan
  • A HealthCare.gov Marketplace plan
  • Wyoming Medicaid if eligible
  • Other available individual coverage

COBRA can allow you to temporarily keep the employer coverage you already have, but the monthly premium can increase substantially after your employer stops contributing.

Learn more about COBRA alternatives →

Wyoming Health Insurance for Early Retirees

Retiring before age 65 can create several years between employer-sponsored health insurance and Medicare eligibility.

Depending on your circumstances, options may include:

  • HealthCare.gov Marketplace coverage
  • COBRA
  • A spouse's employer-sponsored plan
  • Other available private coverage

Income planning can be especially important for early retirees because pensions, taxable retirement withdrawals, investment income, ranch or business income, and other income can affect Marketplace MAGI.

Retiring does not automatically make you ineligible for Marketplace assistance. Eligibility depends on household income and the other applicable federal requirements.

Small Business Health Insurance in Wyoming

Wyoming employers can approach employee health benefits in several different ways.

Preliminary 2027 small-group filings currently indicate an average requested increase of roughly 10% across the filings included in the current analysis.

That is a preliminary market-level figure, not your company's renewal increase. Actual rates depend on the carrier, plan design, employees, location, and other rating factors.

Depending on the company, strategies may include:

Traditional Group Coverage

Employer-sponsored health insurance where eligible employees participate in the business's group plan.

Level-Funded Coverage

Certain employers may qualify for level-funded arrangements combining employer funding with stop-loss insurance.

Underwriting, plan design, and refund provisions vary by carrier.

ICHRA

An Individual Coverage HRA can allow an employer to reimburse eligible employees for qualifying individual health insurance under applicable rules.

QSEHRA

Certain qualifying small employers that do not offer group health insurance can reimburse eligible employees for qualifying individual premiums and expenses.

Geography matters for Wyoming employers. If workers live in several counties or regularly cross state lines, provider access should be part of the benefit comparison.

How We Help Wyoming Residents

Self-Employed & 1099 Workers

Ranchers, energy and mining contractors, outfitters and guides, tourism workers, truck drivers, tradespeople, real estate professionals, consultants, and other independent workers.

Individuals & Families

We help identify available Marketplace financial assistance and compare premiums, deductibles, doctors, prescriptions, and provider networks.

People Paying Full Price

If you do not qualify for Marketplace Premium Tax Credits, we can compare full-price Marketplace coverage with other available coverage.

People Who Need Out-of-State Care

If you regularly use doctors or hospitals in Colorado, Montana, Utah, Idaho, South Dakota, or another state, we'll make provider access part of the comparison.

Early Retirees

We help people who need coverage before Medicare compare Marketplace insurance, COBRA, spouse coverage, and other available options.

Small Business Owners

We can discuss traditional group coverage, level-funded plans, ICHRAs, QSEHRAs, and additional employee benefits.

Serving Clients Across Wyoming

We work with Wyoming residents by phone and video, so distance from a major city does not prevent you from meeting with us.

Southeast Wyoming
Cheyenne, Laramie, Torrington, Wheatland and surrounding communities
Central Wyoming
Casper, Douglas, Riverton, Lander and surrounding communities
Northeast Wyoming
Gillette, Sheridan, Buffalo and surrounding communities
Southwest Wyoming
Rock Springs, Green River, Evanston, Kemmerer and surrounding communities
Northwest Wyoming
Cody, Powell, Jackson and surrounding communities
Rural Wyoming
We work with ranches, small towns, and rural communities throughout the state by phone and video
Your location matters even in a two-carrier market. Provider networks, nearby hospitals, specialty-care access, and practical out-of-state options can differ considerably.

Official Wyoming Health Insurance Resources

HealthCare.gov
Marketplace enrollment, Premium Tax Credits, plan comparison, and Special Enrollment Periods.
Visit HealthCare.gov →

Wyoming Department of Insurance
Health insurance consumer information, insurance-company oversight, and assistance with insurance questions.
Visit Wyoming Department of Insurance →

Wyoming Medicaid
Medicaid and Kid Care CHIP applications, eligibility information, and 2027 program changes.
Visit Wyoming Medicaid →

American Indian & Alaska Native Marketplace Coverage
Federal information about year-round enrollment, Tribal Special Enrollment Periods, and special cost-sharing protections.
Review Tribal Marketplace Benefits →

Common Questions About Wyoming Health Insurance

Does Wyoming use HealthCare.gov?

Yes. Wyoming uses the federal Health Insurance Marketplace at HealthCare.gov for individual and family Marketplace coverage.

How many Marketplace insurers will Wyoming have in 2027?

Two: Blue Cross Blue Shield of Wyoming and UnitedHealthcare.

How much is Blue Cross Blue Shield of Wyoming increasing for 2027?

Its current filing requests an average increase of approximately 9.3%.

The rate is proposed, and your own premium change may differ.

How much is UnitedHealthcare increasing for 2027?

UnitedHealthcare's current filing requests an average increase of approximately 25.4%.

Plan-level increases in the filing range from approximately 21.6% to 26.5%.

What is Wyoming's average 2027 health insurance increase?

Current filing-based analysis estimates an average increase of roughly 11%.

Because some enrollment data is not publicly available, that figure should be treated as an estimate rather than an official final statewide average.

Are Wyoming's 2027 rates final?

The current carrier figures are proposed rate filings. Final premiums may differ after federal review.

Does Wyoming have PPO Marketplace plans?

Blue Cross Blue Shield of Wyoming currently uses its BlueSelect PPO network for individual coverage.

UnitedHealthcare currently describes its Wyoming ACA offering as an EPO. Verify the exact 2027 plan and network when enrollment opens.

What if I see doctors outside Wyoming?

Check the exact network before choosing coverage.

This can be especially important if you use doctors or hospitals in Colorado, Montana, Utah, Idaho, or South Dakota.

When is Wyoming Open Enrollment for 2027?

Open Enrollment runs from November 1, 2026 through January 15, 2027.

Enroll by December 15 for coverage beginning January 1.

Did Wyoming expand Medicaid?

No. Wyoming has not adopted the ACA Medicaid expansion for the general adult population.

What is the Wyoming Medicaid coverage gap?

Marketplace Premium Tax Credits generally begin at 100% of the federal poverty level, but Wyoming does not provide general Medicaid eligibility to all adults below that level.

Some very low-income adults can therefore qualify for neither program.

Does Wyoming Medicaid have a new work requirement in 2027?

No. The Wyoming Department of Health specifically says Wyoming is not impacted by the new Medicaid community-engagement requirements.

What changes for Wyoming Medicaid in 2027?

Beginning January 1, 2027, retroactive Medicaid coverage is limited to two months for qualifying applicants.

Can Tribal members enroll in Marketplace insurance year-round?

Members of federally recognized Tribes can generally enroll in Marketplace coverage throughout the year and change Marketplace plans as often as once per month.

Can Tribal members qualify for plans with no cost sharing?

Eligible members of federally recognized Tribes with household income between 100% and 300% of the federal poverty level may qualify for zero-cost-sharing Marketplace plans.

Can self-employed people get Marketplace insurance in Wyoming?

Yes. Self-employed Wyoming residents can purchase individual coverage through HealthCare.gov and may qualify for Premium Tax Credits if they meet the applicable requirements.

Can I get Wyoming health insurance outside Open Enrollment?

Possibly. Marketplace enrollment outside Open Enrollment generally requires a Special Enrollment Period after a qualifying life event such as losing coverage, getting married, having a baby, or certain moves.

Medicaid and Kid Care CHIP applications can be submitted throughout the year. Other health products may have different enrollment rules.

Is private health insurance cheaper than HealthCare.gov?

It depends on the applicant and the type of coverage.

Some non-Marketplace products may have lower premiums for certain eligible applicants, but medical underwriting, benefits, exclusions, provider networks, and pre-existing-condition provisions can differ.

Compare the actual coverage rather than choosing based solely on monthly premium.

Can you check whether my doctors are in network?

Yes. Give us the names of your physicians, specialists, preferred hospitals, prescriptions, and pharmacy when we compare coverage.

Can you help me if your office is in Arizona?

Yes. We are licensed in Wyoming and work with Wyoming clients remotely by phone and video.

Compare Your Wyoming Health Insurance Options for 2027

Wyoming has only two Marketplace insurers, and their proposed 2027 rate changes are very different. Provider access can also matter considerably when you regularly travel outside Wyoming for medical care.

We'll help you compare available options, check your doctors and prescriptions, identify financial assistance you may qualify for, and understand the costs and coverage before you choose.

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