Health insurance for Wyomingites who buy their own.
We help Wyomingites who buy their own health insurance, from people leaving a job in Cheyenne or Casper to ranchers, contractors, and early retirees waiting on Medicare, compare their real options for 2026 and 2027.
Wyoming plans we compare
What’s different about health insurance in Wyoming.
Every state runs its individual market a little differently. These are the rules that matter most if you buy your own coverage here.
Read the Wyoming FAQ- Wyoming uses HealthCare.gov. Open enrollment for 2027 runs November 1, 2026 to January 15, 2027; pick a plan by December 15 for a January 1 start.
- Only two insurers sell Marketplace plans for 2026: Blue Cross Blue Shield of Wyoming and UnitedHealthcare. Mountain Health CO-OP left at the end of 2025.
- Before subsidies, Wyoming has the second-highest average Marketplace premiums in the country, and 2026 rates rose about 26% on average.
- The enhanced federal subsidies ended after 2025, so income above 400% of poverty now means no premium tax credit.
- Wyoming has not expanded Medicaid. Adults without children earning under 100% of poverty fall into a coverage gap.
- State continuation law lets you keep a small employer's group plan for up to 12 months.
However you got here, there’s a better plan than the first one you were offered.
Leaving a job, or staring at a COBRA bill
Compare COBRA and Wyoming's own continuation rules with Marketplace plans and everything else you qualify for.
Compare your options
Retired before 65
Bridge the years to Medicare without draining savings.
Learn more
Self-employed or 1099
Solid coverage, manageable premiums, and the tax deduction most people miss.
Learn moreLooking beyond the Marketplace
Health sharing and other non-ACA options, with the trade-offs explained.
Learn moreNeed coverage for a short gap
What short-term coverage looks like in Wyoming, and what to use instead.
Learn moreWho sells plans in Wyoming
Every insurer offering individual and family plans for 2026.
Learn moreFrom first conversation to coverage in three steps.
- 1
Tell us your situation
Share your ZIP, age, budget and the doctors you want to keep. Online or by phone, with no commitment.
About 5 minutes - 2
We compare every option
A licensed agent checks the plans sold in your county for premiums, deductibles, networks and prescriptions.
Usually within 1 business day - 3
Enroll with confidence
See your best matches side by side. Pick one and we handle the enrollment, then stay with you for renewals.
We handle the paperwork
Straight answers before you call.
More in our Wyoming FAQ, or ask an agent at (888) 214-4898.
No. Wyoming uses the federal Marketplace at HealthCare.gov. Open enrollment for 2027 coverage runs from November 1, 2026 to January 15, 2027, and you need to choose a plan by December 15 for coverage to start January 1.
Before subsidies, Wyoming's average Marketplace premiums are the second highest in the country. Average 2026 rates rose about 26%, and enrollment fell after the enhanced subsidies ended, which tends to leave a sicker group of members. Most enrollees still get a premium tax credit that brings their cost down a lot.
The insurers have asked for more increases. Blue Cross Blue Shield of Wyoming proposed an average of 9.3% and UnitedHealthcare 25.4%, about 11.3% on average. The biggest effect falls on people with income above 400% of poverty who get no subsidy.
See what you'd actually pay.
A licensed agent will compare plans from every insurer in your Wyoming county, check your subsidy, and walk you through the options. No cost, no obligation.