Wyoming health insurance questions, answered.

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.

Since the enhanced credits ended after 2025, you lose the premium tax credit entirely once household income goes above 400% of the federal poverty level. In Wyoming, where prices before subsidies are very high, crossing that line can cost an older buyer a lot. Planning withdrawals to stay below it can make a large difference.

Usually not, unless you have a disability or dependent children and very low income. Wyoming has not expanded Medicaid, so non-disabled adults without children do not qualify. If your income is below 100% of poverty, you may also miss out on Marketplace subsidies.

The Wyoming Department of Health lists $960 a month in 2026 for a 40-year-old non-smoker on the lowest-price Gold plan, at an income of 400% of poverty. Premiums go up with age, so someone in their late 50s or early 60s will usually pay more.

Wyoming has no state limit, so federal rules apply. Federal regulators said in August 2025 they would stop prioritizing enforcement of the four-month cap, and insurers here sell plans that can last up to 36 months with renewals. Terms vary by insurer.

Usually not. Short-term plans do not have to follow ACA rules, so they can decline applicants or exclude existing conditions. They also tend to leave out maternity and mental health care, and you cannot use a premium tax credit on them.

Two: Blue Cross Blue Shield of Wyoming and UnitedHealthcare. Blue Cross Blue Shield of Wyoming has the larger share of the market. UnitedHealthcare joined the Wyoming Marketplace for 2025.

Mountain Health CO-OP left the Wyoming individual market at the end of 2025, partly because the enhanced federal subsidies expired. About 9,600 people had to choose a new insurer for 2026.

Both have filed 2027 rates and are expected to keep offering plans. Blue Cross Blue Shield of Wyoming proposed a 9.3% average increase and UnitedHealthcare 25.4%. Final plan lists appear on HealthCare.gov when open enrollment begins.