Health Insurance in Wyoming for the Self-Employed & Families
I am an independent, licensed health insurance broker and I am licensed in Wyoming. I compare Wyoming plans across the carriers available to you, explain the trade-offs in plain English, and help you enroll. There is no fee for my help. The insurance company pays the broker, not you.
Wyoming has some of the highest unsubsidized premiums in the country, second only to West Virginia. Over the subsidy limit? Private plans are worth a look.
How coverage works in Wyoming
Wyoming uses the federal marketplace at HealthCare.gov. For 2026, two carriers sold Marketplace plans: Blue Cross Blue Shield of Wyoming and UnitedHealthcare. Mountain Health CO-OP left the market at the end of 2025. For 2027 the carriers proposed an average increase of about 11%.
Wyoming has not expanded Medicaid, so some low-income adults fall into a coverage gap: too little income for a Marketplace subsidy and not eligible for Medicaid. If that sounds like you, call me anyway. There are sometimes still options worth looking at.
If you earn too much for a subsidy
In 2026 the average Wyoming enrollee received a subsidy of about $1,127 a month. Above 400% of the poverty level ($63,840 for one person, $132,000 for a family of four in 2027) you get none of that and pay the full price. For healthy ranchers, contractors and business owners over the line, a private, medically underwritten plan is often the better deal. See the 2027 income limits.
Your realistic options in Wyoming
- Marketplace (ACA) plans. Guaranteed acceptance, pre-existing conditions covered, and a premium tax credit if your household income is at or under 400% of the poverty level.
- Private, medically underwritten plans. These ask health questions. For healthy applicants they are often cheaper than full-price Marketplace coverage, and you can apply any time of year rather than only during Open Enrollment.
- Small business / group coverage. If you have employees in Wyoming, group coverage or an ICHRA is worth pricing. Options for business owners.
- Short-term and supplemental. Useful for bridging a gap, or adding dental, vision, accident and critical-illness coverage alongside a main plan. How supplemental coverage works.
Who I usually help in Wyoming
Self-employed people and 1099 contractors, families buying their own coverage, people who have just lost coverage through a job, small business owners, and people retiring before Medicare starts. Wyoming has a lot of self-employed people and small operations. See private health plans for the self-employed in Wyoming or health insurance for 1099 workers.
Wyoming health insurance questions
Where do I buy health insurance in Wyoming?
Most Wyoming residents buy individual coverage on HealthCare.gov, the federal Marketplace. You can also enroll through a licensed broker like me at no extra cost, and I can show you private plans sold outside the exchange at the same time.
When is Open Enrollment for 2027 coverage in Wyoming?
November 1, 2026 to January 15, 2027. Enroll by December 15 for coverage that starts January 1.
Which insurance companies sell Marketplace plans in Wyoming?
Two carriers: Blue Cross Blue Shield of Wyoming and UnitedHealthcare. Availability varies by county.
Did Wyoming expand Medicaid?
No. Some low-income adults fall into the coverage gap.
Can I get health insurance in Wyoming outside Open Enrollment?
Marketplace plans need a qualifying life event, such as losing job-based coverage, moving, marriage or a new baby. Private medically underwritten plans can be applied for any month of the year. Wyoming allows short-term plans up to 36 months including renewals.
Does it cost more to use a broker in Wyoming?
No. The premium is the same whether you enroll yourself or through a broker. The insurance company pays the broker, not you.
Get Wyoming options in plain English
Tell me your ZIP code and I will do the comparing. No fee, no obligation.
Posey Health Solutions · National Producer Number 20609967 · licensed in Wyoming and 30 other states. Market figures are from healthinsurance.org's Wyoming guide; 2027 rate changes were proposed filings at the time of writing. This page is general information, not advice about a specific plan, and it is not tax advice. Plan availability and carrier participation vary by county and plan year.