Private Health Plans for the Self-Employed in Wyoming

I am an independent, licensed health insurance broker, and I am licensed in Wyoming. If you are self-employed, a 1099 contractor, or a freelancer, this page covers the options that sit outside the Marketplace — what is actually available in Wyoming, what the trade-offs are, and when a private plan is the wrong answer. There is no fee for my help. The insurance company pays the broker, not you.

Wyoming law allows short-term plans to run up to 36 months including renewals.

Wyoming at a glance for the self-employed

Wyomingites shop on HealthCare.gov. Two carriers sold plans for 2026, Blue Cross Blue Shield of Wyoming and UnitedHealthcare, after Mountain Health CO-OP left at the end of 2025. Full-price premiums here are among the highest in the country, second only to West Virginia. Wyoming health insurance guide.

• 2027 rates. Carriers proposed about 11% on average: about 9% at Blue Cross Blue Shield of Wyoming and about 25% at UnitedHealthcare.
• Subsidies were huge. The average Wyoming subsidy was about $1,127 a month in 2026. For ranchers, contractors and business owners over the 400% line, that is a lot of money to lose.
• No Medicaid expansion. Some low-income adults fall into the coverage gap.

The 400% line matters more here than most people expect. For 2027 the credit stops above $63,840 for one person and $132,000 for a family of four, and there is no phase-out. See the full 2027 income limits.

Your private options in Wyoming

• Short-term plans. Wyoming allows short-term coverage for up to 36 months including renewals. That length makes them tempting, but they usually exclude pre-existing conditions and often leave out prescriptions and maternity, so read the benefit summary line by line.
• Medically underwritten private plans. Health questions up front, often lower premiums for healthy applicants, broad PPO networks, and applications accepted any month.
• Supplemental coverage. Accident, critical-illness and hospital plans can soften a high deductible. How it works.

When private is the right call in Wyoming, and when it is not

With two carriers on HealthCare.gov for 2027 and full-price premiums second only to West Virginia, a healthy Wyoming freelancer or business owner over the subsidy line often saves real money with a private plan.

Stay with HealthCare.gov if you have an ongoing condition, are pregnant or planning to be, take expensive prescriptions, or qualify for a meaningful tax credit. If that is you, I will say so.

The tax piece

Most self-employed people can deduct their health insurance premiums, which also lowers the income that counts toward a subsidy. How it works for 1099 workers.

Wyoming questions I hear a lot

Which carriers sell Marketplace plans in Wyoming?

Blue Cross Blue Shield of Wyoming and UnitedHealthcare. Mountain Health CO-OP left at the end of 2025.

How much are Wyoming premiums going up for 2027?

Carriers proposed about 11% on average: about 9% at Blue Cross Blue Shield of Wyoming and about 25% at UnitedHealthcare.

Did Wyoming expand Medicaid?

No. Some low-income adults fall into the coverage gap.

What if I earn more than 400% of the poverty level in Wyoming?

You pay one of the highest full prices in the country. For healthy applicants a private medically underwritten plan can save a lot. I compare both at no cost.

Posey Health Solutions · National Producer Number 20609967 · licensed in Wyoming and 30 other states. This page is general information, not advice about a specific plan, and it is not tax advice. Plan availability, carrier participation, and duration limits vary by county, carrier, and plan year, and the rules can change.