See your Wyoming health insurance coverage options.

To qualify for health coverage through the Wyoming Marketplace, you must:⁷

• Live in Wyoming
• Be lawfully present in the United States
• Not be incarcerated
• Not be enrolled in Medicare

Eligibility for financial assistance in the form of premium subsidies and cost-sharing reductions depends on your income. In addition, to qualify for financial assistance with your Marketplace plan you must:

• Not have access to affordable health coverage offered by an employer. If your employer offers coverage but you feel it’s too expensive, you can use our Employer Health Plan Affordability Calculator to see if you might qualify for premium subsidies in the Marketplace. 
• Not be eligible for Medicaid or CHIP.
• Not be eligible for premium-free Medicare Part A.⁸

In Wyoming, you can sign up for an ACA-compliant individual or family health plan from November 1 to January 15 during open enrollment.⁹ 

If you need your coverage to start on January 1, you must apply by December 15. If you apply between December 16 and January 15, your coverage will begin on February 1.¹⁰

Outside of open enrollment, a special enrollment period (generally due to a specific qualifying life event) is necessary to enroll or make changes to your coverage.

If you have questions about open enrollment, you can learn more in our comprehensive guide to open enrollment. We also have a comprehensive guide to special enrollment periods. 

To enroll in an ACA Marketplace plan in Wyoming, you can: 

• Visit HealthCare.gov – Wyoming’s health insurance Marketplace. Here you will find an online platform to compare plans, determine whether you’re eligible for financial assistance, and enroll in the plan that best meets your needs. 
• Purchase Marketplace health coverage with the help of an insurance agent or broker, a Navigator or certified application counselor, or an approved enhanced direct enrollment entity.¹¹
• You can also call HealthCare.gov’s contact center by dialing 1-800-318-2596 (TTY: 1-855-889-4325). The call center is available 24 hours a day, seven days a week, but it’s closed on holidays.

Wyoming residents use the federally run enrollment platform – HealthCare.gov – to shop for individual and family health plans.

As of 2023, about 90% of Wyoming Marketplace enrollees saved money on their premiums due to income-based advance premium tax credits (subsidies). The average subsidy savings was $873/month, providing an average after-subsidy premium of $97/month.¹²

People with household incomes up to 250% of the federal poverty level also qualify for cost-sharing reductions (CSR). This benefit, which is automatically added to Silver-level plans if you’re eligible for it, will reduce your out-of-pocket expenses when you use your plan.[efn_note]APTC and CSR Basics. Centers for Medicare and Medicaid Services. June 2023.[/efn_note]

Between the premium subsidies and cost-sharing reductions, you may find that an ACA health insurance plan provides the best value when you’re shopping for coverage.

Source: CMS.gov¹²

Wyoming has not yet expanded Medicaid eligibility under the ACA. The state legislature has considered Medicaid expansion numerous times over the years, but the legislation has never been successful. As a result, there is a coverage gap in the state: Non-disabled adults under age 65 who don’t have children are ineligible for both Medicaid and Marketplace subsidies.

Two insurers offer Marketplace health insurance plans in Wyoming, and both offer coverage statewide for 2024.¹

Wyoming’s Marketplace insurers have implemented the following average rate changes for 2024, before subsidies are applied:¹³

Source: HealthCare.gov¹³

When we talk about overall average rate changes, however, we have to keep in mind that they only reflect how full-price premiums change from one year to the next. They don’t account for subsidies or for the fact that a person’s rates will increase each year based on their age, even if their insurer doesn’t change its average premiums at all.

Most enrollees in Wyoming’s exchange receive premium subsidies, which offset the majority of the cost of their coverage.¹²

Wyoming is one of only two states (the other is Oklahoma) where the federal government conducts the rate review process; in the rest of the country, this is done by state regulators.¹⁴

For perspective, here’s a summary of average full-price premium changes over the years in Wyoming’s individual market (note that most enrollees qualify for subsidies, and these price changes are all calculated before subsidies are applied):

• 2015: Average increase of 5%.¹⁵
• 2016: Average increase of 6% (only BCBSWY left in the Marketplace)
• 2017: Average increase of 7%.¹⁶
• 2018: Average increase of 55%.¹⁷
• 2019: Average decrease of 0.25%.¹⁸
• 2020: Average increase of 2%.¹⁹
• 2021: Average decrease of 10%.²⁰ (and Mountain Health CO-OP joined the Marketplace)
• 2022: Average (unweighted) decrease of 4%.²¹
• 2023: Average increase of 19%.²²

In the open enrollment period for 2023 coverage, over 37,000 people enrolled in a health plan through the Wyoming ACA Marketplace.¹² This marked the third year in a row the Wyoming Marketplace reached record-high Marketplace enrollment.

The surge in enrollment during these years was due in part to the American Rescue Plan (ARP) which made ACA’s premium subsidies more substantial. Under the ARP – now extended by the Inflation Reduction Act – subsidies are more significant and accessible through the end of 2025.²³

Source: 2014,²⁴ 2015,²⁵ 2016,²⁶ 2017,²⁷ 2018,²⁸ 2019,²⁹ 2020,³⁰ 2021,³¹ 2022,³² 2023¹²

HealthCare.gov
800-318-2596

Wyoming Insurance Department
Provides consumer protection and support to Wyoming residents by investigating consumer complaints and resolving issues on insurance matters.
(307) 777-7401 / Toll Free: 1-800-438-5768 / [email protected]

State Exchange Profile: Wyoming
The Henry J. Kaiser Family Foundation overview of Wyoming’s progress toward creating a state health insurance exchange.