Wyoming Open Enrollment for 2027 Coverage
Last updated November 3, 2026 · By Frank Caballero, licensed health insurance broker
Short answer
Open enrollment for 2027 coverage in Wyoming runs November 1, 2026 to January 15, 2027 on HealthCare.gov. Enroll by December 15 for coverage that starts January 1; plans picked December 16–January 15 start February 1. Private, medically underwritten plans don't use the window: if approved, they can start the first of any month.
Key dates for Wyoming
| What | HealthCare.gov |
|---|---|
| Open enrollment opens | November 1, 2026 |
| Open enrollment closes | January 15, 2027 |
| Deadline for a January 1, 2027 start | December 15, 2026 |
| Plans picked December 16 to January 15 | Start February 1, 2027 |
| Private plans | Any month, if approved |
Wyoming at a glance
- Where Wyoming buys Marketplace plans: HealthCare.gov, the federal Marketplace
- 2027 average rate change: 11.2% to 11.3% (finalized)
- Insurers filing individual plans: two
- Small-group average change: about 10%
- Largest metro areas: Cheyenne, Casper, Laramie and Gillette
- Medicaid expansion: No
What changed for 2027
Wyoming's 11.3 percent was approved essentially as filed; small-group plans rise about 10 percent. It is a smaller increase than most of the Mountain West, but on one of the highest starting premiums in the country. More detail is on the Wyoming 2027 premium increase page.
For Wyoming households buying 2027 coverage, the Marketplace premium tax credit stops at 400% of the federal poverty level: $63,840 for one person, $86,560 for two, $109,280 for three and $132,000 for four. The repayment caps were removed starting with tax year 2026, so any excess advance credit is repaid in full on Form 8962. General information, not tax advice — confirm with your CPA based on your specific entity structure.
Who this year's window matters for in Wyoming
Wyoming's final 11.3 percent looks mild next to its neighbors, but full-price premiums were already among the highest in the country. With few insurers and long drives between Cheyenne, Casper, Laramie and Gillette, the network often decides the plan, and ranchers and seasonal workers with uneven income should set their 2027 estimate carefully.
Self-employed work that is common in Wyoming, and the people I most often help there: oil, gas and coal contractors, cattle ranching families, construction trades, outfitters and guides in Jackson and the Yellowstone gateways, owner-operator truck drivers on I-80, and remote workers in Teton County.
Before you renew in Wyoming
Wyomingites whose specialists are in Denver, Salt Lake City or Billings should look those specialists up by name in the 2027 directory, because many Wyoming plans have limited networks outside the state. Ranch families and seasonal workers in Jackson and the energy towns should build the 2027 estimate from the full year rather than a strong season.
Should you renew, switch, or look at private?
Auto-renew risk
Do nothing and HealthCare.gov re-enrolls you at the new 2027 price, 11.2% to 11.3% higher on average in Wyoming.
Healthy, income above the line
Price a private plan in Wyoming too. If approved, it can start the first of any month, with no wait for Wyoming's window.
Health conditions or subsidy-eligible income
Use the Marketplace. HealthCare.gov plans can't decline you or charge more for your health.
Checklist before you pick a plan
- Your Wyoming renewal notice
- The new 2027 premium and deductible
- Doctors and prescriptions still in network, including any care in Cheyenne or Casper
- Your 2027 income estimate
Missed it?
After Wyoming's window closes, a Marketplace plan needs a special enrollment event: losing other coverage, a move, marriage or a baby, generally within 60 days, through HealthCare.gov. Check with Can I enroll now? or the missed open enrollment guide.
Leaving a job in Wyoming? Wyoming requires insured group plans not subject to federal COBRA, which generally means employers with fewer than 20 employees, to offer 12 months of continuation after three months of coverage, at up to 102 percent of the group rate, if you request it in writing within 31 days.
Short-term plans, if you only need a bridge: Wyoming has no state law limiting short-term plan length, so federal rules govern, and federal agencies are not prioritizing enforcement of the current four-month federal cap. They are not Marketplace coverage.
In Wyoming, a private, medically underwritten plan needs no event. If approved, it starts the first of a month; approval is not guaranteed.
Compare Wyoming plans before you renew
Private plans priced first, the Marketplace alongside when it fits. Phone or video, English or Spanish, no fee.
About your broker
Frank Caballero (NPN 21032307) is a health insurance broker licensed in 31 states including Wyoming. Phone or video, English or Spanish, no fee. BBB Accredited (A) and rated 4.9 on Google from 78 reviews. He is independent, not HealthCare.gov or a government agency.
Wyoming open enrollment questions
When does open enrollment end in Wyoming for 2027?
January 15, 2027, on HealthCare.gov, the federal Marketplace. Pick a plan by December 15 for a January 1 start in Wyoming.
What happens if I miss the December 15 deadline in Wyoming?
You can still enroll through January 15, but a plan picked after December 15 starts February 1.
Can I get a private plan in Wyoming outside open enrollment?
Yes. In Wyoming you can apply in any month, and if approved, a private, medically underwritten plan starts the first of a month; the insurer can decline based on health.
Will I be auto-renewed in Wyoming?
Usually, at the 2027 price: 11.2% to 11.3% higher on average.
Is there a fee to use a broker in Wyoming?
No. Wyoming clients pay nothing; the insurance company pays the broker, and Marketplace premiums are the same with or without one.
Is Wyoming's 2027 increase small enough to just renew?
Not necessarily. An 11.3 percent increase on an already high premium is still a large dollar change, especially for older buyers above the subsidy line. Compare before December 15.
More for Wyoming
Open enrollment in nearby states
Official sources: HealthCare.gov, the federal Marketplace; HealthCare.gov: special enrollment periods. HealthCare.gov is the federal Marketplace. FC Insurance Solutions is an independent, licensed brokerage and is not affiliated with any government agency.
Written by Frank Caballero, licensed health insurance broker in Wyoming and 30 other states, NPN 21032307. Last updated November 3, 2026.