Wyoming open enrollment 2027 Open enrollment · Wyoming

Wyoming Open Enrollment 2027 for People Between Jobs

Last updated November 3, 2026 · By Frank Caballero, licensed health insurance broker

Short answer

For people between jobs in Wyoming, open enrollment for 2027 coverage runs November 1, 2026 to January 15, 2027 on HealthCare.gov, and December 15 is the date to choose by for a January 1 start. If you are healthy, a private, medically underwritten plan is another route that ignores the calendar: if approved, it can start the first of any month, right after your job coverage ends.

What 2027 looks like for you

Wyoming's average 2027 rate change is 11.2% to 11.3% (finalized). The details are on the Wyoming 2027 premium increase page.

Losing job-based coverage opens a 60-day special enrollment period, and open enrollment runs at the same time this fall, so most people between jobs have two doors open at once. Federal COBRA, where it applies, lasts up to 18 months at up to 102% of the full premium. Any Marketplace subsidy depends on your 2027 household income, with the line at $63,840 for one person and $86,560 for two.

Wyoming this year

Wyoming's approved 2027 increase of about 11.3 percent is smaller than most of the Mountain West, but it sits on one of the highest starting premiums in the country, and small-business group rates are up about 10 percent. Few insurers and long drives between hospitals in Cheyenne, Casper and Jackson make networks decisive. Oil, gas and coal contractors in Gillette and Rock Springs and outfitters in the Yellowstone gateways cycle through work. Wyoming requires insured plans not under federal COBRA, generally employers below 20 workers, to make a year of continuation available once someone has been covered three months, at up to 102 percent, if requested in writing within 31 days.

State continuation 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.

One thing to do before you choose

Wyoming's 31-day written request is the first deadline to meet if you might want continuation. While it is open, check which hospitals in Casper, Cheyenne or Gillette each HealthCare.gov plan includes, since distance matters as much as price here. Seasonal guides and energy contractors should project 2027 income realistically; a household of two under $86,560 can qualify for help with premiums.

Your checklist

The exact date your job coverage ends, in writing
Your COBRA notice and its election deadline
Severance and final pay in your 2027 income estimate
A private quote while COBRA is still in reserve

Private plan or Marketplace?

Private plan

Healthy and between roles: priced on age, ZIP code and health, with COBRA kept in reserve. Approval depends on health answers; not an ACA Marketplace plan.

Marketplace

Ongoing treatment, or a year of lower income: HealthCare.gov must accept you within the 60-day window or during open enrollment.

Compare Wyoming plans this open enrollment

Private plans priced first, the Marketplace alongside when it fits. Phone or video, English or Spanish, no fee.

Get a quote Book a call (786) 218-2384

About your broker

Frank Caballero (NPN 21032307), licensed in 31 states including Wyoming. Phone or video, English or Spanish, no fee; independent, not HealthCare.gov or any government agency.

Questions

When is the 2027 open enrollment deadline in Wyoming?

January 15, 2027 on HealthCare.gov. Choose by December 15, 2026 for coverage that starts January 1; plans picked after that start February 1.

My Gillette employer had 14 people. What is my deadline to keep the plan?

Wyoming's continuation for insured plans outside federal COBRA must be requested in writing within 31 days. It allows 12 months if you were covered for three months or longer, costing the group rate plus a 2 percent maximum. Separately, you have 60 days to choose a Marketplace plan.

Can I get a private plan in Wyoming after open enrollment closes?

Yes. You can apply in any month and, if approved, a private plan can start the first of a month; the insurer can decline based on health answers.

More for Wyoming

Official sources: HealthCare.gov, the federal Marketplace; HealthCare.gov: special enrollment periods. 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.