Wyoming open enrollment 2027 Open enrollment · Wyoming

Wyoming Open Enrollment 2027 for Marketplace Renewals

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

Short answer

For people renewing a Marketplace plan 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. Before you let the renewal go through, know that a private, medically underwritten plan is another option: if approved, it can start the first of any month.

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.

Unless you act, HealthCare.gov renews most enrollees into the same plan, or a similar one if yours is gone, at the 2027 price. Your renewal notice shows the new premium, deductible and any change in subsidy. Plans picked during open enrollment replace the renewal, and the 2027 out-of-pocket cap rises to $12,000 for one person.

Wyoming this year

Wyoming has the smallest individual market in the country and very few Marketplace carriers. For 2027 the approved average increase is about 11.3 percent, a figure that changed little from the filings. Distances to a hospital are long everywhere, from Gillette and Rock Springs to the Yellowstone gateways. Energy contractors, ranching families, Jackson outfitters and Teton County remote workers make up much of the self-employed market. Many of them travel out of state for specialists, which a local network may not cover. With the enhanced subsidy gone, a household of two above $86,560 pays full price. Wyoming uses HealthCare.gov; a December 15 choice means coverage on January 1.

One thing to do before you choose

If you see a specialist in Denver, Salt Lake City or Billings, find out how your 2027 plan treats that visit before you renew. Then compare metal levels against the 2027 out-of-pocket ceiling of $12,000 per person. With so few carriers, a private plan with a national PPO network is often the only way to add choice; it is priced on age, ZIP code and health, needs approval, and can begin the first of any month if approved.

Your checklist

Your 2027 renewal notice, read line by line
Whether your plan is the same one or a replacement
Doctors and prescriptions in the 2027 plan
Last year's actual care, priced at each metal level

Private plan or Marketplace?

Private plan

Healthy and facing a big renewal: priced on age, ZIP code and health. Approval depends on health answers; not an ACA Marketplace plan.

Marketplace

Ongoing treatment, or a subsidy you still qualify for: stay with HealthCare.gov, but pick the 2027 plan yourself instead of auto-renewing.

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.

I'm a rancher in my early sixties. Is there anything special about my renewal?

Age drives Marketplace prices, so full-price premiums in your sixties are steep, and the 400 percent line matters a lot. Check your 2027 household earnings estimate carefully. If you are healthy, a private underwritten plan may be worth comparing, though age affects its price too. If you have ongoing conditions, the Marketplace is the right place to stay.

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.