Wyoming Open Enrollment 2027 for People Over the Subsidy Line
Last updated November 3, 2026 · By Frank Caballero, licensed health insurance broker
Short answer
For people earning over the subsidy line 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. Above the line, a private, medically underwritten plan is priced on health instead of income, and 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.
The 2027 subsidy line is 400% of the federal poverty level: $63,840 for one person, $86,560 for two, $109,280 for three and $132,000 for four. One dollar over it and every Marketplace plan in Wyoming is full price, at every metal level, with an out-of-pocket cap of $12,000 for one person and $24,000 for a family.
Wyoming this year
Wyoming has the smallest individual market in the country, with very few Marketplace carriers, and the final average increase for 2027 is 11.3%, approved essentially as filed. In a market that small, buyers above the subsidy line have little to choose from and pay the whole premium. That group includes remote workers and business owners in Teton County, energy consultants in Gillette and Rock Springs, outfitters and guides around Jackson after a strong season, and ranching families near Casper and Cheyenne. Hospitals are a long drive almost everywhere. Enrollment is through HealthCare.gov: choose by December 15 for January 1, and before January 15, 2027.
One thing to do before you choose
In Wyoming, start by mapping where you'd actually go for a serious illness or injury, and how far away it is. Check that hospital against every plan you compare. With so few Marketplace carriers, adding a private plan gives you one more network to weigh. Private plans are medically underwritten, priced on age, ZIP code and health, and can take effect the first of a month if approved. They aren't ACA plans, and benefits vary by plan.
Your checklist
- How far above the line your 2027 household income will land
- The full-price Wyoming premium at each metal level
- Everyone's health, for a private quote
- Doctors you want to keep, checked in every network
Private plan or Marketplace?
Private plan
Healthy and well above the line: priced on age, ZIP code and health instead of earnings. Approval depends on health answers; not an ACA Marketplace plan.
Marketplace
Ongoing care, or income you can bring back under the line: HealthCare.gov must accept you, and below the line the subsidy returns.
Compare Wyoming plans this open enrollment
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), 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 guide in Jackson and earn most of my money in four months. How do I estimate my income?
Add up what you expect for all of 2027, not a monthly average from your busy season. If that total is near $63,840 for one person, small changes decide whether Marketplace help applies. If it's well above, you're comparing full-price options, and a private plan priced on health is one to look at.
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
- Wyoming open enrollment 2027: dates and options
- Wyoming open enrollment for self-employed
- Wyoming open enrollment for families
- Wyoming open enrollment for early retirees
- Wyoming open enrollment for small business owners
- Wyoming open enrollment for people between jobs
- Wyoming open enrollment for individuals
- Wyoming open enrollment for marketplace renewals
- Private health insurance in Wyoming
- Wyoming health insurance quotes
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.