Wyoming open enrollment 2027 Open enrollment · Wyoming

Wyoming Open Enrollment 2027 for Self-Employed

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

Short answer

For self-employed people and 1099 contractors 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. A private, medically underwritten plan does not wait for the window: if approved, it can start the first of any month, which suits income that never arrives on a schedule.

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 subsidy line for 2027 sits at 400% of the federal poverty level: $63,840 for one person and $86,560 for two. For self-employed people the income that counts is net business income after expenses, plus any other household income, and a strong fourth quarter can carry you over the line. Starting with tax year 2026 there is no cap on repaying excess advance credit, so estimate carefully. General information, not tax advice — confirm with your CPA based on your specific entity structure.

Wyoming this year

Wyoming's approved 2027 increase, about 11.3 percent on average, sits under the national average and is a relief in a state with some of the priciest coverage in the country. Very few insurers sell here, and the long distances between hospitals in Cheyenne, Casper, Jackson and smaller towns make the network the deciding factor. Wyomingites enroll through HealthCare.gov, and the December 15 deadline applies if you want coverage from January 1. Oil, gas and coal contractors, cattle ranchers, Jackson and Yellowstone-gateway guides, I-80 truckers and Teton County remote workers who are older and earn past the subsidy line still pay some of the highest unsubsidized premiums anywhere.

Work I see most often among Wyoming's self-employed buyers: 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.

One thing to do before you choose

For Wyoming ranchers and seasonal guides, the earnings estimate matters more than the rate change. Add up a realistic full year of net earnings, then compare it with the 2027 limit for your household, such as $86,560 for a couple. Over that line, every dollar of premium is yours, so private coverage rated on health and age is worth pricing. Approval follows a medical questionnaire, and such a plan is sold outside the ACA exchange.

Your checklist

Your Wyoming renewal notice and its 2027 price
A net income estimate with a cushion
Doctors and prescriptions in each network
A private quote if you are healthy and near the line

Private plan or Marketplace?

Private plan

Healthy and above the line: priced on age, ZIP code and health, not income. Approval depends on health answers; not an ACA Marketplace plan.

Marketplace

A health condition or income under the line: HealthCare.gov must accept you, and the subsidy may make it the better value.

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 ranch outside Gillette. With so few insurers in Wyoming, is there anything to compare?

Yes, even with so few insurers. Compare metal levels and check which Gillette or Casper hospitals each network includes. For a healthy rancher, an underwritten private policy is one more option beyond the Marketplace, though the insurer must approve your health history and benefits vary by 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.