Wyoming open enrollment 2027 Open enrollment · Wyoming

Wyoming Open Enrollment 2027 for Small Business Owners

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

Short answer

For small business owners 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. Your own coverage can also come from a private, medically underwritten plan, which does not wait for the window: 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.

Group plans can renew at any point in the year, so open enrollment matters to owners for two reasons: an individual coverage HRA, or ICHRA, reimburses employees for individual plans they choose, and most of that shopping happens in this window; and an owner covering only the household buys in the individual market too. For your own household, the 2027 subsidy line is $63,840 for one person, $86,560 for two and $132,000 for four.

Wyoming this year

Wyoming's two markets are moving almost in step for 2027: final individual increases average about 11.3 percent, with small-employer renewals near 10 percent. That is good news for a state long known for premiums near the top nationally. Very few insurers offer individual coverage in Wyoming, and hospitals are far apart, so network reach often settles the question. For a Casper oil and gas contractor, a Gillette coal services company, a Jackson outfitting business or a ranch operation near Laramie, an ICHRA would let each employee choose a plan, but only from a short list.

Small-group plans in Wyoming average about 10% for 2027, against 11.2% to 11.3% for individual plans, so put this year's group renewal next to an ICHRA quote before you sign it.

One thing to do before you choose

Before moving staff to individual plans, check which hospitals each available plan includes in Cheyenne, Casper, Rock Springs and Jackson. For an owner insuring only a spouse and self, household earnings above $86,560, the 2027 subsidy line for two, mean paying the full individual premium, so compare private options too; they are not sold on the ACA Marketplace, and approval depends on how you answer health questions.

Your checklist

Your 2027 group renewal letter and its effective date
How many employees you have and where they live
A fixed monthly ICHRA budget you could offer
Your own household's coverage, priced separately

Private plan or Marketplace?

Private plan

For the owner's own household when everyone is healthy: priced on age, ZIP code and health. Approval depends on health answers; not an ACA Marketplace plan.

Marketplace

For employees on an ICHRA, or an owner with ongoing care: HealthCare.gov accepts everyone 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.

Can a worker leaving my small Wyoming business keep our group plan?

Wyoming requires insured group plans not subject to federal COBRA, generally employers under 20 employees, to provide 12 months of continuation after three months covered, with premiums up to 102 percent of group cost. A written request is due within 31 days.

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.