Find Affordable Coverage in Wyoming
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Wyoming ACA Marketplace Overview
In 2026, approximately 18,000 Wyoming residents are enrolled in ACA Marketplace coverage. Wyoming uses the federal exchange, Healthcare.gov for health insurance enrollment.
Wyoming has not expanded Medicaid under the ACA. Adults in the coverage gap (earning too much for Medicaid but too little for Marketplace subsidies) may have limited options.
How Much Does ACA Coverage Cost in Wyoming?
The benchmark Silver plan (second-lowest-cost Silver plan) in Wyoming costs approximately $568/month before subsidies in 2026. However, most Wyoming residents who qualify for premium tax credits pay significantly less.
- $0/month premium: Possible for Wyoming households earning up to 150% of the Federal Poverty Level
- Low premiums: Households earning up to 400% FPL qualify for substantial subsidies
- Above 400% FPL: Still eligible if the benchmark plan exceeds 8.5% of household income
Use our ACA Subsidy Calculator to estimate your specific monthly costs based on your Wyoming household income.
Top ACA Health Insurance Companies in Wyoming
The following carriers offer ACA Marketplace plans in Wyoming for 2026:
- Blue Cross Blue Shield
Plan availability varies by county in Wyoming. Use Healthcare.gov to see exact plans available in your ZIP code.
ACA Plan Tiers Available in Wyoming
- Bronze: Lowest premiums, highest deductibles. Best for healthy Wyoming residents who rarely need care.
- Silver: Mid-range. Strongly recommended for Wyoming households earning 100–250% FPL — Silver plans unlock Cost-Sharing Reductions that significantly lower deductibles and copays.
- Gold: Higher premiums, lower out-of-pocket. Best for Wyoming residents who use healthcare frequently.
- Platinum: Highest premium, lowest cost per service. Available in most Wyoming counties.
When to Enroll in Wyoming
- Open Enrollment: November 1 – January 15 on Healthcare.gov
- January 1 coverage: Enroll by December 15
- February 1 coverage: Enroll by January 15
- Special Enrollment: Available year-round if you lose job-based coverage, move, get married, or have a baby
Wyoming Insurance Resources
- Healthcare.gov — Official Wyoming enrollment portal
- Wyoming Department of Insurance — Plan complaints and consumer protection
- Complete ACA Guide — Full explanation of ACA Marketplace rules
- Subsidy Calculator — Estimate your 2026 premium tax credit