Wyoming Health Insurance Consumer Guide

To qualify for health coverage through the Wyoming Marketplace, you must:⁶

• Live in Wyoming
• Be lawfully present in the United States
• Not be incarcerated
• Not be enrolled in Medicare

Eligibility for financial assistance in the form of premium subsidies and cost-sharing reductions depends on your income and how it compares with the cost of the second-lowest-cost Silver plan in your area – which depends on your age and location. In addition, to qualify for financial assistance with your Marketplace plan you must:

• Not have access to affordable health coverage through your employer. If your employer offers coverage but you feel it’s too expensive, you can use our Employer Health Plan Affordability Calculator to see if you might qualify for premium subsidies in the Marketplace. 
• Not be eligible for Medicaid or CHIP.

In Wyoming, you can sign up for an ACA-compliant individual or family health plan from November 1 to January 15 during open enrollment.⁷ 

If you need your coverage to start on January 1, you must apply by December 15. If you apply between December 16 and January 15, your coverage will begin on February 1.⁶

Outside of open enrollment, a qualifying event is necessary to enroll or make changes to your coverage. If you have questions about open enrollment, you can learn more in our comprehensive guide to open enrollment. We also have a comprehensive guide to special enrollment periods. 

To enroll in an ACA Marketplace plan in Wyoming, you can: 

• Visit HealthCare.gov – Wyoming’s health insurance Marketplace. Here you will find an online platform to compare plans, determine whether you’re eligible for financial assistance, and enroll in the plan that best meets your needs. 
• Purchase individual and family health coverage with the help of an insurance agent or broker, a Navigator or certified application counselor, or an approved enhanced direct enrollment entity.⁸

You can also call HealthCare.gov’s contact center by dialing 1-800-318-2596 (TTY: 1-855-889-4325). The call center is available 24 hours a day, seven days a week, but it’s closed on holidays.

Wyoming residents use the federally run enrollment platform – HealthCare.gov – to shop for individual and family health plans.

As of 2023, about 90% of Wyoming Marketplace enrollees, saved money on their premiums through subsidies. The average subsidy savings was $873/month, providing an average after-subsidy premium of $97/month.⁹

The Affordable Care Act provides income-based advance premium tax credits (subsidies) that offset your premium payments to help keep your expenses down. People with household incomes below 250%of the federal poverty level also qualify for cost-sharing reductions (CSR) that may reduce your deductibles and out-of-pocket expenses when you buy a Silver plan. Between the premium subsidies and cost-sharing reductions, you may find that an ACA plan is the cheapest health insurance option for you.

Source: CMS.gov¹⁰

Two insurers that offer 2023 exchange plans in Wyoming:¹¹

• Blue Cross Blue Shield of Wyoming
• Mountain Health CO-OP (Montana Health CO-OP)

Throughout most of Wyoming’s counties, at least one carrier is offering exchange health plans for 2023.¹²

Wyoming’s Marketplace insurers have proposed the following rate changes for 2024:¹¹

Source: HealthCare.gov¹¹

When we talk about overall average rate changes, however, we have to keep in mind that they only reflect how full-price premiums change from one year to the next. They don’t account for subsidies or for the fact that a person’s rates will increase each year based on their age, even if their insurer doesn’t change its average premiums at all.

Most enrollees in Wyoming’s exchange receive premium subsidies, which offset the majority of the cost of their coverage.⁹

In the open enrollment period for 2023 coverage, over 37,000 people enrolled in a health plan through the Wyoming ACA Marketplace.⁹ This marked the third year in a row the Wyoming Marketplace reached record-high Marketplace enrollment.

The surge in enrollment during these years was due in part to the American Rescue Plan (ARP) which made ACA’s premium subsidies more substantial. Under the ARP – now extended by the Inflation Reduction Act – subsidies are more significant and accessible through the end of 2025.¹³

Source: 2014,¹⁴ 2015,¹⁵ 2016,¹⁶ 2017,¹⁷ 2018,¹⁸ 2019,¹⁹ 2020,²⁰ 2021,²¹ 2022,²² 2023,⁹ 2024²³

HealthCare.gov
800-318-2596

Wyoming Insurance Department
Provides consumer protection and support to Wyoming residents by investigating consumer complaints and resolving issues on insurance matters.
(307) 777-7401 / Toll Free: 1-800-438-5768 / [email protected]

State Exchange Profile: Wyoming
The Henry J. Kaiser Family Foundation overview of Wyoming’s progress toward creating a state health insurance exchange.