What does employer health coverage cost in Wyoming?

Wyoming, by the filings

What did regulators approve for Wyoming?

Every figure below comes from the filings insurers submitted to regulators. The 2027 numbers are what regulators approved, not what insurers asked for.

What it means for a Wyoming employer

Your renewal is a number. What are you allowed to change about it?

An approved 17.2% sits above the national median of 14.8%. The market number isn't your number, though. Two Wyoming employers the same size can land 20% apart on the same filings.

The Wyoming-specific read: group plans cost less per member per month here, so a CHOICE Arrangement isn't the obvious choice. What Wyoming does have is out-of-network coverage still on the shelf, which means the door stays open if your census makes the math work.

Where the money actually is at these rates: not the plan type, the design changes inside it. Sourcing 2,000+ medications at a $0 copay for the whole household. Unlimited virtual primary and behavioral care so a $0 visit replaces an urgent care trip. A supplemental layer that pays the employer back every pay period instead of adding a line item.

Those have landed at $2,000+ per employee per year in real client projects, with about $988 per employee per year in new cashflow on top of that and independent of it. About $100K per year for every 50 people. $0 upfront, billed out of savings, live in 30 to 45 days. Same broker, same doctors, same cards.

Compare the 12 plan designs  ·  All 50 states and DC  ·  PPO availability by county  ·  Benchmark your cost

If your Wyoming renewal came back flat instead of 17.2%, what would you put the difference into first?

Results vary by group size, plan design, and utilization.

Sounds concerning? You have options.

So what are the actual options in Wyoming?

Wyoming still has out-of-network coverage on the shelf, so nothing here is closed off. The question isn't whether you have options. It's which one costs less on your census.

Here's the part that isn't anyone's fault. The systems that surface plan options only surface what's already inside them. The marketplace shows you what insurers filed for the marketplace. Your broker shows you the markets their appointments reach. Both are doing their job. Neither one can show you what sits outside it.

99% of the brokers we talk to have never had visibility to our programs. They sit outside their commissioned channels.

Why the ranges are keyed to what you run today and not to a product name: that's how they were measured. Every range above comes from completed client projects, grouped by the employer's starting point. We don't publish a savings percentage next to "level-funding" or "captive" as a category, because nobody measured a category. If you see a number like that anywhere, ask what it was measured on.

$0 upfront. Billed out of savings. Live in 30 to 45 days. Same broker, same doctors, same cards. First-year ROI has landed at 10 to 16x across completed projects.

Compare all 12 plan designs  ·  Benchmark your own cost  ·  Get it priced on your census

If one of these came back at the low end of its range for your Wyoming group, which line in your budget would you want it to pay for first?

Ranges are what we have observed across completed engagements. They are not a guarantee, not a quote, and not an offer of coverage. Your result depends on group size, plan design, census, and utilization.

Questions Wyoming employers ask

How much are health insurance rates going up in Wyoming in 2027?

Regulators approved a median 17.2% increase on marketplace plans in Wyoming and 10.0% on employer group plans for 2027. The national median across all individual market filings is 14.8%. Individual insurer approvals in Wyoming range from 9.2% to 25.3%. Insurers had asked for 17.4%.

Is a PPO available in Wyoming on the marketplace?

Yes. A PPO is filed in all 23 Wyoming counties for 2026, so out-of-network coverage is purchasable statewide. In 18 states no county has a PPO or POS plan at all.

What does a silver plan cost in Wyoming?

The lowest cost silver plan for a 40-year-old non-smoker runs $1,103 per month in a typical Wyoming county for 2026, ranging from $1,026 to $1,103 across counties, before any subsidy. The lowest cost PPO silver plan runs about $1,103.

Do I have to offer health insurance if I have fewer than 50 employees in Wyoming?

Not under federal law. The ACA employer rule starts at 50 or more full-time employees, counting full-time equivalents and averaged over the prior year. Below that line it’s a choice rather than an obligation. Hawaii is the national exception: it requires coverage for anyone working 20 or more hours per week, with no headcount minimum at all. Some states run an employer assessment that helps fund public coverage, Massachusetts among them, which is a payroll charge rather than a requirement to offer a plan.

What are my options in Wyoming with fewer than 50 employees, and what changes above 50?

Under 50, the designs that carry no headcount minimum are open to you: a CHOICE Arrangement (formerly ICHRA), QSEHRA, shelf-rated (flat-rate) guaranteed issue plans, and the supplemental layers that sit on top of whatever you already have. Level-funded generally opens up in the tens of lives. At 50 and above, self-funding, a captive and reference-based pricing come into range, and the ACA reporting obligations begin. A MEC-only plan is the cheapest way to clear the larger penalty, and worth comparing against a bronze-level design before you choose it. The usual surprise is how much is available below 50, not how little.

What’s my best option in Wyoming?

It depends, and the honest version of that answer is a short list of variables rather than a product. Headcount, your workforce ages, whether anyone is mid-treatment, whether you want your claims data back, and what you can fund per employee. The range is wide: shelf-rated guaranteed issue plans, which price everyone the same regardless of age and can run alongside your existing plan rather than replacing it, bundles carrying $0 copays on prescriptions, telehealth and behavioral health, high-deductible designs with first-dollar coverage, and combinations in between. If you’d like a look at your specific situation, you can reach us here.

Do you have people in more than one state?

Filings, premiums and PPO availability all change at the state line, so a census that crosses one gets priced state by state rather than on a national average. These are the states nearest Wyoming, each with the same figures.

Colorado employer health plan costs  ·  Idaho employer health plan costs  ·  Montana employer health plan costs  ·  Nebraska employer health plan costs  ·  South Dakota employer health plan costs  ·  Utah employer health plan costs

All 50 states and DC  ·  PPO availability by county  ·  Plain-English glossary

Where these Wyoming numbers come from

Rate changes are the midpoint of what regulators approved for each insurer in Wyoming, from the CMS rate review service, pulled November 1, 2026. All 4 Wyoming filings for 2027 carry a final determination. County premiums are the lowest cost plan per metal level for a 40-year-old non-smoker before any subsidy, from the CMS marketplace plan and rate files for plan year 2026, covering all 23 Wyoming counties.

The marketplace versus group cost comparison uses the 2026 average premium per member per month from the insurers’ own filings on both sides, weighted by enrollment. It is an average across each plan’s enrolled mix, not a same-metal, same-plan-type quote. Plan-type availability counts every marketplace plan filed in every Wyoming county and asks whether any of them is a PPO or POS, because the split that matters is whether a doctor outside the network is covered at all. Off-marketplace plans are counted separately, at state level, from the insurers’ 2026 rate filings.

Nothing here is a quote.