Wyoming Cliff Calculator — 2026 ACA Subsidy

By Severance Calculator Editorial · Updated

Wyoming Marketplace: HealthCare.gov

Wyoming uses a federally-facilitated marketplace (FFM) called HealthCare.gov. Wyoming residents enroll at HealthCare.gov.

Medicaid in Wyoming: Wyoming Medicaid

Wyoming has not expanded Medicaid under the ACA. Adults above the pre-ACA income limit and below 100% FPL may fall into a coverage gap — they earn too little to qualify for marketplace subsidies (which start at 100% FPL) but do not qualify for Medicaid.

2026 SLCSP Benchmark Premiums (Wyoming)

Statewide average monthly second-lowest-cost Silver plan (SLCSP) premiums by age. Actual premiums vary by rating area.

Age2130405060
Monthly SLCSP$600$680$766$1,070$1,626

2026 ACA Cliff Thresholds by Household Size (Wyoming)

MAGI above these amounts zeros out the federal Premium Tax Credit. FPL region: contiguous48.

Household size12345
400% FPL cliff$62,600$84,600$106,600$128,600$150,600

Key Facts: Wyoming ACA

Wyoming is one of 10 states that has not expanded Medicaid under the ACA as of 2026. As healthinsurance.org confirms: 'Wyoming has not yet expanded Medicaid eligibility under the ACA' — and the site notes: 'there is a coverage gap in the state: Non-disabled adults under age 65 who don't have children are ineligible for both Medicaid and Marketplace subsidies if their income is below the poverty level.' Wyoming's coverage gap is small in absolute terms (Wyoming is the least populous state) but significant for the affected individuals.

Wyoming uses HealthCare.gov (FFM) for marketplace enrollment. Wyoming has the highest benchmark SLCSP premiums of any state alongside Vermont (age 40: $766/month statewide average), reflecting Wyoming's highly rural geography, small insurer pool, and generally older, sicker risk pool. Despite high benchmark premiums, federal PTCs set the household's required contribution as a percentage of income, so the premium magnitude primarily affects those without PTCs — including households above the 400% FPL cliff. Wyoming has no state-funded premium subsidy backfill for 2026.

Calculate your Wyoming ACA cliff

Inputs default to Wyoming; adjust to your household specifics. Cliff = $62,600 (HH=1) / $128,600 (HH=4).

Your situation

Member ages
self

Coverage

Income

You're under the cliff

100%138%200%300%400%

You are at 319% of the federal poverty level.

Annual PTC
$4,212
$351 / month
MAGI headroom before cliff
$12,600
until you hit 400% FPL

PTC dollar values use a state-level SLCSP estimate; verify your exact second-lowest-cost Silver plan on healthcare.gov for your zip.

Primary Sources

  1. healthinsurance.org — Wyoming Medicaid non-expansion
    “Wyoming has not yet expanded Medicaid eligibility under the ACA”
  2. healthinsurance.org — Wyoming coverage gap
    “there is a coverage gap in the state: Non-disabled adults under age 65 who don't have children are ineligible for both Medicaid and Marketplace subsidies if their income is below the poverty level.”

FAQ — Wyoming ACA Cliff

What is the 2026 ACA subsidy cliff in Wyoming?
For a household of 1, MAGI above $62,600 (400% of the 2025 FPL contiguous-48 base) zeros out the federal Premium Tax Credit under IRS Rev. Proc. 2025-25. Household of 4: $128,600. Wyoming has no state subsidy backfill, so crossing this threshold eliminates all premium assistance.
Did Wyoming expand Medicaid?
No — Wyoming has not expanded Medicaid under the ACA and is one of 10 remaining non-expansion states as of 2026. Adults qualify for Wyoming Medicaid only under traditional categorical eligibility: parents of dependent children at very low income thresholds, pregnant women, children, and people with disabilities. Non-elderly adults without children who are not disabled do not qualify for Wyoming Medicaid.
What is the coverage gap in Wyoming?
The coverage gap affects adults who earn below 100% FPL ($15,650/year for a single adult in 2025) — too little to qualify for federal marketplace PTCs, which begin at 100% FPL, yet ineligible for Wyoming Medicaid under traditional criteria. Wyoming's coverage gap is relatively small in absolute terms given its low population but represents a serious affordability barrier for affected individuals.
How do I enroll in 2026 coverage in Wyoming?
Wyoming uses HealthCare.gov (the federally facilitated marketplace) for marketplace enrollment. Open enrollment runs November 1 through January 15. Wyoming Medicaid accepts applications year-round at wyomingmedicaid.wyo.gov for those who qualify under traditional eligibility.
Does Wyoming have a state subsidy on top of the federal PTC?
No — Wyoming has no state-funded premium subsidy backfill in 2026. Residents rely solely on the federal Premium Tax Credit. When the ARPA-enhanced subsidies expired at end of 2025, Wyoming took no state legislative action to backfill the lost assistance.
How is SLCSP calculated for Wyoming?
The 2026 statewide SLCSP age-band averages for Wyoming are: Age 21: $600/mo, Age 30: $680/mo, Age 40: $766/mo, Age 50: $1,070/mo, Age 60: $1,626/mo. Wyoming has among the highest benchmark premiums in the country due to small insurer competition and rural geography. Federal PTCs set your contribution as a percentage of income regardless of premium level, so high SLCSP primarily affects those without PTCs (above the 400% FPL cliff).
Can I reduce my MAGI to stay below the 2026 cliff in Wyoming?
Yes — common strategies include maximizing HSA contributions, deductible IRA or SEP-IRA/Solo 401(k) contributions if self-employed, harvesting capital losses, and deferring Roth conversions. Because Wyoming has no state subsidy above 400% FPL and has the highest benchmark premiums in the country, staying below the federal cliff has an especially large dollar impact in Wyoming.

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