You can still get a nationwide PPO in Wyoming through me. Here is how a Cody couple whose fly shop and guide business earns most of its money between June and September buys family coverage for the whole year.
Hi, I'm Sam Jaber. I work from Tampa as a broker licensed in 36 states, and Wyoming business owners set up their family coverage with me by phone.
The owners I'm thinking of run a fly shop and guide service in Cody. From June through September the shop is full of anglers headed for the Shoshone River and Yellowstone's east entrance, and they keep three seasonal guides busy. By late fall it's down to the two of them, some online sales and a few winter fly-tying classes. They have two kids in school, no group plan, and a HealthCare.gov renewal that showed a bigger number than last year. Their question: how do you buy twelve months of coverage on a business that makes its money in four?
The Park County marketplace carries 23 individual medical plans for 2026, split between two companies: one sells the 11 PPOs, the other the 12 EPOs. On silver pricing the PPO edges ahead, landing 2% below the EPO when you price a 40-year-old with no credit applied.
A nationwide PPO is also still available in Wyoming through me. It's sold privately, priced after a health review, and its network doesn't end at the Montana line or the park boundary.
The marketplace wants your household's net income for the whole coverage year, so you estimate from the full calendar, not the busy months. For a guide business that's sales and trip fees minus inventory, guide wages, permits, insurance, boats, trucks and fuel.
Then the price. KFF's 2026 average benchmark silver premium for a 40-year-old in Wyoming is the second highest among the states and DC, up 25.1% from 2025. The credit is figured from that same benchmark, minus a required contribution set by your income, so when the benchmark climbs and your income doesn't, the credit generally climbs too. The help generally applies between 100% and 400% of the federal poverty level.
For a family in the credit range, the bigger renewal number may shrink a lot once the credit is applied, so look at the after-credit price before you drop anything. Then compare plan types. In Park County the silver PPO costs a little less than the silver EPO, and the PPO still pays something outside its network, at a higher cost to you, where an EPO generally doesn't outside an emergency. For most families that makes the PPO the better buy. The exception is a family whose doctors are only in the EPO company's network.
Next step: Send me last year's numbers from the shop and your family's doctors, and I'll price Park County's PPO and EPO after the credit.
When the season lifts household income beyond four times the poverty line, the credit disappears, and you'd pay Wyoming's full price for a family of four. Price a private nationwide PPO before you renew. Everyone on the application answers health questions, and the insurer can approve the household, exclude one condition, or decline someone. Healthy families often come in under the unsubsidized marketplace price, and I'll go over every benefit with you first.
Next step: Call me in the fall once the season's numbers are in, and I'll set a private PPO quote against Park County's unsubsidized plans.
That person belongs on a marketplace plan, because those plans take everyone at the same price regardless of health. Some families split the household, with the healthy members on a private plan, and whether that saves money depends on your ages and income. Make sure the network you choose includes the doctors you already see in Cody or Billings.
Next step: List the doctors and prescriptions involved, and I'll price Park County plans that keep them, with and without a split.
A bad season can drag a year's income down hard, and Wyoming has no Medicaid expansion to catch it. KFF's January 2026 table lists parents in a family of three as eligible only up to 43% of the poverty level, and other adults can't qualify on income at all. Per HealthCare.gov, adults below 100% of the poverty level in a non-expansion state, who don't qualify for Medicaid another way, get no marketplace savings either. Build the estimate from what actually came in, and let's go over it together before it goes on the form.
Next step: If the season fell apart, talk to me before you renew, and we'll work through your real figure and your options.
Straight answers, no sales pitch.
Yes. KFF's average benchmark silver premium for a 40-year-old rose 25.1% from 2025 to 2026.
Generally, yes. It's figured from the benchmark silver plan minus a contribution tied to your income, so a higher benchmark usually means a larger credit.
Estimate net income for the whole coverage year, slow months included, not just the busy season.
Yes. A healthy owner, or a healthy family, can get one from me as a private plan off HealthCare.gov.
Tell me your town, the ages of everyone on the policy and roughly what the business netted for the family last year. I'll price Park County's plans after the credit and a private nationwide PPO, and give you my pick.
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