2026 changes in health care costs

Open Enrollment is soon: A Look at Changes in the ACA Health Insurance Marketplace 


What You Need to Know

With health care costs expected to increase we’re here to help you navigate what’s ahead. At Blue Cross Blue Shield of Wyoming, we offer quality care close to home and a nationwide network of providers, backed by the security of the Cross and Shield.

Why Health Care Costs Are Changing

There are many factors outside your control that affect what you pay for health care — and many of these are beyond BCBSWY’s control too. Here’s a look at what’s driving changes for individual Health Insurance Marketplace Affordable Care Act (ACA) plans in 2026, and how we can help:

important factors impacting health insurance costs:

1. Fewer healthy people in the marketplace

When healthier individuals leave the ACA Marketplace, those who remain often require more care — driving up costs for everyone.

2. Loss of extra help (enhanced premium tax credits expiring)

Since 2021, many people have benefited from enhanced premium tax credits to reduce the cost of health insurance plans. These extra savings are set to expire in 2026.

3. New rules that may affect eligibility

Federal regulations taking effect in 2026 may change who qualifies for ACA plans. If fewer healthy people remain in the market, costs could rise for others.

4. Rising medical and prescription costs

Health care costs — including hospital services, outpatient care, and medications — continue to climb. Experts project 2025 will see the highest medical cost growth in over a decade. Understanding these factors can help you prepare and make confident decisions about your health coverage.

What We’re Doing to Help

We’re building health care that works for you.

  • Putting Members First

    As a purpose-driven, not-for-profit health insurer, we’re focused on advancing care for Wyoming.
  • Improving Access to Care
    We’re offering $10 copay plans for virtual care visits for urgent care and behavioral health.
  • Supporting You When It Matters Most

    Our member service team is here to help you understand your options and get the care you need.
  • Helping You Save Money

    We’re simplifying how members navigate care and providing tools to make informed, cost-saving decisions.
  • Listening to Our Communities

    We’re investing in key issues like youth mental health to improve care across Wyoming.

What’s Next

We know change can be hard — but you’re not alone. We’ll continue sharing updates as we approach 2026. In the meantime, you can:

  • Find an informational event near you
  • Text Enroll at 222777
  • Stop by one of our eight Member Centers for personalized help

Because you deserve care that’s simple, affordable, and built around your needs.

Coming in 2026: Know What to Expect. Be Ready to Act.

Stay tuned this fall for updated plan and premium information when open enrollment begins on November 1, 2025.

Informational events

Learn more about ACA changes at one of our informational events. Find an event near you.

Health care glossary

We know health insurance terms can be confusing. Click here to view our glossary of terms.

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