West Virginia has many affordable health insurance options. The federally facilitated Affordable Care Act’s www.healthcare.gov provides the open marketplace for plan details and pricing.
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How to Buy Health Insurance in West Virginia
Many people receive health insurance through an employer. If you do not receive health insurance benefits through your employer or the federal government, you can access the certified partner enrollment sites via www.healthcare.gov. The enrollment partners include Catch, CareSource, Stride Health, Go Health, TFA Benefits, HealthSherpa, TrueCoverage LLC, iWebQuotes, and Benefitnext.
There are three different options for insurance with varying costs and options. These are referred to as Bronze, Silver, and Gold tiers. For low-income residents, health insurance may be issued through Medicaid.
How to Apply for Health Insurance in West Virginia
Enrollment is simple and can be done through any of the state’s partner enrollment sites. Visit any partner sites, enter your demographic information, and explore the insurance options available to you. Select the plan that best suits your personal and medical needs.
Health Insurance Carriers In West Virginia
West Virginia has four health insurance carriers:
- Highmark Blue Cross Blue Shield West Virginia
- CareSource
- The Health Plan
- Aetna
West Virginia Health Insurance Costs Overview
West Virginia offers three tiers of health insurance – Bronze, Silver, and Gold.
As 2025 data is not yet available, we have used statistics from 2024 to reflect costs so you can have an idea of what to expect.
How Much Does Health Insurance Cost in West Virginia?
The average monthly health insurance premium in West Virginia is $919.
What is the Cheapest Health Insurance Plan in West Virginia?
The cheapest health insurance plan in West Virginia is the one that gives you the most coverage for your specific needs at the lowest cost. Enter your zip code below to find the plan that works best for you!
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Cheapest West Virginia Health Insurance Coverage by Metal Tier
As 2025 data is not yet available, we have used statistics from 2024 to reflect costs so you can have an idea of what to expect.
Note that all costs are 2025 pricing from KFF. (source)
Gold Plans
The average lowest cost premium of a Gold Plan in West Virginia in 2025 was $855.
Silver Plans
The average lowest cost premium of a Silver Plan in West Virginia in 2025 was $908.
Bronze Plans
For a Bronze plan, the average lowest premium in 2025 was $672.
Other Types of West Virginia Health Insurance Coverage
Catastrophic Health Insurance in West Virginia
During a 1999 regular legislative session, the James “Tiger” Morton Catastrophic Illness Commission was created to provide emergency coverage to those in dire need of health insurance coverage when other resources have been exhausted. Catastrophic health insurance plans can be shopped on the market exchange.
Short Term Health Insurance in West Virginia
Short-term health insurance is available in West Virginia. However, one should be aware that these short-term plans may not meet all of the requirements of plans part of the Affordable Care Act.
Low Income Health Insurance in West Virginia
Low-income West Virginia residents can apply for Medicaid.
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Sources:
Marketplace Average Benchmark Premiums, KFF, accessed 08/16/2023, https://www.kff.org/health-reform/state-indicator/marketplace-average-benchmark-premiums/?currentTimeframe=0&sortModel=%7B%22colId%22:%22Location%22,%22sort%22:%22asc%22%7D
Average Marketplace Premiums by Metal Tier, 2018-2025, KFF, accessed 08/16/2023, https://www.kff.org/health-reform/state-indicator/average-marketplace-premiums-by-metal-tier/?currentTimeframe=0&sortModel=%7B%22colId%22:%22Average%20Lowest-Cost%20Bronze%20Premium__2022%22,%22sort%22:%22desc%22%7D