2021 Affordable Health Insurance Plans in West Virginia

West Virginia has many affordable health insurance options. The federally facilitated Affordable Care Act’s healthcare.gov provides the open marketplace for plan details and pricing. As part of the federal COVID-19 support efforts, open enrollment was extended to August 15, allowing additional time to research pricing and plan options.

Highlights and Updates

  •       West Virginia has a federally facilitated marketplace that utilizes certified partner websites for enrollment. For a list of certified enrollment partners, visit healthcare.gov/direct-enrollment.
  •       West Virginia’s short-term health insurance aligns with federal guidelines and is available for up to 36 months.
  •       The average monthly benchmark premium cost in West Virginia is $654.
  •       There are four health insurers offering coverage through private exchanges in West Virginia – Highmark Blue Cross Blue Shield West Virginia, CareSource, The Health Plan, and Aetna.
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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 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

What are the Cheapest Health Insurance Companies in West Virginia?

With only four health insurers in West Virginia, competition is somewhat limited. The cheapest insurance carrier for 2021 is CareSource.

How has Obamacare Helped West Virginia’s Uninsured?

West Virginia supported healthcare reform by expanding its state Medicaid program and an auto-enrollment process to flag individuals receiving government assistance to advocate additional Medicaid coverage to individuals in need.

The public exchange assisted in reducing the uninsured residents of West Virginia from 17% to 7.9%, based on a 2015 National Health Survey.

West Virginia Health Insurance Costs Overview

West Virginia offers three tiers of health insurance – Bronze, Silver, and Gold.

How Much Does Health Insurance Cost in West Virginia?

The average monthly health insurance premium in West Virginia is $654.

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What is the Cheapest Health Insurance Plan in West Virginia?

The cheapest health insurance plan in West Virginia is CareSource’s Bronze plan, which averages a $426 monthly premium and an $8,550 deductible.

Cheapest West Virginia Health Insurance Coverage by Metal Tier

Gold Plans

CareSource Marketplace Gold is the most affordable Gold plan. The premium is $689 per month. The deductible is $2,000, and the out-of-pocket maximum is $6,500.

Silver Plans

CareSource Marketplace Low Premium Silver is the lowest-cost Silver plan, with a premium of $451 per month. The deductible is $6,000, and the out-of-pocket maximum is $8,550.

Bronze Plans

The most affordable Bronze plan is CareSource Marketplace Bronze, with monthly premiums of $426, a $7,700 deductible, and an $8,550 out-of-pocket maximum.

West Virginia Health Insurance Costs by Occupation

What is the Average Cost of Health Insurance for a Student in West Virginia?

The Affordable Care Act made it possible for students to stay on their parent’s health insurance policy until 26. However, if you cannot stay on a parent’s health insurance policy, many schools in West Virginia offer health insurance options.

What is the Average Cost of Health Insurance for the Self-Employed In West Virginia?

Self-employed individuals can sign up for a health insurance coverage plan on the federal marketplace.

What is the Average Cost of Health Insurance for Small Business Owners in West Virginia?

Small business owners in West Virginia may enroll in Small Business Health Options Program (SHOP) on the marketplace to select affordable rates for themselves and their employees. The costs vary but start at $175.18 per month. Some employers may also qualify for a tax credit of up to 50% of the employer’s contribution.

West Virginia Health Insurance Costs by Number of Participants

What is the Average Cost of Health Insurance for Families in West Virginia?

Health insurance rates may vary. The average monthly premium for a family of four is approximately $2,220. That number can vary based on the number of participants and income.

What is the Average Cost of Health Insurance for Individuals in West Virginia?

The cost of health insurance for a 40-year-old is between $451 and $658.

What is the Average Cost of Health Insurance for a Child in West Virginia?

West Virginia’s Children’s Health Insurance Program (WV CHIP) provides free or low-cost premiums to children under the age of 19 in need of health insurance. This program is income-based. Income requirements can be viewed at welfareinfo.org

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 or Temporary 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 the requirements of Obamacare plans.

Low-Income Health Insurance in West Virginia

Low-income West Virginia residents can apply for Medicaid.

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