Health insurance for West Virginians who buy their own.
We help West Virginians who buy their own coverage, from Charleston to Morgantown, compare Marketplace plans, Medicaid, and other options after a job loss, during self-employment, or before Medicare.
West Virginia plans we compare
What’s different about health insurance in West Virginia.
Every state runs its individual market a little differently. These are the rules that matter most if you buy your own coverage here.
Read the West Virginia FAQ- Full-price premiums are among the highest in the country: the 2026 benchmark Silver plan averaged $1,073 a month for a 40-year-old.
- The enhanced federal tax credits ended after 2025, so the subsidy cliff at 400% of the poverty level is back for 2026 and 2027.
- CareSource is leaving the individual market after 2026; Highmark returns and Peak Health is new for 2027.
- Medicaid is expanded to adults up to 138% of the poverty level, with work or activity rules starting January 1, 2027.
- State law lets laid-off workers keep group coverage for up to 18 months, which helps at employers too small for COBRA.
- Open enrollment for 2027 runs November 1, 2026 to January 15, 2027; enroll by December 15 for a January 1 start.
However you got here, there’s a better plan than the first one you were offered.
Leaving a job, or staring at a COBRA bill
Compare COBRA and West Virginia's own continuation rules with Marketplace plans and everything else you qualify for.
Compare your options
Retired before 65
Bridge the years to Medicare without draining savings.
Learn more
Self-employed or 1099
Solid coverage, manageable premiums, and the tax deduction most people miss.
Learn moreLooking beyond the Marketplace
Health sharing and other non-ACA options, with the trade-offs explained.
Learn moreNeed coverage for a short gap
What short-term coverage looks like in West Virginia, and what to use instead.
Learn moreWho sells plans in West Virginia
Every insurer offering individual and family plans for 2026.
Learn moreFrom first conversation to coverage in three steps.
- 1
Tell us your situation
Share your ZIP, age, budget and the doctors you want to keep. Online or by phone, with no commitment.
About 5 minutes - 2
We compare every option
A licensed agent checks the plans sold in your county for premiums, deductibles, networks and prescriptions.
Usually within 1 business day - 3
Enroll with confidence
See your best matches side by side. Pick one and we handle the enrollment, then stay with you for renewals.
We handle the paperwork
Straight answers before you call.
More in our West Virginia FAQ, or ask an agent at (888) 214-4898.
West Virginia uses the federal Marketplace at HealthCare.gov, not a state-run exchange. Open enrollment for 2027 coverage runs November 1, 2026 to January 15, 2027, and you need to enroll by December 15 for coverage that starts January 1.
Full-price premiums here are among the highest in the country. KFF puts the 2026 benchmark Silver plan at an average of $1,073 a month for a 40-year-old, compared with $625 nationally. Most enrollees get a tax credit that covers a large share of that.
No. The enhanced premium tax credits expired at the end of 2025, and no extension has passed. Help is again generally limited to households between 100% and 400% of the poverty level, and payments went up for many people.
See what you'd actually pay.
A licensed agent will compare plans from every insurer in your West Virginia county, check your subsidy, and walk you through the options. No cost, no obligation.