West Virginia Health Insurance Carriers for 2026
These are the insurers selling individual and family health plans in West Virginia for 2026, and where to buy them.
The West Virginia individual market in 2026
West Virginia's individual market is small. For 2026, two insurers sold Marketplace plans, Highmark Blue Cross Blue Shield West Virginia and CareSource, and full-price rates rose about 12% on average. CareSource is leaving after 2026, and for 2027 the choices are Highmark and newcomer Peak Health.
Insurers selling individual plans in West Virginia
| Insurer | Sells Marketplace plans | Notes |
|---|---|---|
| Highmark Blue Cross Blue Shield West Virginia | Yes | The largest individual-market insurer in the state; its 2026 rates rose 13.9% on average, it is returning for 2027, and it requested an average 18.3% increase for 2027. |
| CareSource | Yes | Sold Bronze through Platinum Marketplace plans for 2026, including chronic-condition plans for diabetes and heart health, but it is leaving West Virginia's individual market at the end of 2026, so its members must choose a new plan for 2027. |
| Peak Health | Yes | A Morgantown-based plan owned by WVU Health System, Marshall Health Network and Valley Health that offers Bronze, Silver and Gold individual plans for 2027 (new to the individual market for 2027). |
Not every insurer sells in every county. Your ZIP code determines which plans you can buy.
West Virginia questions
Don’t see your question? Ask a licensed agent or call (888) 214-4898.
For 2026, Highmark Blue Cross Blue Shield West Virginia and CareSource sold Marketplace plans. For 2027, CareSource is leaving, Highmark returns, and Peak Health, based in Morgantown, is offering Bronze, Silver and Gold plans.
CareSource is leaving West Virginia's individual market at the end of 2026, so you need to pick a new plan during open enrollment, November 1, 2026 to January 15, 2027. Enroll by December 15 to avoid a gap on January 1.
Highmark asked for an average increase of 18.3% for 2027 full-price premiums. If you get a tax credit, your own change depends on the benchmark plan in your county, so compare plans again this fall.
Sources
Reviewed October 2026. Rules and prices change every year; a licensed agent will confirm what applies to you.
- HealthCare.gov: Dates and deadlines
- HealthInsurance.org: West Virginia health insurance marketplace (updated Sept. 30, 2026)
- KFF: Number of issuers participating in the individual Marketplace
- ACASignups: 2027 rate changes, West Virginia
- ACASignups: West Virginia posts (2026 rate changes)
- CareSource West Virginia: Marketplace plans
- Peak Health: Individual (ACA) plans
