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ACA Health Insurance Coverage Options in West Virginia
West Virginia uses the federal HealthCare.gov Marketplace for ACA health insurance. Review coverage options and enrollment information for West Virginia residents.
The new 2027 plans become available November 1, 2026. Call 855-367-1095 now to get a sneak peek at the new plans before then, and we will have your options ready the day they open.
Medicaid is a government program that gives free or low-cost health coverage to people with limited income, such as some adults, children, pregnant women, seniors and people with disabilities. Each state runs its own Medicaid program and decides who qualifies. We are an independent insurance agency, and we cannot enroll you in Medicaid or check your Medicaid.
West Virginia Medicaid: West Virginia Department of Human Services, Bureau for Medical Services · 1-877-716-1212 (Department of Human Services Customer Service Center) · bms.wv.gov
If your income is too high for Medicaid, or you want to compare health plans, call us. We can help with that.
Eligibility considerations
- No coverage available through an employer, Medicare, or Medicaid
- Interest in comparing West Virginia Marketplace plans by metal tier
- Uncertainty about premium tax credit eligibility based on household income
Plan tiers
Lower monthly premium; higher cost-sharing when care is used.
The benchmark tier for subsidy calculations; the only tier eligible for additional cost-sharing reductions.
Higher monthly premium; lower cost-sharing at the point of care.
West Virginia Medicaid and Marketplace information
- Medicaid expansion status
- Expanded (January 2014)
- West Virginia Medicaid agency
- West Virginia Department of Human Services, Bureau for Medical Services
- ACA Marketplace
- HealthCare.gov (federal Marketplace)
West Virginia counties: ACA open enrollment
Choose your county for the dates, Medicaid status and how to get help.
- Kanawha County
- Berkeley County
- Monongalia County
- Cabell County
- Wood County
- Raleigh County
- Harrison County
- Jefferson County
- Mercer County
- Putnam County
- Marion County
- Ohio County
- Fayette County
- Wayne County
- Preston County
- Greenbrier County
- Logan County
- Marshall County
- Hancock County
- Jackson County
- Randolph County
- Mineral County
- Mason County
- Nicholas County
- Hampshire County
- Upshur County
- Mingo County
- Brooke County
- Boone County
- Wyoming County
- Lincoln County
- Morgan County
- McDowell County
- Lewis County
- Taylor County
- Barbour County
Common questions
How is ACA Marketplace coverage administered in West Virginia?
West Virginia uses HealthCare.gov (federal Marketplace) rather than a state-run exchange. Enrollment, plan comparison, and subsidy determinations run through the federal system.
Has West Virginia expanded Medicaid under the ACA?
Yes. West Virginia adopted Medicaid expansion, effective January 2014, extending eligibility to more low-income adults than the traditional Medicaid program covered.
Is there a cost to speak with a licensed agent?
No. Reviewing ACA Marketplace options by phone with a licensed agent has no cost. Any plan ultimately selected carries its own separate premium, determined by the plan and carrier, not by GetFastRates.com.
Questions are easier by phone.
Call 855-367-1095 to talk through your situation with licensed insurance help.
- Licensed insurance help
- No guaranteed eligibility, pricing, or availability
- Educational starting point
Information on this site is educational and does not guarantee eligibility, enrollment, pricing, or availability. It is not a recommendation to buy any specific plan or policy.