ACA & Obamacare plans in West Virginia
West Virginia residents shop for Affordable Care Act plans through HealthCare.gov, the federal Health Insurance Marketplace. Open Enrollment for 2027 coverage runs from November 1, 2026 to January 15, 2027, and you need to enroll by December 15, 2026 for coverage that starts January 1. Outside Open Enrollment, a qualifying life event such as losing job-based coverage, moving, getting married, or having a baby can let you enroll.
West Virginia expanded Medicaid under the Affordable Care Act. Adults with household income up to 138% of the federal poverty level may qualify for Medicaid instead of a Marketplace plan. If your income is above that, you may qualify for premium tax credits that lower the cost of a Marketplace plan. Your advisor can help you figure out which applies to you.
Every ACA plan sold in West Virginia covers essential health benefits, and plans can’t turn you down or charge you more for a pre-existing condition. Learn how ACA plans work.
Medicare in West Virginia
If you’re turning 65 in West Virginia, your Initial Enrollment Period starts three months before your birthday month. Already on Medicare? The Annual Enrollment Period runs October 15 to December 7 each year, when you can switch Medicare Advantage and Part D plans for the coming year.
Our advisors compare Medicare Advantage, Medicare Supplement, and Part D plans available in your part of West Virginia, based on your doctors and prescriptions. For free, unbiased counseling, you can also contact West Virginia’s State Health Insurance Assistance Program through shiphelp.org. Learn about Medicare options.
Coverage we help West Virginia residents compare
Serving all of West Virginia
We help individuals, families, and seniors across West Virginia, including Charleston, Huntington, Morgantown, and Parkersburg, and in smaller towns and rural communities throughout the state. Everything happens by phone and online, so you get the same help wherever you live.
West Virginia health insurance questions
When is open enrollment in West Virginia for 2027?
Open Enrollment for 2027 West Virginia health plans runs from November 1, 2026 to January 15, 2027. To have coverage start January 1, 2027, enroll by December 15, 2026.
Where do West Virginia residents enroll in ACA plans?
West Virginia residents enroll through HealthCare.gov. You can enroll on your own, or a licensed advisor can compare plans and help you enroll at no cost to you.
Can I get free Medicare help in West Virginia?
Yes. West Virginia’s State Health Insurance Assistance Program (SHIP) offers free, unbiased Medicare counseling, and you can find it at shiphelp.org. A licensed advisor can also compare Medicare plans available where you live.
Enrollment dates are for 2027 coverage; confirm deadlines with HealthCare.gov. We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.
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