West Virginia Health Insurance Plans 

Finding the right health insurance in West Virginia doesn’t have to be difficult. Whether you need an individual plan, family coverage, or assistance through state programs, understanding your options ensures you make the best choice for your needs. 

Types of Health Insurance Plans 

West Virginia residents have multiple health insurance options, including: 

• Marketplace (ACA) Plans – Comprehensive coverage with essential health benefits and income-based subsidies. 
• Private Health Insurance – Flexible coverage options for those not qualifying for ACA subsidies. 
• Short-Term Health Insurance – Temporary coverage for those between jobs or awaiting permanent insurance. 
• Medicaid & CHIP – Government-sponsored programs for eligible low-income residents and families. 

Enrollment and Eligibility 

• Open Enrollment: November 1 – January 15. 
• Special Enrollment: Available for qualifying life events (job loss, marriage, birth of a child, relocation). 
• Medicaid & CHIP Enrollment: Year-round applications for eligible individuals. 

Costs and Financial Assistance 

• Marketplace Plans: Monthly costs vary based on income, plan type, and subsidies. 
• Premium Tax Credits: Reduce the cost of ACA plans for qualifying individuals. 
• Medicaid & CHIP: Free or low-cost coverage for eligible residents. 

Reasons to Pick First Family Insurance 

Choosing the right plan is easier with First Family Insurance because: 

• We compare plans from top insurance providers. 
• Our licensed agents guide you through eligibility and enrollment. 
• We help you maximize financial assistance to reduce costs. 

Frequently Asked Questions 

How do I know which plan is right for me? 

The best plan depends on your income, coverage needs, and provider preferences. Our agents can help you compare options. 

Can I get health insurance outside of Open Enrollment? 

Yes, if you qualify for Special Enrollment or are eligible for Medicaid/CHIP. 

What financial assistance is available? 

Many West Virginians qualify for subsidies or free coverage through Medicaid and ACA tax credits.