Health insurance prices in West Virginia (2026)
37 marketplace plans from 2 insurers across 55 counties. Official marketplace: HealthCare.gov.
Plan year 2026 prices; 2027 prices will be added as soon as CMS publishes them. Monthly premium for one 40-year-old, before any tax credit (subsidy).
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Individual & family health insurance (marketplace / ACA plans)
Real insurance plans you buy yourself (not through a job), sold by companies like UnitedHealthcare, Blue Cross Blue Shield, Ambetter (Centene), Oscar, Cigna, Molina and Anthem through HealthCare.gov or your state's marketplace.
Looking for Aetna? Aetna CVS Health left the ACA marketplace for 2026 (it sold plans in 17 states in 2025). Source: KFF
All plans here: Bronze $682–$931 (typical $816) · Silver $911–$1,251 (typical $1,100) · Gold $846–$1,192 (typical $998) · Platinum $1,596–$1,989 (typical $1,849) · Catastrophic $529–$658 (typical $613)
Insurers, sorted by typical Silver price
Every marketplace insurer must sell Silver and Gold plans; Bronze is optional, so Silver is the fair comparison. Typical = median monthly premium, age 40.
| Insurer | Counties (of 55) | Plans | Cheapest plan | Typical Bronze | Typical Silver | Typical Gold | Cheapest plan name |
|---|---|---|---|---|---|---|---|
| CareSource | 55 | 22 | $698 | $815 | $1,098 | $984 | Low Premium Bronze 10600 $25 Generic Drugs |
| Highmark Blue Cross Blue Shield (WV)Highmark Health (Blue Cross Blue Shield company) | 55 | 15 | $682 | $821 | $1,115 | $1,036 | my Blue Access WV PPO Bronze 9200 |
Deductibles and a bad year, by metal level
| Metal | Lowest | Typical* | Highest | Plans | Typical deductible | Typical out-of-pocket max | Typical bad year** |
|---|---|---|---|---|---|---|---|
| Bronze | $682 | $816 | $931 | 8 | $7,500 | $10,000 | $19,950 |
| Silver | $911 | $1,100 | $1,251 | 13 | $5,000 | $9,500 | $22,673 |
| Gold | $846 | $998 | $1,192 | 13 | $2,000 | $8,200 | $20,113 |
| Platinum | $1,596 | $1,849 | $1,989 | 2 | $0 | $5,200 | $27,387 |
| CatastrophicUnder 30 or hardship exemption only | $529 | $613 | $658 | 1 | $10,600 | $10,600 | $17,952 |
* Typical = median: half of plans cost less, half cost more. ** Bad year = 12 months of premium + the plan's in-network out-of-pocket maximum (median across plans). Out-of-network care and non-covered services are extra.
Prices by county in West Virginia
| County | Insurers | Plans | Cheapest plan | Typical Bronze | Typical Silver |
|---|---|---|---|---|---|
| Barbour County | 2 | 37 | $769 | $810 | $1,077 |
| Berkeley County | 2 | 37 | $682 | $718 | $955 |
| Boone County | 2 | 37 | $790 | $832 | $1,106 |
| Braxton County | 2 | 37 | $790 | $832 | $1,106 |
| Brooke County | 2 | 37 | $748 | $788 | $1,048 |
| Cabell County | 2 | 37 | $848 | $893 | $1,188 |
| Calhoun County | 2 | 37 | $790 | $832 | $1,106 |
| Clay County | 2 | 37 | $790 | $832 | $1,106 |
| Doddridge County | 2 | 37 | $769 | $810 | $1,077 |
| Fayette County | 2 | 37 | $790 | $832 | $1,106 |
| Gilmer County | 2 | 37 | $769 | $810 | $1,077 |
| Grant County | 2 | 37 | $682 | $718 | $955 |
| Greenbrier County | 2 | 37 | $790 | $832 | $1,106 |
| Hampshire County | 2 | 37 | $682 | $718 | $955 |
| Hancock County | 2 | 37 | $748 | $788 | $1,048 |
| Hardy County | 2 | 37 | $682 | $718 | $955 |
| Harrison County | 2 | 37 | $769 | $810 | $1,077 |
| Jackson County | 2 | 37 | $835 | $880 | $1,170 |
| Jefferson County | 2 | 37 | $682 | $718 | $955 |
| Kanawha County | 2 | 37 | $790 | $832 | $1,106 |
| Lewis County | 2 | 37 | $769 | $810 | $1,077 |
| Lincoln County | 2 | 37 | $790 | $832 | $1,106 |
| Logan County | 2 | 37 | $790 | $832 | $1,106 |
| Marion County | 2 | 37 | $769 | $810 | $1,077 |
| Marshall County | 2 | 37 | $748 | $788 | $1,048 |
| Mason County | 2 | 37 | $848 | $893 | $1,188 |
| McDowell County | 2 | 37 | $790 | $832 | $1,106 |
| Mercer County | 2 | 37 | $790 | $832 | $1,106 |
| Mineral County | 2 | 37 | $682 | $718 | $955 |
| Mingo County | 2 | 37 | $790 | $832 | $1,106 |
| Monongalia County | 2 | 37 | $769 | $810 | $1,077 |
| Monroe County | 2 | 37 | $790 | $832 | $1,106 |
| Morgan County | 2 | 37 | $682 | $718 | $955 |
| Nicholas County | 2 | 37 | $790 | $832 | $1,106 |
| Ohio County | 2 | 37 | $748 | $788 | $1,048 |
| Pendleton County | 2 | 37 | $682 | $718 | $955 |
| Pleasants County | 2 | 37 | $835 | $880 | $1,170 |
| Pocahontas County | 2 | 37 | $769 | $810 | $1,077 |
| Preston County | 2 | 37 | $769 | $810 | $1,077 |
| Putnam County | 2 | 37 | $848 | $893 | $1,188 |
| Raleigh County | 2 | 37 | $790 | $832 | $1,106 |
| Randolph County | 2 | 37 | $769 | $810 | $1,077 |
| Ritchie County | 2 | 37 | $835 | $880 | $1,170 |
| Roane County | 2 | 37 | $790 | $832 | $1,106 |
| Summers County | 2 | 37 | $790 | $832 | $1,106 |
| Taylor County | 2 | 37 | $769 | $810 | $1,077 |
| Tucker County | 2 | 37 | $769 | $810 | $1,077 |
| Tyler County | 2 | 37 | $835 | $880 | $1,170 |
| Upshur County | 2 | 37 | $769 | $810 | $1,077 |
| Wayne County | 2 | 37 | $848 | $893 | $1,188 |
| Webster County | 2 | 37 | $769 | $810 | $1,077 |
| Wetzel County | 2 | 37 | $769 | $810 | $1,077 |
| Wirt County | 2 | 37 | $835 | $880 | $1,170 |
| Wood County | 2 | 37 | $835 | $880 | $1,170 |
| Wyoming County | 2 | 37 | $790 | $832 | $1,106 |
To compare insurance plans side by side (or with health sharing), open your county.