Health Insurance Plans in West Virginia
Browse ACA Marketplace plans available to West Virginia residents on the federal exchange. 36 plans available for 2026. Starting from $701/month.
Lowest Monthly Premium
$701/mo
Before subsidies · 30-year-old
Avg Bronze Premium
$740/mo
8 plans available
Avg Silver (Benchmark)
$990/mo
Basis for APTC subsidy calculation
Plans by Metal Tier
Average premiums for a 30-year-old individual in Charleston, WV
Lowest monthly premium, highest cost-sharing. Best if you're healthy and rarely use care.
$740/mo avg
from $701 – $770
Mid-range premiums with moderate cost-sharing. Qualifies for Cost-Sharing Reductions (CSR) if income-eligible.
$990/mo avg
from $938 – $1034
Higher premiums, lower cost-sharing. Best if you use healthcare regularly.
$912/mo avg
from $870 – $986
Highest premiums, lowest out-of-pocket costs. Ideal for frequent, predictable care.
$1644/mo avg
from $1642 – $1646
Lowest-Premium Plans Available
Sample plans near Charleston — enter your ZIP for exact results
my Blue Access WV PPO Bronze 9200
Highmark Blue Cross Blue Shield West Virginia
$701/mo
Ded: $9,200
Low Premium Bronze 10600 $25 Generic Drugs
CareSource
$718/mo
Ded: $10,600
Low Premium Bronze 10600 $25 Generic Drugs + Adult Vision & Fitness
CareSource
$722/mo
Ded: $10,600
my Blue Access WV PPO Standard Bronze 7500
Highmark Blue Cross Blue Shield West Virginia
$734/mo
Ded: $7,500
my Blue Access WV PPO Bronze 3800
Highmark Blue Cross Blue Shield West Virginia
$744/mo
Ded: $3,800
my Blue Access WV PPO Bronze 3800 + Adult Dental and Vision
Highmark Blue Cross Blue Shield West Virginia
$761/mo
Ded: $3,800
Bronze 7500 $25 Generic Drugs
CareSource
$766/mo
Ded: $7,500
Bronze 7500 $25 Generic Drugs + Adult Vision & Fitness
CareSource
$770/mo
Ded: $7,500
Healthy Heart Gold 3000 $0 Chronic Care Drugs & Services
CareSource
$870/mo
Ded: $3,000
Healthy Heart Gold 3000 $0 Chronic Care Drugs & Services + Adult Vision & Fitness
CareSource
$874/mo
Ded: $3,000
Prices shown are for a 30-year-old near Charleston without subsidies. Your actual premium depends on your age, ZIP code, household size, and income.Get your personalized price →
Frequently Asked Questions
How many ACA plans are available in West Virginia?
Approximately 36 ACA Marketplace plans are available in West Virginia for 2026. The exact count varies by county — some areas have more insurer competition than others.
What is the cheapest health insurance plan in West Virginia?
For a 30-year-old without subsidies, the cheapest plan near Charleston starts at about $701/month. Bronze plans have the lowest premiums. If your income qualifies for the Advance Premium Tax Credit (APTC), you could pay significantly less — or nothing at all.
Does West Virginia use HealthCare.gov?
Yes — West Virginia is a federal marketplace state, so residents shop for ACA plans at HealthCare.gov. Policymage uses the same underlying federal marketplace data to let you compare plans before enrolling.
What is the Silver benchmark plan and why does it matter?
The Silver benchmark plan in West Virginia averages $990/month. This benchmark is used by the federal government to calculate your APTC subsidy amount — it's the second-lowest-cost Silver plan in your county. Even if you choose a Bronze or Gold plan, your subsidy is based on the Silver benchmark.
Find Plans in West Virginia
Enter your ZIP code to see all plans available in your county with your exact premium after subsidies.
More West Virginia guides
Best plans in West Virginia Cheapest plans in West Virginia HSA-eligible plans in West Virginia