West Virginia · 2027 Open Enrollment
West Virginia ACA health insurance for 2027
Open Enrollment for 2027 West Virginia Marketplace plans runs November 1, 2026 – January 15, 2027. Enroll by December 15 for coverage starting January 1. Larry Hamilton is a licensed agent in West Virginia and can help you compare every plan available at your ZIP code, online or by phone, at no extra cost.
What's new in West Virginia for 2027
CareSource is leaving West Virginia's individual market at the end of 2026, which is expected to leave Highmark Blue Cross Blue Shield as the only Marketplace insurer for 2027. CareSource members must choose a new plan.
Across the country, the median proposed 2027 premium increase is about 15% (Peterson-KFF Health System Tracker). The extra federal subsidies that capped premiums at 8.5% of income expired at the end of 2025, and the 400% of poverty "subsidy cliff" is back for 2027 (Congressional Research Service). That makes reviewing your plan and your income estimate more important than usual. See our 2027 subsidy income limits guide.
How to enroll in West Virginia
West Virginia residents enroll through HealthCare.gov, the federal Marketplace. You can apply directly or use an approved enhanced direct enrollment site like HealthSherpa. You get the same plans, prices and tax credits either way. Using Larry's secure HealthSherpa link, you:
- Enter your West Virginia ZIP code, household size and estimated 2027 income.
- Compare Bronze, Silver, Gold and Platinum plans side by side, including premiums after tax credits, deductibles, doctors and prescriptions.
- Pick a plan, submit your application and pay your first premium to activate coverage.
Prefer to talk it through? Call 803-851-3589. Because of new 2027 federal rules, you'll confirm by electronic authorization that you want an agent to help with your application (CMS, Sept. 2026).
2027 West Virginia Marketplace insurers
- Highmark Blue Cross Blue Shield West Virginia
Not every insurer sells plans in every county. Source: healthinsurance.org West Virginia Marketplace guide and state rate filings, September 2026.
Medicaid and the coverage gap in West Virginia
West Virginia expanded Medicaid for adults up to 138% of the poverty level, and a Medicaid work requirement starts in 2027. If your household may qualify for West Virginia Medicaid and WVCHIP, you can apply any time of year. The Marketplace application will tell you if you're likely eligible.
Where we help in West Virginia
We enroll individuals, families, self-employed workers and early retirees across West Virginia, including Charleston, Huntington, Morgantown, Parkersburg and Wheeling, plus rural counties. Everything is handled by phone and online, so there's no office visit.
Frequently asked questions
When is Open Enrollment for 2027 health insurance in West Virginia?
Open Enrollment for 2027 coverage in West Virginia runs November 1, 2026 through January 15, 2027. Enroll by December 15, 2026 for coverage that starts January 1, 2027.
How much are ACA premiums going up in West Virginia for 2027?
Insurers' proposed 2027 rates in West Virginia average about 18.3% before subsidies, according to rate filings tracked by healthinsurance.org. What you actually pay depends on your plan, age, ZIP code and tax credit.
Which insurers sell Marketplace plans in West Virginia for 2027?
Insurers offering West Virginia Marketplace coverage for 2027 include Highmark Blue Cross Blue Shield West Virginia. Availability varies by county.
Did West Virginia expand Medicaid?
West Virginia expanded Medicaid for adults up to 138% of the poverty level, and a Medicaid work requirement starts in 2027.
Can a licensed agent help me enroll in West Virginia by phone?
Yes. Larry Hamilton (NPN #11384312) is licensed in West Virginia and helps residents compare and enroll in ACA Marketplace plans by phone or online at no extra cost.