West Virginia ACA Health Insurance

55 counties, 2 issuers, 37 plans

$844
Avg Premium (Age 27)
$1,029
Avg Premium (Age 40)
$2,185
Avg Premium (Age 60)
$5,283
Avg Deductible
The short answer

ACA marketplace coverage in West Virginia averages $844/mo for a 27-year-old across 55 counties and 2 issuers, before subsidies. Where you live matters most: Berkeley is the cheapest county at $789/mo Silver, while Cabell is the priciest at $981/mo.

Premium Range

Premiums in West Virginia range from $434/mo to $1,631/mo (age 27 base rate).

Reading the West Virginia Marketplace

The ACA marketplace in West Virginia lists 37 plans from 2 issuers spread across 55 counties. The statewide average premium is $844/mo for a 27-year-old, $1,029/mo at age 40, and $2,185/mo at age 60, reflecting the ACA's 3-to-1 age rating band. Individual plan premiums run from $434 at the low end to $1,631 at the high end, before subsidies.

Geography drives most of the within-state variation: Cabell posts the highest Silver average at $981/mo, while Berkeley sits at $789/mo, a gap shaped by local issuer competition, hospital pricing, and risk-pool composition rather than benefit differences, since every marketplace plan must cover the same 10 essential health benefits. The statewide average annual deductible is $5,283, the amount most enrollees must pay before non-preventive coverage begins.

Premium tax credits (APTCs) further reduce what most enrollees pay out of pocket, with the size of the subsidy keyed to each county's benchmark (second-lowest Silver) premium. This page is informational only and is not insurance, medical, or tax advice, confirm your exact plan options, network providers, and subsidy eligibility at HealthCare.gov before enrolling. Source: CMS Marketplace Public Use Files.

Top 5 most-expensive counties - West Virginia (Silver avg)

Top 5 most-expensive counties - West Virginia (Silver avg) Horizontal bar chart of the top 5 items by value (USD/mo). Top 5 most-expensive counties - West Virginia (Silver avg) Top 5 1. Cabell $981 2. Mason $981 3. Putnam $981 4. Wayne $981 5. Jackson $967 Top 5 West Virginia counties ranked by average Silver-tier ACA premium (Plan Year 2026). Source: CMS Marketplace Public Use Files.

Source: CMS Health Insurance Marketplace Public Use Files (Plan Year 2026) West Virginia ACA marketplace premiums by county and metal tier (Plan Year 2026) · 2026 CMS publishes the Marketplace Public Use Files annually, covering the federal exchange and participating state-based exchanges. Premiums shown are pre-subsidy and reflect age-27 Silver averages.

Most Expensive Counties

# County Silver Avg Plans Issuers
1 Cabell $981/mo 37 2
2 Mason $981/mo 37 2
3 Putnam $981/mo 37 2
4 Wayne $981/mo 37 2
5 Jackson $967/mo 37 2

Most Affordable Counties

# County Silver Avg Plans Issuers
1 Berkeley $789/mo 37 2
2 Grant $789/mo 37 2
3 Hampshire $789/mo 37 2
4 Hardy $789/mo 37 2
5 Jefferson $789/mo 37 2

All Counties in West Virginia

County Silver Avg Bronze Avg Gold Avg Plans Issuers YoY
Barbour $890 $631 $820 37 2 +10.4%
Berkeley $789 $559 $727 37 2 +10.0%
Boone $914 $648 $842 37 2 +10.3%
Braxton $914 $648 $842 37 2 +10.3%
Brooke $866 $614 $798 37 2 +10.0%
Cabell $981 $695 $904 37 2 +10.7%
Calhoun $914 $648 $842 37 2 +10.3%
Clay $914 $648 $842 37 2 +10.3%
Doddridge $890 $631 $820 37 2 +10.4%
Fayette $914 $648 $842 37 2 +10.3%
Gilmer $890 $631 $820 37 2 +10.4%
Grant $789 $559 $727 37 2 +10.0%
Greenbrier $914 $648 $842 37 2 +10.3%
Hampshire $789 $559 $727 37 2 +10.0%
Hancock $866 $614 $798 37 2 +10.0%
Hardy $789 $559 $727 37 2 +10.0%
Harrison $890 $631 $820 37 2 +10.4%
Jackson $967 $685 $891 37 2 +10.3%
Jefferson $789 $559 $727 37 2 +10.0%
Kanawha $914 $648 $842 37 2 +10.3%
Lewis $890 $631 $820 37 2 +10.4%
Lincoln $914 $648 $842 37 2 +10.3%
Logan $914 $648 $842 37 2 +10.3%
Marion $890 $631 $820 37 2 +10.4%
Marshall $866 $614 $798 37 2 +10.0%
Mason $981 $695 $904 37 2 +10.7%
McDowell $914 $648 $842 37 2 +10.3%
Mercer $914 $648 $842 37 2 +10.3%
Mineral $789 $559 $727 37 2 +10.0%
Mingo $914 $648 $842 37 2 +10.3%
Monongalia $890 $631 $820 37 2 +10.4%
Monroe $914 $648 $842 37 2 +10.3%
Morgan $789 $559 $727 37 2 +10.0%
Nicholas $914 $648 $842 37 2 +10.3%
Ohio $866 $614 $798 37 2 +10.0%
Pendleton $789 $559 $727 37 2 +10.0%
Pleasants $967 $685 $891 37 2 +10.3%
Pocahontas $890 $631 $820 37 2 +10.4%
Preston $890 $631 $820 37 2 +10.4%
Putnam $981 $695 $904 37 2 +10.7%
Raleigh $914 $648 $842 37 2 +10.3%
Randolph $890 $631 $820 37 2 +10.4%
Ritchie $967 $685 $891 37 2 +10.3%
Roane $914 $648 $842 37 2 +10.3%
Summers $914 $648 $842 37 2 +10.3%
Taylor $890 $631 $820 37 2 +10.4%
Tucker $890 $631 $820 37 2 +10.4%
Tyler $967 $685 $891 37 2 +10.3%
Upshur $890 $631 $820 37 2 +10.4%
Wayne $981 $695 $904 37 2 +10.7%
Webster $890 $631 $820 37 2 +10.4%
Wetzel $890 $631 $820 37 2 +10.4%
Wirt $967 $685 $891 37 2 +10.3%
Wood $967 $685 $891 37 2 +10.3%
Wyoming $914 $648 $842 37 2 +10.3%

Health Insurance Guides

Choosing a Metal Level
Bronze vs Silver vs Gold vs Platinum, which tier fits your needs and budget
Understanding ACA Subsidies
How premium tax credits work and how to estimate your subsidy amount

ACA Health Insurance in West Virginia

The Affordable Care Act marketplace in West Virginia offers 37 health insurance plans from 2 issuers across 55 counties. Premiums vary significantly by geography: the most expensive county (Cabell) averages $981/mo for a Silver plan, while the most affordable (Berkeley) averages $789/mo.

Many consumers qualify for premium tax credits that significantly reduce monthly costs. Subsidies are based on household income relative to the federal poverty level. The average deductible across plans is $5,283, though lower-deductible options are available at higher monthly premiums.

Frequently Asked Questions

How much does health insurance cost in West Virginia? ▼
The average ACA marketplace premium in West Virginia is $844/mo for a 27-year-old, $1,029/mo for a 40-year-old, and $2,185/mo for a 60-year-old. Premiums range from $434 to $1,631/mo across 55 counties and 2 issuers.
What is the cheapest health insurance plan in West Virginia? ▼
The most affordable county for ACA coverage in West Virginia is Berkeley with an average Silver plan premium of $789/mo. Actual costs depend on age, tobacco use, household income, and subsidy eligibility.
How many health insurance companies operate in West Virginia? ▼
2 insurance issuers offer 37 ACA marketplace plans across 55 counties in West Virginia. Competition varies by county, with some areas having more plan choices than others.
Where is health insurance most expensive in West Virginia? ▼
The most expensive county for ACA coverage in West Virginia is Cabell, where the average Silver plan costs $981/mo. By comparison, the most affordable county is Berkeley at $789/mo - a difference driven by issuer competition and local healthcare costs.
What is the average deductible for health plans in West Virginia? ▼
The average annual deductible across ACA marketplace plans in West Virginia is $5,283. Bronze plans typically have higher deductibles (lower premiums), while Gold and Platinum plans offer lower deductibles at higher monthly costs. Silver plans with cost-sharing reductions may offer even lower deductibles for qualifying households.

Disclaimer: This page is for informational purposes only and does not constitute insurance or financial advice. Premiums shown are base rates for a 27-year-old non-tobacco user unless otherwise noted. Actual premiums vary by age, location, tobacco use, and subsidy eligibility. Source: CMS Marketplace PUF.

Read our methodology - how this data is sourced, computed, and verified.

Related

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Data sourced from the CMS Health Insurance Marketplace Public Use Files. See our methodology for details. Retrieved and formatted by PlainHealthPlan Editorial