Best Cheap Health Insurance in West Virginia 2019

Find the Cheapest Health Insurance Quotes in Your Area

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Affordable health insurance in West Virginia can be purchased through the state insurance exchange or acquired through Medicaid if your household income falls below 138% of the federal poverty level. After comparing Silver health insurance policies, we concluded that the CareSource Low Premium Silver and my Connect Blue WV PPO 5700S are the cheapest plans in the state. Policies are available from two major insurers: CareSource West Virginia Co. and Highmark Blue Cross Blue Shield West Virginia. Both companies offer a variety of health insurance policies across all metal tiers.

Cheapest Health Insurance by Metal Tier

To help you find the best policy, we compared all health plans on the West Virginia exchange and identified those with the most affordable rates depending on your desired level of coverage. The table below shows the cheapest health insurance policies for each metal tier, along with the plan's deductible, out-of-pocket maximums and premiums. These plans should be used as an initial point for evaluating your health insurance needs and the coverage you can expect from a given metal tier.

Metal TierCheapest PlanDeductibleOut-of-Pocket MaximumMonthly Cost for a 40-Year-Old
CatastrophicMajor Events Blue PPO 7350$7,350$7,350$392.60
BronzeCareSource Bronze$7,250$7,350$393.31
Expanded BronzeCareSource Federal Simple Choice Bronze$6,650$7,350$442.89
SilverCareSource Low Premium Silver$6,150$7,300$444.55
GoldCareSource Gold$1,500$5,000$597.96

As you can see in the table above, health insurance in West Virginia is divided into five different metal tiers: Catastrophic, Bronze, Expanded Bronze, Silver and Gold. The higher tiers have the most expensive premiums along with the smallest deductibles, while tiers like Catastrophic have a high deductible with cheap monthly premiums. For example, the CareSource Gold policy has a premium that is 52% more expensive than the premium of the Major Events Blue PPO 7350, a Catastrophic tier policy.

One of the key factors in determining the price of a health insurance policy is age. The graph below shows the average costs of health insurance depending on the metal tier of the policy and the age of the insured. For example, for an Expanded Bronze health plan, 40-year-olds will pay 28% more on average per month in premiums for the same coverage as 21-year-olds. This jump in monthly costs becomes even larger for 60-years-olds who pay 112% more than 40-years-olds for Expanded Bronze coverage.

Average Monthly Cost of Health Insurance Plans by Metal Tier in West Virginia

Finding the Best Health Insurance Coverage in West Virginia

The best health insurance coverage for you in West Virginia should be determined by taking into account your county, level of income and expected medical expenses. West Virginia has opted to expand their Medicaid plan under the Affordable Care Act (ACA). This allows individuals with household incomes below 138% of the federal poverty level to be eligible for Medicaid coverage.

If you do not fall into this category, you can buy health insurance on the West Virginia exchange. The plans offered to you will be dependent on your county, but all residents can choose among policies at all metal tiers. The tiers vary by their typical premium amounts, deductibles and other out-of-pocket expenses.

Start by Shopping for Silver Plans

Silver plans are typically middle ground policies that fall in between Gold and Expanded Bronze plans with regard to premiums and deductibles. For example, for a 40-year-old, on average in West Virginia, the monthly health insurance cost of a Silver plan would be $583. This is $140 less than a Gold plan, whose premium is $723 per month. So, unless you believe you are very healthy or know you will have large medical expenses, we would recommend considering a Silver health plan.

All metal tiers except Catastrophic offer premium tax credits, but Silver plans are eligible for extra cost-sharing reductions if you fall below 250% of the federal poverty line. In this case, you would be eligible to receive discounts on the amount you would need to pay for deductibles, copayments, and coinsurance.

Gold Plans: Best If You Expect High Medical Costs

Gold plans are the highest tier plan available in West Virginia. A Gold health plan has the most expensive monthly premiums but also the lowest level deductible. Gold plans work well if you expect to have high medical costs throughout the year. For example, if you need prescription drugs, a Gold plan with a low deductible would allow you to save money.

Bronze and Catastrophic Plans

Bronze and Catastrophic metal plans are health insurance policies with lower premiums and a higher deductible. These types of health plans are best-suited for healthy and young people who expect to not have many medical expenses throughout the year. Both of these policies only provide coverage if you have surpassed the high deductible level, such as in the case of an extreme medical emergency where there are very large medical costs.

Bronze plans are available to anyone, but Catastrophic health plans are only available if you are under 30 years old or are eligible for an exemption, which would allow you to purchase the policy.

Best Cheap Health Insurance Companies in West Virginia

West Virginia residents can choose between two insurance providers on the state marketplace: CareSource West Virginia Co. and Highmark Blue Cross Blue Shield West Virginia. Both companies offer a variety of policies, but you could be limited to certain health plans depending on the county you live in. For example, CareSource West Virginia Co. only offers health insurance in 32 counties, while Highmark Blue Cross Blue Shield is available everywhere in West Virginia.

Cheapest Health Insurance Plan By County

Depending on where you live, you may pay a different cost for a particular health insurance policy, since prices are determined by county. The CareSource Federal Simple Choice Silver plan, for instance, costs 31% more for a 30-year-old in Logan County than it would for the same person in Brooke County. To help you find the best-priced coverage, below we have provided a list of the cheapest Silver health insurance policies available in West Virginia by county, as well as sample rates depending on the size of your family.

CountyCheapest Silver PlanSingle Adult, Age 40Couple, Age 40Couple, Age 40 plus Child
BarbourCareSource Low Premium Silver$555$1,110$1,442
Berkeleymy Connect Blue WV PPO 5700S$536$1,072$1,392
BooneCareSource Low Premium Silver$584$1,169$1,519
Braxtonmy Connect Blue WV PPO 5700S$653$1,307$1,698
BrookeCareSource Low Premium Silver$445$889$1,155
CabellCareSource Low Premium Silver$463$926$1,203
CalhounCareSource Low Premium Silver$515$1,030$1,338
ClayCareSource Low Premium Silver$515$1,030$1,338
DoddridgeCareSource Low Premium Silver$495$990$1,286
FayetteCareSource Low Premium Silver$515$1,030$1,338
GilmerCareSource Low Premium Silver$495$990$1,286
Grantmy Connect Blue WV PPO 5700S$536$1,072$1,392
Greenbriermy Connect Blue WV PPO 5700S$653$1,307$1,698
Hampshiremy Connect Blue WV PPO 5700S$536$1,072$1,392
HancockCareSource Low Premium Silver$445$889$1,155
Hardymy Connect Blue WV PPO 5700S$536$1,072$1,392
HarrisonCareSource Low Premium Silver$555$1,110$1,442
JacksonCareSource Low Premium Silver$484$968$1,258
Jeffersonmy Connect Blue WV PPO 5700S$536$1,072$1,392
KanawhaCareSource Low Premium Silver$555$1,110$1,442
Lewismy Connect Blue WV PPO 5700S$595$1,189$1,545
LincolnCareSource Low Premium Silver$584$1,169$1,519
LoganCareSource Low Premium Silver$584$1,169$1,519
MarionCareSource Low Premium Silver$495$990$1,286
MarshallCareSource Low Premium Silver$445$889$1,155
MasonCareSource Low Premium Silver$463$926$1,203
McDowellmy Connect Blue WV PPO 5700S$653$1,307$1,698
Mercermy Connect Blue WV PPO 5700S$653$1,307$1,698
Mineralmy Connect Blue WV PPO 5700S$536$1,072$1,392
Mingomy Connect Blue WV PPO 5700S$653$1,307$1,698
MonongaliaCareSource Low Premium Silver$495$990$1,286
Monroemy Connect Blue WV PPO 5700S$653$1,307$1,698
Morganmy Connect Blue WV PPO 5700S$536$1,072$1,392
Nicholasmy Connect Blue WV PPO 5700S$653$1,307$1,698
OhioCareSource Low Premium Silver$445$889$1,155
Pendletonmy Connect Blue WV PPO 5700S$536$1,072$1,392
PleasantsCareSource Low Premium Silver$484$968$1,258
Pocahontasmy Connect Blue WV PPO 5700S$595$1,189$1,545
PrestonCareSource Low Premium Silver$555$1,110$1,442
PutnamCareSource Low Premium Silver$463$926$1,203
RaleighCareSource Low Premium Silver$494$988$1,284
Randolphmy Connect Blue WV PPO 5700S$595$1,189$1,545
RitchieCareSource Low Premium Silver$484$968$1,258
RoaneCareSource Low Premium Silver$515$1,030$1,338
Summersmy Connect Blue WV PPO 5700S$653$1,307$1,698
TaylorCareSource Low Premium Silver$555$1,110$1,442
Tuckermy Connect Blue WV PPO 5700S$595$1,189$1,545
TylerCareSource Low Premium Silver$484$968$1,258
Upshurmy Connect Blue WV PPO 5700S$595$1,189$1,545
WayneCareSource Low Premium Silver$463$926$1,203
Webstermy Connect Blue WV PPO 5700S$595$1,189$1,545
WetzelCareSource Low Premium Silver$495$990$1,286
WirtCareSource Low Premium Silver$484$968$1,258
WoodCareSource Low Premium Silver$484$968$1,258
Wyomingmy Connect Blue WV PPO 5700S$653$1,307$1,698

Average Cost of Health Insurance by Family Size in West Virginia

Along with age and your county of residence, the size of your family will directly impact health insurance costs. For example, the average Silver health insurance policy that covers a family of three, with a couple and one child, would be 30% more expensive in West Virginia than a policy designed to supply coverage for just a couple.

The table below shows the average monthly premium costs for families based on the number of people covered. As you can see, the average cost to add a child under the age of 15 is $349. This is much lower than the average cost of adding an adult to your health insurance policy, which is $583.

Family SizeAverage Monthly Cost of Health Plan
Single Adult$583
Adult Couple$1,167
Family of three (Adult couple and a child)$1,516
Family of four (Adult couple and two children)$1,865
Family of five (Adult couple and three children)$2,214
Adults are assumed to be 40 years old. Sample rates are based on the average cost for a Silver plan in West Virginia.

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Editorial Note: The editorial content on this page is not provided or commissioned by any financial institution. Any opinions, analyses, reviews, statements or recommendations expressed in this article are those of the author’s alone, and may not have been reviewed, approved or otherwise endorsed by any of these entities prior to publication.