Short answer: West Virginia uses HealthCare.gov. For 2027, 2 insurers sell marketplace plans across its 55 counties; PPO plans are sold in 55 of 55 counties. The cheapest Silver plan for a 40-year-old runs from $1,016 a month (Berkeley County) to $1,264 (Wayne County) before any tax credit, and the cheapest Gold costs less than the cheapest Silver in 55 of 55 counties. Open Enrollment for 2027 coverage runs November 1, 2026 to January 15, 2027; pick a plan by December 15 for a January 1 start.
- 2insurers selling West Virginia marketplace plans for 2027
- $1,177a month: the typical county’s cheapest 2027 Silver plan for a 40-year-old
- 55 of 55counties with a marketplace PPO plan for 2027
- 55 of 55counties where the cheapest Gold beats the cheapest Silver
Who Sells Marketplace Plans in West Virginia for 2027
Highmark Blue Cross Blue Shield West Virginia (all 55 counties) and Peak Health Insurance (45).
Lowest 2027 Prices by Metro
| Area | Bronze | Silver | Gold | Silver deductible |
|---|---|---|---|---|
| Charleston (Kanawha County) | $886 | $1,177 | $1,069 | $6,400 |
| Huntington (Cabell County) | $952 | $1,264 | $1,148 | $6,400 |
| Morgantown (Monongalia County) | $863 | $1,154 | $1,048 | $6,400 |
| Martinsburg (Berkeley County) | $765 | $1,016 | $923 | $6,400 |
| Parkersburg (Wood County) | $938 | $1,259 | $1,143 | $6,400 |
Lowest monthly price in each metal tier for a 40-year-old, before any tax credit, from the CMS plan year 2027 landscape file. The deductible is the cheapest Silver plan’s.
Every West Virginia County
| County | Rating area | Insurers | Plans | Lowest Silver, age 40 | Lowest Bronze, age 40 |
|---|---|---|---|---|---|
| Barbour | 9 | 2 | 20 | $1,145 | $863 |
| Berkeley | 6 | 2 | 20 | $1,016 | $765 |
| Boone | 3 | 1 | 17 | $1,197 | $886 |
| Braxton | 1 | 2 | 20 | $1,183 | $886 |
| Brooke | 11 | 2 | 20 | $1,122 | $840 |
| Cabell | 5 | 2 | 20 | $1,264 | $952 |
| Calhoun | 1 | 2 | 20 | $1,183 | $886 |
| Clay | 1 | 2 | 20 | $1,183 | $886 |
| Doddridge | 8 | 2 | 20 | $1,154 | $863 |
| Fayette | 1 | 2 | 20 | $1,183 | $886 |
| Gilmer | 8 | 2 | 20 | $1,154 | $863 |
| Grant | 7 | 2 | 20 | $1,020 | $765 |
| Greenbrier | 1 | 2 | 20 | $1,183 | $886 |
| Hampshire | 7 | 2 | 20 | $1,020 | $765 |
| Hancock | 11 | 2 | 20 | $1,122 | $840 |
| Hardy | 7 | 2 | 20 | $1,020 | $765 |
| Harrison | 9 | 2 | 20 | $1,145 | $863 |
| Jackson | 10 | 2 | 20 | $1,259 | $938 |
| Jefferson | 6 | 2 | 20 | $1,016 | $765 |
| Kanawha | 2 | 2 | 20 | $1,177 | $886 |
| Lewis | 8 | 2 | 20 | $1,154 | $863 |
| Lincoln | 3 | 1 | 17 | $1,197 | $886 |
| Logan | 3 | 1 | 17 | $1,197 | $886 |
| Marion | 8 | 2 | 20 | $1,154 | $863 |
| Marshall | 11 | 2 | 20 | $1,122 | $840 |
| Mason | 5 | 2 | 20 | $1,264 | $952 |
| McDowell | 3 | 1 | 17 | $1,197 | $886 |
| Mercer | 4 | 1 | 17 | $1,197 | $886 |
| Mineral | 7 | 2 | 20 | $1,020 | $765 |
| Mingo | 3 | 1 | 17 | $1,197 | $886 |
| Monongalia | 8 | 2 | 20 | $1,154 | $863 |
| Monroe | 4 | 1 | 17 | $1,197 | $886 |
| Morgan | 7 | 2 | 20 | $1,020 | $765 |
| Nicholas | 1 | 2 | 20 | $1,183 | $886 |
| Ohio | 11 | 2 | 20 | $1,122 | $840 |
| Pendleton | 7 | 2 | 20 | $1,020 | $765 |
| Pleasants | 10 | 2 | 20 | $1,259 | $938 |
| Pocahontas | 9 | 2 | 20 | $1,145 | $863 |
| Preston | 9 | 2 | 20 | $1,145 | $863 |
| Putnam | 5 | 2 | 20 | $1,264 | $952 |
| Raleigh | 4 | 1 | 17 | $1,197 | $886 |
| Randolph | 9 | 2 | 20 | $1,145 | $863 |
| Ritchie | 10 | 2 | 20 | $1,259 | $938 |
| Roane | 1 | 2 | 20 | $1,183 | $886 |
| Summers | 4 | 1 | 17 | $1,197 | $886 |
| Taylor | 9 | 2 | 20 | $1,145 | $863 |
| Tucker | 9 | 2 | 20 | $1,145 | $863 |
| Tyler | 10 | 2 | 20 | $1,259 | $938 |
| Upshur | 9 | 2 | 20 | $1,145 | $863 |
| Wayne | 5 | 2 | 20 | $1,264 | $952 |
| Webster | 9 | 2 | 20 | $1,145 | $863 |
| Wetzel | 8 | 2 | 20 | $1,154 | $863 |
| Wirt | 10 | 2 | 20 | $1,259 | $938 |
| Wood | 10 | 2 | 20 | $1,259 | $938 |
| Wyoming | 3 | 1 | 17 | $1,197 | $886 |
Open Enrollment 2027 in West Virginia
West Virginia sells its plans through HealthCare.gov. Open Enrollment for 2027 coverage runs November 1, 2026 to January 15, 2027; a plan picked by December 15 starts January 1. Outside those dates, a qualifying event such as a move into West Virginia, losing other coverage, marriage or a new child opens a 60-day window.
The 2027 Tax-Credit Line in West Virginia
For 2027 coverage the premium tax credit stops at 400% of the poverty line: $63,840 of income for one person, $132,000 for a family of four. Below it the benchmark Silver plan costs no more than 10.22% of income; above it the prices in the tables are the prices. Gold costing less than Silver in 55 of 55 counties is the marketplace’s silver-loading at work: insurers price Silver for the cost-sharing help it carries, so a full-price buyer should look at Gold first, and a Bronze plan is HSA-qualified since 2026 (IRS Notice 2026-05).
Self-Employed and S Corp Owners in West Virginia
Premiums paid for yourself are deductible: the self-employed health insurance deduction in West Virginia and the S-corp health insurance deduction in West Virginia walk through the federal rules, the West Virginia tax treatment and 2027 prices, with a calculator.
Moving to West Virginia
A plan from another state does not move with you; a new West Virginia address opens a 60-day window. Moving to West Virginia: health insurance after the move has the dates, the marketplace and where West Virginia’s newcomers come from.
Common Questions
How many insurers sell marketplace health insurance in West Virginia for 2027?
2, by brand: Highmark Blue Cross Blue Shield West Virginia and Peak Health Insurance.
Are there PPO plans on the West Virginia marketplace for 2027?
In 55 of 55 counties. The rest have EPO plans only.
What does the cheapest Silver plan cost in West Virginia?
For a 40-year-old before any tax credit, from $1,016 a month in Berkeley County to $1,264 in Wayne County for 2027; the typical county is $1,177.
When is Open Enrollment for 2027 coverage in West Virginia?
November 1, 2026 to January 15, 2027 on HealthCare.gov. Pick a plan by December 15, 2026 for coverage that starts January 1, 2027.