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Best Health Insurance In West Virginia

Public Health Issues In West Virginia

US Affordable Care Act: West Virginia relies on health coverage

In every situation, health insurance is about your specific medical needs and health. However, public trends can impact your rate. Some factors and statistics that may impact costs include the following:

Obesity in West Virginia

High obesity levels in West Virginia area are a key factor for health insurance prices. In 2017, 38.1 percent of adults in the state where considered obese. That raises costs because those who are obese are more likely to need ongoing medical care.

Diabetes in West Virginia

In West Virginia, 15.2 percent of adults in 2017 had a diagnosis of diabetes. That is much higher than most of the rest of the country, increasing rates for health insurance.

Childhood Obesity in West Virginia

Children in the state are also more likely to suffer from health risk factors if they are overweight or obese. In 2016, 35.1 percent of children between the ages of 10 and 17 in West Virginia were considered within these limits, making this another key factor in the state.

< twitter> Children in the state are also more likely to suffer from health risk factors if they are overweight or obese. In 2016, 35.1 percent of children between the ages of 10 and 17 in West Virginia were considered within these limits.< /twitter>

West Virginia Mental Health Statistics

West Virginia STD Statistics

In West Virginia, STD risks are slightly less than other states. However, the state does have a high rate of chlamydia and gonorrhea diagnosis in the last few years.

Small Business Health Insurance In West Virginia

Suppose you own a small business in West Virginia ). You can purchase qualifying coverage for your employees through the Small Business Health Option Program or, just as with individual plans, through a private insurance broker or insurance agent. Typical policies are for 4-6 employees.

If you contribute to your employees premium costs, you will qualify for business tax credits. For a full description of the advantages of employer-sponsored health insurance plans, see

What Does Health Insurance Cover

In the United States, health insurance providers must follow a minimum standard of coverage. Here is a list of care and service elements that all health insurance providers must cover.

  • Outpatient care
  • Pregnancy, maternity and newborn care
  • Psychotherapy and substance abuse services
  • Prescription drugs

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West Virginia The Metal Health Insurance Tiers And You

There are four metal tiers: Bronze, Silver, Gold, & Platinum. These metal categories define how you and your insurance company split your health care costs. Each refers to the portion of medical expenses you must pay besides your premiums. They have nothing to do with the quality of your health care.

Quick Note: Not every insurance company offers all Metal tiers in every state and region. If they provide health insurance in your area, at the very minimum they will offer the Silver and Gold tier plans.

Below is a breakdown of costs for each metal tier. The percentages are averages estimated by your insurer, easy rules for out-of-pocket expenses. Your costs will vary: these are EXAMPLES ONLY.

Exactly Where Can I Buy Cost

Best of West Virginia 2021

In case you are utilized full-time by a big employer, you might qualify to get a health plan that is inexpensive. Large employers should comply with the Affordable Care Act employer mandate, so many supply health plans that are fairly priced for their full-time staff. In case you are the only person inside your home, premiums might be larger, however, you should have the ability to discover inexpensive coverage. You can also look for insurance subsidies offered by the Market.

Premium tax credits make health protection more cost-effective for middle-income consumers. This credit rating is calculated as the distinction between benchmark premiums and a certain percentage of earnings. For those who make between 300 and 400 % of the federal poverty line, the premium tax credit applies in a rate of 9.86 %. > > > Best Health Insurance West VirginiaReceive Specialised Help Or Continue Reading > > > It addresses the remainder of the expense of the plan should your earnings is lower than 400 % from the poverty stage. You can get premium tax credits for around 5 a long time, which might help make protection cost-effective for middle-income shoppers.

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Average Cost Of Health Insurance In West Virginia

The average premiums in West Virginia for 2019 is $937 per month, according to However, depending on your yearly income, you can qualify for subsidies. Those subsidies bring the cost down to an average of $768 per month. Even if you dont qualify for subsidies, you can still get the best cheap health insurance. Lets get to know the types of health insurance.

Insurance For Individuals In West Virginia

When considering which individual plan to choose, its wise to consider your current health situation, usage level, and precise needs for health care coverage when selecting a plan. For example, if you plan to have a baby, look for plans with good maternity coverage and lower deductibles.

If you are generally healthy and dont often use insurance, look for a balance of premiums and deductibles that you can afford. You may be better off with a plan that charges a higher premium, has a lower deductible and makes it easier to see out-of-network specialists if you have a chronic health problem.

There are different kinds of plans that may fit your needs.

  • A Health Maintenance Organization plan offers lower overall costs but fewer options for getting health care. For example, you can only use in-network medical providers and will have a pre-assigned primary care provider. Youll need a referral from your PCP to see a specialist.
  • With a Preferred Provider Organization , youll pay a higher monthly premium, but youll have more flexibility. For example, you can use out-of-network providers, although it may cost a bit more. In addition, you wont need to obtain a referral to see a specialist or name a primary care physician.
  • A Point of Service Plan prices strike a balance between cost and choice. If you want to see a specialist, youll still need a referral, but you can see out-of-network providers if necessary.

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West Virginia Health Insurance Marketplace Enrollment

West Virginias Open Enrollment Period for 2022 Obamacare plans begins November 1, 2021 and ends on January 15, 2022. Slightly more than 19,000 residents signed up through the Marketplace .5This number is a slight drop from the previous year of just over 20,000.6

But if you have a qualifying life event before that date, you can still buy a 2022 plan.

What To Know About Health Insurance In West Virginia

Mon Health is West Virginia’s Leader in Heart & Vascular Care (Dr. Gharib)

For this study, the sample rates used by MoneyGeek are based on private plan data from the states insurance marketplace. You might be able to find more affordable options if you apply for a plan from the marketplace. Older residents of West Virginia, as well as individuals with low income, may also be eligible for Medicare and Medicaid. This is cheaper than private plans.

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How You Can Select The Very Best Health Insurance

If youre searching for the most effective health insurance, you might have many questions. The healthcare market may be complicated, and you can feel overcome from the numerous options obtainable. Thankfully, there are many assets to aid you navigate the industry and find the greatest health insurance plan for you personally. In this post, we are going to go over some of the most important queries that buyers ought to request before they obtain a health insurance plan. Well look at A.M. Very best Ranking, S& P Ranking, BBB Rating, number of plans supplied, individual out-of-pocket price, mobile app and a lot more.

Health Insurance Plans In West Virginia

The next factor to consider is the type of plan available to you. The most common options in the state are health maintenance organizations , preferred provider plans and point of service plans, though there are others available. In short, these plans provide coverage within a network of medical providers, though the amount of coverage and size of the network differs significantly from one provider to the next. However, when choosing health insurance policies in West Virginia, you should consider them all.

< qa> 1 Individual Health Insurance in West Virginia When it comes to purchasing a health insurance policy in West Virginia, it is always important to select a policy that reflects the type of coverage you need. Look for a provider offering coverage that includes your existing doctor or a high deductible plan that has less premium cost during the year.< /qa>

< qa> 2 Family Health Insurance in West Virginia In some situations, a family health insurance policy is best if you want to cover more than one person in the same policy. The costs are lower overall, and you will likely need to choose a policy that is more extensive in the network of providers available to you.< /qa>

< qa> 3 Short Term Health Insurance in West Virginia Any time you may have a period of time without health insurance coverage, temporary health insurance is an option. It provides coverage just for the length of time you need, such as before your new policy with an employer kicks in.< /qa>

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West Virginia Affordable Healthcare Insurance

In West Virginia there are several options available for health care coverage. If youre an individual or youre buying coverage for a family, you can get the coverage you need at the best prices by comparing health plan benefits and rates with SmartFinancial. Keep in mind that you may only enroll in a health plan during open enrollment, unless you are eligible for the Special Enrollment Period.

When Is Open Enrollment in West Virginia?

How to Get Health Insurance in West Virginia

You’ll want to have a good idea of what your health care needs for the next year will be based on the previous year. How often do you anticipate needing to see a doctor or specialists? Youll need this information to decide which type of coverage is right for you, and which level tier will be most economical. Sometimes, higher premiums end up saving you money if you see your providers more than a couple of times a year.

The easiest way to get the most competitive rates for the coverage you need is to compare health insurance companies and health insurance quotes. After you submit the form youll get several competing health insurance rates to choose from, and well connect you with an agent in your area so you can buy the coverage or ask questions about the plan youre considering.

What Types of Health Insurance Are Available in West Virginia?

Does Health Insurance Cover Pre-existing Conditions?

Compare Health Insurance Plans in West Virginia

Do I Qualify for a Special Enrollment Period?

Overview Of Health Insurance Companies In Virginia

VWC is proud to sponsor the Virginia Breast Health Equity Summit

Health insurance companies in Virginia are good, affordable, and live up to the expectation of the residents. Besides, you will be surprised at the various benefits your affordable health care plan could bring to you.

Most times, people search for health insurance coverage plans that can be affordable and useful to them but they end up getting discouraged and tired.

Also, lots of factors contribute to this discouragement people feel after setting about to get the services of health insurance companies.

Nevertheless, we are all about the bright sides of life and that includes talking about health insurance companies in Virginia. If you dont mind, lets get down to business.

To start with, a lot of health insurance companies have opened their doors for business in the state of Virginia. More so, they all provide health coverage plans but they are not very similar to each other. Health care plans vary from company to company.

You only have to carefully find out which company provides the coverage that is good for your needs.

For the good of everyone, we took out time to make some research about the health insurance companies in Virginia, and from our findings, you can decide on the company door youd likely be knocking on, or not.

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Health Insurance Plan Type

More coverage will cost you more in monthly premiums. Marketplace plans come in metal tiers: bronze, silver, and gold.

So, how much should you expect to pay for health insurance in the Mountain State? These are the average monthly premiums for a middle-aged WV resident in 2020:

2020 West Virginia Marketplace Plan Rates

Kaiser Family Foundation, Change in Average Marketplace Premiums by Metal Tier

Gold plans cost about 46 percent more than a bronze plan. Thats because gold plans cover 80 percent of medical costs, whereas bronze plans cover 60 percent of costs.

You may also qualify for a catastrophic plan, the lowest level of coverage available. Catastrophic plans have low monthly premiums but a yearly deductible of $8,150. Theyre essentially designed to save policyholders from medical bankruptcy. Because of this, you may save money in the long run with a bronze or silver plan if you use your health insurance.

Top Rated Health Insurance Plans In West Virginia

Each year NCQA rates more than 1,000 health insurance plans in all 50 states. Below is information on the top health insurance plans in West Virginia.

Health insurance ratings from the National Committee for Quality Assurance rate health plans on a scale from 0 to 5, based on clinical quality, member satisfaction and Accreditation survey results.

  • 1 West Virginia plan earned a top rating of 4.5 or 5.0.
  • That means 7 percent of West Virginia rated plans earned a top rating, tied for #16 among all states.

Dont see your plan listed here? See all NCQA Health Insurance Plan Ratings.


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Help With Marketplace Costs For Low

Prior to 2021, the federal government offered premium tax credits if you earned between 100% to 400% of the federal poverty level . This range stemed from $12,880 to $51,520 for a single West Virginia resident in 2021.8 Subsidies lower monthly premiums on any Marketplace plan. About nine out of 10 West Virginia enrollees received subsidies in 2020. The average amount was $835 per month.9

Thanks to the American Rescue Plan, all Americans on a Marketplace plan will not pay more than 8.5% of their total household income for ACA coverage. This regulation currently expires on December 31, 2022.

You may also qualify for cost-sharing reductions if you make up to 250% of the FPL, or $32,200 as a single adult.10 CSRs lower your out-of-pocket costs when you use your benefits. Savings only apply to silver plans. Among all enrollees in the state, half received CRSs.11

Word of Advice

West Virginia offers plenty of other options. Make sure the plan meets the needs and budget of you and your family.

Hospital & Doctor Insurance

Rural West Virginia Hospitals Struggle To Stay Open Amid Coronavirus Pandemic | NBC News NOW

Health ProtectorGuard fixed indemnity insurance,3 underwritten by Golden Rule Insurance Company, can supplement your major medical plan by paying cash for eligible, covered medical services, like a doctor visit, a trip to urgent care or a surgical procedure.

  • No deductibles or copays to pay first
  • Benefits paid regardless of other insurance
  • Money to pay costs not covered by major medical plans, like a deductible

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The Cheapest Health Insurance In West Virginia By County

Where you live in West Virginia impacts how much you pay for health insurance. The state is divided into 11 rating areas, and insurance providers charge different rates for each area.

The 11 rating areas cover the 55 counties within the state. The most populous county is Kanawha, with the cheapest Silver plan costing an average of $717 per month. This cost is for the Caresource Marketplace Low Premium Silver plan from Caresource.

You can search below for the cheapest plan for each metal tier within your county.

The average costs listed are for medical coverage for a 40-year-old male buying a health insurance plan within the stated county in the state.

Cheapest Health Insurance Plans in West Virginia by County

Sort by county:

Best Health Insurance In West Virginia

Now that you know more about the types of plans and what health insurance covers and doesnt cover, its time to review the best health insurance providers in West Virginia. Highmark, Caresource and UnitedHealthcare are the 3 largest providers in West Virginia, according to the Kaiser Family Foundation.

Provider size does matter because its indicative of your ability to easily access quality care. Here are the 5 best companies for health insurance in WV.

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West Virginia Health Insurance Plans Fit For Your Needs And Budget

Your healthcare needs and budget are as unique as you are. Thats why we offer West Virginia plans across a range of price levels. We can help you find a plan thats right for you, whether youre an individual who only needs emergency coverage or part of a large family with more extensive healthcare needs. Plus, financial assistance to help cover health insurance costs is available for those who qualify, so its easier to stay on budget and on top of your health.

What Factors Influence The Cost Of West Virginia Individual Health Insurance

Marshall County Resource Guide

Under the new health care law, insurance companies are only allowed to consider five factors when determining rates: for West Virginia residents, your location, age, tobacco use, plan type, and whether the policy covers dependents.

Where You Live – Yes, health insurance premiums vary from one state to the next and even neighborhood to neighborhood. The cost of living and the typical wage are two elements that influence how much you will pay for a health plan.

Your Age – Your age will impact your premiums, just like most insurance. When you get health insurance, the younger you are, the lower your rates will be.

Tobacco Use – The use of tobacco is very likely the one thing on this list that will cause you to pay more for insurance. Regarding health insurance, premiums can rise by upwards of 60% per month.

Individual vs. Family enrollment – Plan Category – Bronze, Silver, Gold, Platinum, and Catastrophicthe essential health benefits have to be the same in all Marketplace health plans

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