How much does health insurance cost in West Virginia in 2026?

Real prices from the official 2026 HealthCare.gov plan file for all 55 counties in West Virginia, plus tax-credit examples and private plan ranges.

Cheapest Bronze, age 40

$682/mo

lowest county, full price

Silver benchmark, age 40

$1,094/mo

typical county

Insurers

on HealthCare.gov

Plans

distinct plans statewide

Counties

in this state

Monthly premiums by tier and age

Tier	Age 21	Age 30	Age 40	Age 50	Age 60
Bronze	$618–$678	$701–$770	$790–$867	$1,104–$1,211	$1,677–$1,841
Silver	$826–$911	$938–$1,034	$1,056–$1,165	$1,475–$1,628	$2,242–$2,473
Gold	$767–$868	$870–$986	$980–$1,110	$1,369–$1,551	$2,080–$2,357
Platinum	$1,447–$1,450	$1,642–$1,646	$1,849–$1,853	$2,584–$2,589	$3,926–$3,935

Typical county range (median of county lows to median of county highs), full price, from the CMS 2026 plan file. The cheapest county goes as low as $682 for a 40-year-old on Bronze; the most expensive county reaches $1,989 on Platinum.

Ranges at a glance (age 40)

What a tax credit does (in Kanawha County, the state's most populous county)

Household	% of poverty level	Estimated tax credit	Cheapest Bronze, full → after credit
A single 40-year-old earning $40,000	255%	$807/mo	$790 → $0
A family of four (parents 40 and 38, two kids) earning $85,000	264%	$2,841/mo	$2,505 → $0

2025 federal poverty guidelines apply to 2026 coverage; the enhanced credits of 2021–2025 expired, so the 400% cutoff is back (for one person that is $62,600 a year, for four $128,600). The Marketplace sets the final credit.

See your own numbers for West Virginia

Enter your age, household and income and get every Marketplace plan priced for you, your estimated tax credit, and a private plan range, side by side, in about 30 seconds. No medical questions.

Show my price ranges

Private plans in West Virginia

Age	Man, monthly range	Woman, monthly range
30	$53–$329	$128–$428
40	$120–$458	$153–$506
50	$243–$530	$227–$519
60	$396–$725	$331–$657

A family of four (parents 40 and 38 with two children) is typically quoted $481 to $958 a month in West Virginia. Private plans are not ACA plans: no tax credit, health questions on the application, and pre-existing conditions can raise the price or be excluded. Deductibles are usually lower than the cheapest Marketplace tiers and you can enroll any month of the year.

West Virginia counties

County	Plans	Insurers	Cheapest Bronze, 40	Silver benchmark, 40
Kanawha County	37	2	$790	$1,094
Berkeley County	37	2	$682	$944
Monongalia County	37	2	$769	$1,065
Cabell County	37	2	$848	$1,175
Wood County	37	2	$835	$1,157
Raleigh County	37	2	$790	$1,094
Harrison County	37	2	$769	$1,065
Jefferson County	37	2	$682	$944
Mercer County	37	2	$790	$1,094
Putnam County	37	2	$848	$1,175
Marion County	37	2	$769	$1,065
Ohio County	37	2	$748	$1,036
Fayette County	37	2	$790	$1,094
Wayne County	37	2	$848	$1,175
Preston County	37	2	$769	$1,065
Greenbrier County	37	2	$790	$1,094
Logan County	37	2	$790	$1,094
Marshall County	37	2	$748	$1,036
Hancock County	37	2	$748	$1,036
Jackson County	37	2	$835	$1,157
Randolph County	37	2	$769	$1,065
Mineral County	37	2	$682	$944
Mason County	37	2	$848	$1,175
Nicholas County	37	2	$790	$1,094
Hampshire County	37	2	$682	$944
Upshur County	37	2	$769	$1,065
Mingo County	37	2	$790	$1,094
Brooke County	37	2	$748	$1,036
Boone County	37	2	$790	$1,094
Wyoming County	37	2	$790	$1,094
Lincoln County	37	2	$790	$1,094
Morgan County	37	2	$682	$944
McDowell County	37	2	$790	$1,094
Lewis County	37	2	$769	$1,065
Taylor County	37	2	$769	$1,065
Barbour County	37	2	$769	$1,065
Hardy County	37	2	$682	$944
Wetzel County	37	2	$769	$1,065
Roane County	37	2	$790	$1,094
Monroe County	37	2	$790	$1,094
Braxton County	37	2	$790	$1,094
Summers County	37	2	$790	$1,094
Grant County	37	2	$682	$944
Ritchie County	37	2	$835	$1,157
Webster County	37	2	$769	$1,065
Tyler County	37	2	$835	$1,157
Clay County	37	2	$790	$1,094
Pocahontas County	37	2	$769	$1,065
Doddridge County	37	2	$769	$1,065
Pleasants County	37	2	$835	$1,157
Gilmer County	37	2	$769	$1,065
Tucker County	37	2	$769	$1,065
Pendleton County	37	2	$682	$944
Calhoun County	37	2	$790	$1,094
Wirt County	37	2	$835	$1,157

Questions people ask

How much is health insurance in West Virginia per month?

For a 40-year-old paying full price in 2026, Marketplace Bronze plans typically run $790 to $867 a month across West Virginia counties, Silver $1,056 to $1,165, and the silver benchmark that tax credits are based on is about $1,094. Most people who qualify for a credit pay far less; see the examples above.

Does West Virginia have Medicaid expansion?

Yes. Households under 138% of the federal poverty level are generally covered by Medicaid rather than a Marketplace credit.

Where do West Virginia residents enroll in a Marketplace plan?

West Virginia uses HealthCare.gov. Open Enrollment for 2027 runs November 1 to mid-January; outside that window you need a qualifying life event.

Are private health plans cheaper than the Marketplace in West Virginia?

Often, for healthy households that do not qualify for a tax credit. A healthy 40-year-old man is typically quoted $120 to $458 a month on private plans in West Virginia, versus $790 to $867 for Marketplace Bronze at full price. Private plans are medically underwritten and are not ACA plans, so anyone with a tax credit or ongoing conditions usually does better on the Marketplace.

Sources: CMS QHP Landscape PY2026 Individual Medical (data.healthcare.gov, snapshot August 4, 2026); HHS 2025 poverty guidelines; IRS Rev. Proc. 2025-25; private ranges from the carrier rate tables our advisors quote from. Page generated 2026-09-29.