Before subsidies, the average benchmark silver plan for a 40-year-old in West Virginia costs $1,185 a month for 2027, against a national average of $704. Premium tax credits lower that for many households.
This page lists health insurance agents across West Virginia by city. Every listing shows distance and address, and every city page explains local plan costs. For a side-by-side comparison of carriers, call 866-645-8540 to reach a licensed agent.
How health insurance works in West Virginia
People in West Virginia buy marketplace coverage through HealthCare.gov. Open enrollment runs from November 1 through January 15. West Virginia Medicaid covers adults with income up to 138% of the poverty level. For 2027, marketplace plans in West Virginia come from 1 insurer: Highmark Blue Cross Blue Shield West Virginia. Not every insurer sells in every county. Short-term health plans are sold in the state, though they are not ACA-compliant coverage.
Agent licensing in West Virginia
- The West Virginia Offices of the Insurance Commissioner is the state's insurance regulator. Its Consumer Services unit handles consumer complaints, including through an online complaint form. Source
- West Virginia's Offices of the Insurance Commissioner uses the NAIC State Based Systems online license lookup, where anyone can check an agent's license. Source
- West Virginia producer licenses include an Accident and Health or Sickness line of authority, which is the line that covers selling health insurance. Source
Free enrollment help in West Virginia
HealthCare.gov Marketplace assisters: CMS-funded Navigator organizations plus Certified Application Counselors, who give free, impartial help applying and enrolling; consumers search for nearby help with the HealthCare.gov Find Local Help tool. You can search for in-person help on the official find-help page. If you'd rather have someone compare plans and recommend one, a licensed agent can do that at no cost to you.
Licensed agents can quote plans from multiple West Virginia carriers in one call.
Call 866-645-8540Agents by city in West Virginia
- Beckley
- Bluefield
- Bridgeport
- Brookhaven
- Buckhannon
- Charles Town
- Charleston
- Cheat Lake
- Clarksburg
- Cross Lanes
- Dunbar
- Elkins
- Fairmont
- Grafton
- Huntington
- Hurricane
- Keyser
- Lewisburg
- Logan
- Martinsburg
- Morgantown
- Moundsville
- New Martinsville
- Nitro
- Oak Hill
- Parkersburg
- Pea Ridge
- Point Pleasant
- Princeton
- Ranson
- Shepherdstown
- South Charleston
- St. Albans
- Teays Valley
- Vienna
- Weirton
- Wheeling