West Virginia Health Insurance (WV)

Choose from the list below to learn more about specific health insurance providers in West Virginia. Read on to learn about health insurance regulations in your state. Or enter your zip code in the box to the right to request a health insurance quote.

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Health Insurance Providers in West Virginia (WV)

Assurant Health (formerly Fortis)
Fairmont Specialty Group
Mountain State Blue Cross Blue Shield

Individual Health Insurance in West Virginia (WV)

Individual health insurers may turn down your application for individual coverage because of a health problem, except if you are HIPAA eligible. HMOs have open enrollment periods when you cannot be turned down for coverage, except with certain exceptions. Individual insurers can review your medical records for the prior two years before coverage and attach elimination riders to policies. Pregnancy can be considered pre-existing. The cost of an individual policy is not limited in West Virginia, nor are there limits at the time of renewal. If you get sick, your policy cannot be cancelled.

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Group Health Insurance in West Virginia (WV)

Group health insurance in West Virginia cannot be denied to you because of a health problem, provided you are eligible. You can also not be charged more. Due to life changes involving family or job loss, you may be entitled to special opportunities for group coverage. Employers may wait to offer group coverage to new employees and new HMOs can impose affiliation periods. Group insurers are allowed to look back at your medical records for the six months prior to coverage. If you have a pre-existing condition, they can exclude it from the beginning of new coverage for a maximum of 12 months. If you have kept continuous insurance coverage, with no break of more than 63 days, you will be given creditable coverage.

Small Business Health Insurance in West Virginia (WV)

Small businesses cannot be rejected for small group health policies and cannot have their insurance cancelled due to illness of the employees. Based on the characteristics and health of your employees, your premium can be higher.

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Self-Employed Health Insurance in West Virginia (WV)

The self-employed are allowed small group insurance. For individuals, self-employed, and small businesses who are thinking of joining professional associations for the purpose of acquiring their group coverage, it is recommended you contact the West Virginia Insurance Commissioner first.

West Virginia Insurance Commissioner
1124 Smith Street
Charleston, WV 25305
(888) 879-9842
www.wvinsurance.gov

West Virginia Programs (WV)

Medicaid and State Child Health Insurance Plan are two of the programs which assist low income residents.

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