West Virginia Health Insurance

To make the most of the breathtaking scenery found throughout West Virginia, residents know they need to maintain a good health insurance policy to keep them on their feet. The Simple Dollar has compiled a number of resources and information to guide consumers through the often confusing process of setting up a health insurance plan and maintaining coverage in the Mountain State.

Enter Your Zip Code:

Stats in Your State

Understanding the factors that affect your health insurance rates and premiums isn’t always a clear-cut endeavour, so we’ve provided some key stats and info in the graphs below. Read on to learn about the factors that affect health insurance in West Virginia, and to see how your health insurance rates compare with others in the region.

Chip Medicaid

From 2009 to 2010, enrollment in government-administered health insurance programs increased among West Virginians from 279,000 to roughly 285,000. The majority of West Virginians enrolled in such plans utilized Medicaid, and nearly 40,000 children of low-income families across the state benefit from CHIP plans.

Individual Health Insurance Premiums

Compared with neighboring states in the South Atlantic region, workers in West Virginia paid significantly less for health insurance in 2011. At $990 per year, West Virginia’s workforce paid approximately $100 less than the average U.S. worker.

Family Health Insurance Premiums

In addition to low-cost health insurance for workers, West Virginia families cost considerably less to insure compared with the average American household. At roughly $3,300 per year, families in the Mountain State cost approximately $660, or nearly 20%, less than the average U.S. family, and much less than families in neighboring states.

SAHIE Health Insurance Uninsured

The Census Bureau reports that between 2005 and 2010, over a quarter million West Virginia residents were living without insurance coverage on a yearly basis. The sheer volume of people going without basic health care treatment underlines the need for affordable options for health care in West Virginia.

Rules in Your State

Below readers will find details on the specific unfair trade practices prohibited by the state legislature. Insurers may not use such practices when settling claims, and this gives a basic set of rights to consumers against unfair treatment. If you suspect you’ve been victim of such practices, consult with an attorney and consider filing a complaint with the insurance commissioner.

West Virginia Rules: Alcohol & Your Health Insurance

West Virginia’s laws around treatment for alcohol-related disorders are very progressive when compared with most states. Insurers are required to cover treatment for alcohol-related disorders at reasonable costs, and are prohibited from denying benefits for treatment of injuries resulting from intoxication.

>West Virginia law specifically prohibits insurers from denying benefits for losses arising from intoxication.
Losses Due to Intoxication
Health Insurance Parity for Alcohol-Related Treatment
Health insurance coverage in West Virginia must cover treatment of alcohol-related disorders and provide the same levels of benefits for alcohol-related disorders as they do for medical and surgical conditions.
Health insurance plans that cover alcohol-related disorders MAY NOT be subject to higher deductibles, higher premiums, or more restrictive financial limits on lifetime treatment for alcohol-related disorders than for medical and surgical coverage.

Additional Information

Representatives & Resources in Your State

Because no one can be expected to know it all, we’ve listed several useful state resources to help West Virginia residents take full advantage of the options available to them. Contact the State Insurance Commissioner to learn more about consumer advocacy in West Virginia, and get in touch with the Department of Health and Human Resources for information about aid and assistance programs.

West Virginia Offices of the Insurance Commissioner
PO Box 50540
Charleston, WV 25305-0540
(304) 558-3386
Contact Information
Complaint Form
Consumer Insurance Brochures

West Virginia Children’s Health Insurance Program (CHIP)
Contact Information
The Children’s Health Insurance Program provides health care coverage for thousands of children of low-income families across West Virginia. Contact them to find out if you or someone you know qualifies for assistance.

West Virginia Department of Health and Human Resources
One Davis Square, Suite 100 East
Charleston, WV 25301
(304) 558-0684
Contact Form