West Virginia · 2026 plan year

Medicare Advantage plans in West Virginia

West Virginia has 59 Medicare Advantage plans from 8 carriers, averaging 3.66 out of 5 stars across the 55 plans CMS has rated. The first real decision is HMO or PPO — how far you can go outside the plan’s network, and what that freedom costs.

59
Medicare Advantage plans
8
Carriers
55
Counties covered
3.7
Avg stars (55 of 59 rated)
A $0 plan premium is not a free plan. You still pay your Part B premium to Medicare, plus copays and coinsurance as you use care. CMS publishes star ratings per contract, so plans a carrier files under one contract all share a rating.

West Virginia PPO plans rank 31st of 51 on star rating.

Across the 44 rated plans here the average overall rating is 3.75 stars, 31st highest of the 51 states with PPO plans. Ratings apply to the contract, so every plan a carrier files under one contract shares the same score.

By plan type

HMO and PPO in West Virginia, compared

Plan typePlansCarriersAvg starsAvg out-of-pocket max
HMO1563.32$8,183
PPO4463.75Not published
Also available

Other Medicare coverage

Every figure on this page covers HMO and PPO plans. A small number of PFFS and Cost plans are sold in some states and are not included above — there are too few nationally (71 across 17 states) to compare meaningfully. Standalone Part D drug plans and PACE programmes are different products entirely and are not Medicare Advantage; you can find any available on the full West Virginia plan list.

Other states

Compare another state

All 51states → · Medicare Advantage vs Original Medicare

Stars are one signal.
Your care is the rest.

Simplivera scores every West Virginia plan against how much care you actually expect to use.

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