SimpliveraCoverage Companion
West Virginia · 2026 plan year

Silver health insurance plans in West Virginia (2026)

There are 13 Silver plans on the West Virginia Marketplace from 2 insurers, and they are not interchangeable — premiums run from $713 to $787 a month for the same metal tier. Here is what separates them.

13
Silver plans
2
Insurers
Statewide
Counties covered
$713
Cheapest premium
$5,000
Median deductible
These are benchmark premiums, not your price. Every dollar figure here is the individual rate at age 21 for a non-tobacco user, before any premium tax credit — the standard way plans are compared like for like. What you actually pay depends on your age, county, household and income. Estimate your real cost.

In West Virginia, Silver costs more than Gold.

The average Silver plan in West Virginia runs $753 a month against $694 for Gold — $59 more for a tier that covers a smaller share of your care. That inversion is silver loading: the cost of the extra cost-sharing reductions insurers must build into Silver plans is priced into every Silver premium, including yours if you do not qualify for them.

Only two insurers sell Silver plans in West Virginia.

All 13 Silver plans on the West Virginia Marketplace come from CareSource and Highmark Blue Cross Blue Shield West Virginia. With the whole tier split between two carriers, the network question comes first: confirm which of the two covers your providers, then compare plan designs inside that one.

Metal tiers describe roughly what share of covered costs a plan pays, not the quality of its care or network. How the metal tiers actually differ walks through the trade, and how ACA subsidies work explains why the prices below are rarely what anyone pays.

Cost

What a Silver plan costs in West Virginia in 2026

Across all 13 Silver plans in West Virginia, monthly premiums run from $713 to $787, averaging $753. Those are age-21, non-tobacco rates before any subsidy — the basis every figure on this page uses, and rarely what anyone actually pays. Premium tax credits cut that bill for most West Virginia enrollees, often to a fraction of the sticker price.

Deductibles

Silver plan deductibles in West Virginia

Silver deductibles in West Virginia run from $0 to $6,200, with a median of $5,000 across all 13 plans — the amount you pay yourself before the plan starts sharing most costs. The median is the closest thing to a typical plan; the mean sits at $4,646 because the spread is not symmetric. Some West Virginia Silver plans file a $0 deductible and charge copays from the first visit instead, which is what pulls the low end of that range to zero. No single figure is a quote — the table below shows the real deductible on each of the cheapest plans, and the insurer breakdown shows how the range splits by carrier.

Out-of-pocket maximum

Silver out-of-pocket maximums in West Virginia

Individual out-of-pocket maximums on West Virginia Silver plans run from $8,900 to $9,800, with a median of $9,500. That is the ceiling on what a plan can make you pay in a year for covered in-network care — after you reach it, the plan pays 100% of covered services. It is the number that matters most in a bad year, and the top of the range here is set by the federal limit that applies to every Marketplace plan, not by the insurer.

Lowest premiums

The cheapest Silver plans in West Virginia

PlanPremium / mo (age 21, pre-subsidy)DeductibleOut-of-pocket max
my Blue Access WV PPO Standard Silver 6000Highmark Blue Cross Blue Shield West Virginia$713$6,000$8,900
Low Premium Silver 6200 $3 Generic DrugsCareSource$739$6,200$9,800
Healthy Heart Silver 5000 $0 Chronic Care Drugs & ServicesCareSource$741$5,000$9,500
Low Premium Silver 6200 $3 Generic Drugs + Adult Vision & FitnessCareSource$742$6,200$9,800
Healthy Heart Silver 5000 $0 Chronic Care Drugs & Services + Adult Vision & FitnessCareSource$744$5,000$9,500

Showing 5 of 13. See all West Virginia Silver plans →

Who sells here

Silver plans by insurer

InsurerSilver plansCheapestTier averageDeductible range
CareSource10$739$751$5,000–$6,200
Highmark Blue Cross Blue Shield West Virginia3$713$758$0–$6,000
Other tiers in West Virginia

How Silver compares to the rest

Bronze
Avg $562 · from $533
8 plans
Silver
Avg $753 · from $713
13 plans · you are here
Gold
Avg $694 · from $662
13 plans

All West VirginiaMarketplace plans →

Nearby on price

States with similar Silver premiums

Nebraska
Avg $654
60 Silver plans
Alaska
Avg $791
4 Silver plans
Wyoming
Avg $844
9 Silver plans
Common questions

West Virginia Silver plans, answered

What are the copays on West Virginia Silver plans?
Copays vary plan by plan rather than by tier — the metal level sets roughly what share of total care costs the plan covers, not the individual amounts. What the tier does bound is the rest of the cost-sharing: across the 13 Silver plans in West Virginia, out-of-pocket maximums run $8,900 to $9,800, and deductibles on all 13 plans run $0 to $6,200. Open any plan below to see its full cost-sharing schedule, including primary care, specialist and prescription tiers.
Who is eligible for a Silver plan in West Virginia?
Anyone eligible to buy Marketplace coverage in West Virginia can pick a Silver plan — there is no separate test for the tier. What Silver uniquely unlocks is cost-sharing reductions, available if your household income is roughly 100–250% of the federal poverty level. Those reductions apply only to Silver plans, which is why Silver is usually the right choice at those incomes even though its sticker price here ($753 a month on average) is higher than Gold in some states.
What is the deductible on West Virginia Silver plans?
Silver deductibles in West Virginia run from $0 to $6,200 across all 13 plans, with a median of $5,000 — that median is the figure closest to a typical plan. Out-of-pocket maximums run $8,900 to $9,800. The spread inside a single tier is wide, so two plans at a similar premium can differ by thousands in what you would actually pay during a year with significant care. Deductible is usually a better basis for comparison than premium alone.
Are Silver plans available in my West Virginia county?
Silver plans are sold statewide across West Virginia, from 2 insurers. Which specific plans you can buy depends on where you live — a plan offered in a metro county is often not sold in a rural one. Enter your ZIP code to narrow the list to plans actually available to you.
When can I enroll in a Marketplace plan in West Virginia?
West Virginia uses the federal Marketplace, so open enrollment runs November 1 to January 15. Outside that window you need a qualifying life event — losing job-based coverage, moving, marriage, or a birth — to open a special enrollment period. Cheapest Silver premiums in West Virginia start at $713 a month before any subsidy.

Stop comparing sticker prices.
See what you would actually pay.

Simplivera simulates a full year of your real costs across all 13 West Virginia Silver plans.

Estimate my costs — it’s free →