West Virginia open enrollment 2027 Open enrollment · West Virginia

West Virginia Open Enrollment 2027 for People Over the Subsidy Line

Last updated November 3, 2026 · By Frank Caballero, licensed health insurance broker

Short answer

For people earning over the subsidy line in West Virginia, open enrollment for 2027 coverage runs November 1, 2026 to January 15, 2027 on HealthCare.gov, and December 15 is the date to choose by for a January 1 start. Above the line, a private, medically underwritten plan is priced on health instead of income, and if approved it can start the first of any month.

What 2027 looks like for you

West Virginia's average 2027 rate change is 14.9% (finalized). The details are on the West Virginia 2027 premium increase page.

The 2027 subsidy line is 400% of the federal poverty level: $63,840 for one person, $86,560 for two, $109,280 for three and $132,000 for four. One dollar over it and every Marketplace plan in West Virginia is full price, at every metal level, with an out-of-pocket cap of $12,000 for one person and $24,000 for a family.

West Virginia this year

West Virginia's final 2027 Marketplace increase averages 14.9%, cut from the 17.3% to 18.3% proposed. The individual market is small, and one insurer carries most of it. Above 400% of poverty, buyers include Eastern Panhandle households in Martinsburg who commute toward the DC area, remote workers who relocated with out-of-state salaries, natural gas contractors, and healthcare consultants and business owners in Morgantown and Charleston. For a couple the line is $86,560, and a DC-area paycheck can put a household well past it. Enroll through HealthCare.gov by December 15 for January 1; the window closes January 15, 2027.

One thing to do before you choose

If you moved to West Virginia for remote work and kept a big-city salary, you're now buying in a small market with limited choices, and you pay every dollar. That's a good reason to look beyond the Marketplace. Ask me for a private, medically underwritten plan alongside your renewal. It's priced on age, ZIP code and health, approval depends on your answers, and benefits differ by plan. Also confirm where you'd go for specialty care, whether that's Morgantown or the DC area, and check those doctors by name.

Your checklist

How far above the line your 2027 household income will land
The full-price West Virginia premium at each metal level
Everyone's health, for a private quote
Doctors you want to keep, checked in every network

Private plan or Marketplace?

Private plan

Healthy and well above the line: priced on age, ZIP code and health instead of earnings. Approval depends on health answers; not an ACA Marketplace plan.

Marketplace

Ongoing care, or income you can bring back under the line: HealthCare.gov must accept you, and below the line the subsidy returns.

Compare West Virginia plans this open enrollment

Private plans priced first, the Marketplace alongside when it fits. Phone or video, English or Spanish, no fee.

Get a quote Book a call (786) 218-2384

About your broker

Frank Caballero (NPN 21032307), licensed in 31 states including West Virginia. Phone or video, English or Spanish, no fee; independent, not HealthCare.gov or any government agency.

Questions

When is the 2027 open enrollment deadline in West Virginia?

January 15, 2027 on HealthCare.gov. Choose by December 15, 2026 for coverage that starts January 1; plans picked after that start February 1.

I live in Martinsburg and work in Maryland. Do I buy coverage in West Virginia or Maryland?

Individual coverage follows where you live, so you'd buy a West Virginia plan through HealthCare.gov or a private plan for your West Virginia ZIP code. What matters next is whether that plan's network includes doctors near your job. I check that by name before you apply.

Can I get a private plan in West Virginia after open enrollment closes?

Yes. You can apply in any month and, if approved, a private plan can start the first of a month; the insurer can decline based on health answers.

More for West Virginia

Official sources: HealthCare.gov, the federal Marketplace; HealthCare.gov: special enrollment periods. FC Insurance Solutions is an independent, licensed brokerage and is not affiliated with any government agency.

Written by Frank Caballero, licensed health insurance broker in West Virginia and 30 other states, NPN 21032307. Last updated November 3, 2026.