Find Affordable Health Insurance in West Virginia

The best health insurance plan is one that meets you and your family’s specific health needs. Insurance providers offer a wide range of policies so you can find the right combination of coverage and cost.

We’ve highlighted some of the standard types of health insurance in West Virginia to help you get started.

• Health Maintenance Organization (HMO): HMO plans have low premiums and deductibles. You must have a primary care physician and need to receive healthcare from providers within your network.
• Preferred Provider Organization (PPO): A PPO plan has higher premiums and deductibles, but offers more coverage options. You can receive healthcare outside of your network and don’t need a primary care physician.
• Point of Service Plan (POS): The POS is a more flexible version of an HMO plan. POS plans have slightly higher premiums and deductibles, and let you receive care outside of your network for an additional cost. You don’t need a primary care physician.
• High Deductible Health Plan (HDHP): A HDHP has a lower premium, but very high deductible, so they are often best if you don’t anticipate needing much healthcare.
• Exclusive Provider Organization (EPO): EPO plans have lower premiums and deductibles. You must receive healthcare from providers within your network, but you aren’t required to have a primary care physician.