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West Virginia health insurance exchange

west-virginia guide to health insurance

Only 4.2% of West Virginians remain uninsured

By
March 31, 2014

Open enrollment in West Virginia ends on March 31.  But HHS is allowing an extension for applicants who begin the process by that date, but are unable to complete their enrollment by the end of the day on March 31.  The extension is expected to be valid until mid-April, and applicants will have to attest to the fact that they tried to enroll by March 31 but were unable to finish because of technical problems or other extenuating circumstances.

Enrollment in private plans in the WV exchange picked up significantly in January and February.  By March 1, private plan selections had been finalized for 10,599 people – a 33% increase during February, coming on the heels of a 63% increase in January.

West Virginia is expanding Medicaid, and is using auto-enrollment directly through the state’s Medicaid program, in addition to Medicaid enrollment through the exchange.  The state has been working to contact residents who receive SNAP and WIC benefits, as well as households where some members were already receiving Medicaid benefits.  By letting these individuals know about the expanded Medicaid program, the outreach program has been wildly successful.  By mid-March, the number of new Medicaid enrollments in WV had grown to 98,000, out of an estimated total of 143,000 eligible people.  Between expanded Medicaid and new enrollment in private plans through the exchange, West Virginia’s uninsured population dropped from 13.5% of the overall population to 4.2% in mid-February (and has continued to fall since then), demonstrating the effectiveness of a coordinated and automated Medicaid expansion effort.

After first developing plans to operate a state-run health insurance exchange, West Virginia submitted a blueprint for a partnership exchange to the U.S. Department of Health and Human Services (HHS). The blueprint for the West Virginia Health Insurance Marketplace was approved in March 2013.

Gov. Earl Ray Tomblin’s administration cited cost, particularly the expense associated with information technology systems, as a key factor in deciding against a state-run exchange. Administration officials also said the partnership gives the state some control over the exchange.

Under the partnership, West Virginia is responsible for regulating the companies that sell health insurance policies on the exchange.  Highmark Blue Cross Blue Shield is the only carrier offering coverage – a total of eleven different plans – in the West Virginia exchange.  Carelink/Coventry Health had also been approved as a QHP, but pulled out in September 2013.  The lowest cost bronze plan in the WV exchange costs an average of $280/month, higher than the national average of $249.  After four months of open enrollment, 84% of enrollees in private plans in the West Virginia exchange had received premium subsidies – very close to the national average of 83%.

The state also oversees the In-Person Assister (IPA) program. Assisters will be under contract with the state and provide individuals impartial help with the enrollment process.  In November, the state announced that it would be hiring an additional 100 people to help residents enroll in the exchange and the state’s expanded Medicaid program.

The West Virginia Offices of the Insurance Commissioner (OIC) estimates that between 40,000 and 60,000 West Virginians will purchase insurance through the exchange.  According to Kaiser’s State Health Facts, 14 percent of West Virginians — about 260,000 people — were uninsured in 2013.  But by February 2014, that number had fallen to 4.2%.

Contact the exchange

West Virginia residents will enroll through the federally facilitated exchange; enrollment runs October 1, 2013 through March 31, 2014

HealthCare.gov
800-318-2596

West Virginia health insurance exchange links

West Virginia Health Reform Resources

State Exchange Profile: West Virginia
The Henry J. Kaiser Family Foundation overview of West Virginia’s progress toward creating a state health insurance exchange.

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Voice your concerns to your
West Virginia elected officials

tell your elected officials

Let your West Virginia governor and legislators know how you feel about the state’s proposed health insurance exchange.

West Virginia Governor Earl Ray Tomblin
1900 Kanawha Boulevard, E.
Charleston, WV 25305
PHONE: toll-free 1-888-438-2731
Contact by e-mail

Contact your West Virginia State Senator
Contact your West Virginia State Representative