Medicaid eligibility and enrollment in West Virginia

Many Medicare beneficiaries receive assistance from Medicaid with Medicare premiums, prescription drug costs, and expenses not covered by Medicare – including long-term care.

Our guide to financial assistance for Medicare enrollees in West Virginia includes overviews of these benefits, including Medicaid long-term care coverage, Medicare Savings Programs, and eligibility guidelines for assistance.

The federal COVID-related continuous coverage rule for Medicaid was in effect for three years, from March 2020 through March 2023. This ended March 31, 2023, and states were able to start disenrolling people from Medicaid at that point, during a process referred to as “unwinding.”

States had the option to begin the unwinding period in February, March, or April 2023, with disenrollments resuming roughly two months later for people who are no longer eligible or who fail to respond to a renewal information request. West Virginia opted to begin right away, with renewal notices sent out starting in February 2023, and the first round of disenrollments in April 2023.

(West Virginia continued to process eligibility redeterminations throughout the pandemic, but did not disenroll anyone who was no longer eligible or who didn’t respond to the renewal notice. So the renewal notices that went out starting in February 2023 were the first that could result in disenrollment since before the pandemic.)

West Virginia’s Medicaid unwinding plan can be seen here, FAQs are here, and renewal/disenrollment data was updated on this page throughout the unwinding period. Roughly 7% to 10% of the state’s total Medicaid population had their eligibility redetermined each month during the unwinding period.

In April 2024, West Virginia reported that they had completed the unwinding process. At that point, coverage had been renewed for 279,952 people, while 207,674 people had been disenrolled.⁵

Most of the people who lost Medicaid are eligible for employer-sponsored health coverage or for a subsidized plan through the West Virginia exchange/marketplace (HealthCare.gov). Enrollment windows for employer-sponsored coverage are time-limited. HealthCare.gov is offering an extended enrollment window — through November 30, 2024 — for people who lose Medicaid during the unwinding of the Medicaid continuous coverage rule.⁷

In 2023 and again in 2024, legislation was introduced in West Virginia to create a Basic Health Program (available to people ineligible for Medicaid but with income up to 200% of the poverty level) and possibly a Medicaid buy-in program that would allow people to purchase Medicaid coverage if they don’t meet the income guidelines for the program.

But the legislation did not succeed. The 2023 bills were H.B.3274, which passed in the House but did not advance in the Senate, and  S.B.610. The 2024 legislation was H.B.5580, which did not advance.

SB564 was signed into law in West Virginia in 2019. The legislation called for CHIP coverage in West Virginia to be expanded to include pregnant women. CHIP eligibility for kids in West Virginia already extended to households with income up to 300% of the poverty level, and that’s the same level that now applies to pregnant women as well. The new CHIP coverage for pregnant women took effect on July 1, 2019 in West Virginia.

Only five other states (Colorado, Missouri, New Jersey, Rhode Island, and Virginia) provide CHIP coverage to pregnant women, but there are numerous states with fairly high income limits for pregnant women to qualify for Medicaid (for example, Medicaid coverage is available to pregnant women in Iowa with household income as high as 375% of the poverty level; in DC, it’s 318%).¹

And starting in 2022, West Virginia extended postpartum Medicaid/CHIP coverage to 12 months, so a person who is pregnant and covered under Medicaid or CHIP can keep that coverage for 12 months after giving birth, instead of having their coverage end 60 days post-birth. The American Rescue Plan provided additional federal funding for states to extend postpartum Medicaid coverage to 12 months (that was temporary, but the Consolidated Appropriations Act enacted in late 2022 made it permanent) and most states have chosen to do so.⁸

As of late 2017, West Virginia’s Department of Health and Human Resources was considering the possibility of seeking a waiver from the federal government in order to implement a work requirement for the state’s Medicaid expansion population. Legislation (HB3136) to create a work requirement was considered in the 2019 legislative session, but it was criticized by consumer advocates and did not advance to a vote.

Although work requirements were a non-starter with the Obama administration, the Trump administration approved them in several states. But the work requirements were either overturned by judges or suspended due to the COVID pandemic, and all of the approved work requirement waivers were revoked by the Biden administration.

The opioid crisis has hit West Virginia particularly hard, and the state has the nation’s highest drug overdose death rate. About 22,000 people covered under expanded Medicaid had received treatment for mental health and substance abuse disorders by early 2017. Without Medicaid expansion, most of those people would have been uninsured and unable to access treatment.

West Virginia’s former Governor, Earl Ray Tomblin, was instrumental in West Virginia’s acceptance of Medicaid expansion but was term-limited and could not seek re-election in 2016.

Governor Jim Justice took office in January 2017. He campaigned and was elected as a Democrat, but in the summer of 2017, during his first year in office, he switched to the Republican party. Justice reiterated his support for Medicaid expansion in the weeks leading up to his party switch, stating in late June 2017 that it would be “beyond catastrophic” if the people who had gained coverage under Medicaid expansion were to lose it. But Justice also vetoed a supplemental appropriation for the state’s Medicaid program in 2019, saying that the Medicaid program already had enough funding.

Expansion of Medicaid has played a primary role in West Virginia’s sharp reduction in the uninsured rate. According to a 2014 Gallup survey, West Virginia had the sixth-highest drop in uninsured rate during the first half of 2014, due primarily to Medicaid expansion.

According to U.S. Census data, the state’s uninsured rate was 14% in 2013, and had fallen to 5.3% by 2016. It had increased to 6.7% by 2019, however, mirroring the nationwide trend of increasing uninsured rates under the Trump administration. But the uninsured rate began to decrease again in subsequent years,⁹ and was under 6% by 2022.¹⁰

West Virginia’s uninsured rate had been similar to the U.S. average (14.5%) in 2013, but the state’s uninsured rate has since been consistently below the national average. West Virginia’s better-than-average performance in reducing the uninsured rate was due in large part to the expansion of Medicaid.

Medicaid expansion initially significantly exceeded the 93,000 people that West Virginia had projected to enroll by 2020 under the expanded eligibility guidelines (note that the Kaiser Family Foundation had put the estimate for newly eligible West Virginians higher, at 143,000 people), but enrollment declined after peaking in 2016. The total number of people enrolled under expanded Medicaid declined slightly by January 2017, to 174,026, and declined further, to 165,917, by March 2018.

But it had grown to 223,596 by 2022, due in large part to the COVID pandemic and the continuous coverage requirement that was in effect from March 2020 through March 2023. Disenrollments resumed after that, and total Medicaid enrollment in the state dropped significantly by early 2024.

Opponents of Medicaid expansion predicted that states with a surge in Medicaid enrollment would find that Medicaid patients were unable to get appointments for primary care, but West Virginia doctors weren’t indicating that was a problem when enrollment initially spiked. Instead, some of their challenges include a significant population of newly-insured people who are requesting pain medication at office visits, and patients who have previously been on free drug samples and need to be switched to another drug that’s covered by Medicaid. Despite the unexpectedly large enrollment in Medicaid expansion — combined with the fact that the state began paying a portion of the Medicaid expansion costs starting in 2017 — West Virginia’s Medicaid budget had a surplus as of early 2019.

According to data compiled by West Virginians for Affordable Health Care, hospitals in West Virginia saw a 40% decline in uncompensated care costs from 2013 to 2014, thanks in large part to Medicaid expansion that resulted in far fewer uninsured residents in the state.

But although the hospitals acknowledge that their uncompensated care and charity care costs have declined significantly, some also note that Medicaid reimbursements are less than the cost of providing care, and that their losses on Medicaid volume are offsetting the improvements they’ve seen in uncompensated care.

West Virginia had initially considered setting up a state-run exchange, but later opted for a partnership exchange, citing cost as one of the reasons for avoiding a fully state-run exchange.

State leaders have said that given the choice between a state-run exchange and Medicaid expansion, the latter seemed like it would provide more bang for the buck (and judging by the state’s extremely successful Medicaid enrollment in 2014, it would appear they were correct).

In May 2013, then-Governor Earl Ray Tomblin announced that West Virginia would proceed with Medicaid expansion. Enrollment for newly-eligible residents began on October 1, 2013, with coverage effective January 1, 2014.