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Short-term health insurance in West Virginia

West Virginia defaults to federal rules for short-term health plans

Buying a short-term health plan in West Virginia

West Virginia defaults to federal rules

West Virginia does not have regulations pertaining to the maximum duration for short-term health insurance plans, so the state defaults to the federal rules.

Limits on short-term plan duration in West Virginia

Until October 2, 2018, federal rules limited short-term plans to three months and renewals were not permitted. But the Trump Administration’s new short-term insurance rules allow the plans to have initial durations of up to 364 days, and renewals are permitted as long as the total duration of the coverage doesn’t exceed 36 months.

Insurers that offer short-term plans in the state are required to file rates and plans with the West Virginia Office of the Insurance Commissioner. The state passed legislation (SB273) in 2018 designed to reduce opioid utilization, and the Office of the Insurance Commissioner confirmed that the insurance-related provisions of that bill do apply to short-term plans.

Which insurers offer short-term plans in West Virginia?

  • Everest
  • Everest Prime
  • Golden Rule (UnitedHealthcare)
  • Independence American Life
  • LifeShield
  • National General
  • Standard Life
  • Companion Life

Louise Norris is an individual health insurance broker who has been writing about health insurance and health reform since 2006. She has written dozens of opinions and educational pieces about the Affordable Care Act for healthinsurance.org. Her state health exchange updates are regularly cited by media who cover health reform and by other health insurance experts.

More West Virginia coverage

Insurance Guide

A guide to health insurance in your state.

Exchange

News, history, and enrollment info for your state marketplace

Medicaid

Your state’s Medicaid expansion, eligibility, contacts

Medicare

Insurance for those over 64 (off-site)