2026 plan year · West Virginia
2026 health insurance plans in Morgan County, WV
37 Marketplace plans from 2 insurers. Premiums below are full monthly prices before tax credits. Use the age columns to see how price changes with age.
- $944benchmark silver (age 40)
- $682cheapest bronze (age 40)
- 2insurers
- +16.7%benchmark change vs. 2025
Bronze plans
| Plan | Age 21 | Age 40 | Age 60 | Deductible | Out-of-pocket max | Doctor visit |
|---|---|---|---|---|---|---|
| my Blue Access WV PPO Bronze 9200 Highmark Blue Cross Blue Shield West Virginia · PPO | $533 | $682 | $1,448 | $9,200 | $9,200 | No Charge after Deductible |
Expanded Bronze plans
| Plan | Age 21 | Age 40 | Age 60 | Deductible | Out-of-pocket max | Doctor visit |
|---|---|---|---|---|---|---|
| Low Premium Bronze 10600 $25 Generic Drugs CareSource · HMO | $546 | $698 | $1,483 | $10,600 | $10,600 | No Charge after Deductible |
| Low Premium Bronze 10600 $25 Generic Drugs + Adult Vision & Fitness CareSource · HMO | $549 | $702 | $1,490 | $10,600 | $10,600 | No Charge after Deductible |
| my Blue Access WV PPO Standard Bronze 7500 Highmark Blue Cross Blue Shield West Virginia · PPO | $558 | $714 | $1,516 | $7,500 | $10,000 | $50 |
| my Blue Access WV PPO Bronze 3800 Highmark Blue Cross Blue Shield West Virginia · PPO | $566 | $723 | $1,535 | $3,800 | $9,900 | $65 |
| my Blue Access WV PPO Bronze 3800 + Adult Dental and Vision Highmark Blue Cross Blue Shield West Virginia · PPO | $579 | $740 | $1,571 | $3,800 | $9,900 | $65 |
| Bronze 7500 $25 Generic Drugs CareSource · HMO | $583 | $745 | $1,581 | $7,500 | $10,000 | $50 |
| Bronze 7500 $25 Generic Drugs + Adult Vision & Fitness CareSource · HMO | $585 | $748 | $1,589 | $7,500 | $10,000 | $50 |
Silver plans
| Plan | Age 21 | Age 40 | Age 60 | Deductible | Out-of-pocket max | Doctor visit |
|---|---|---|---|---|---|---|
| my Blue Access WV PPO Standard Silver 6000 Highmark Blue Cross Blue Shield West Virginia · PPO | $713 | $911 | $1,935 | $6,000 | $8,900 | $40 |
| Low Premium Silver 6200 $3 Generic Drugs CareSource · HMO | $739 | $944 | $2,005 | $6,200 | $9,800 | $40 |
| Healthy Heart Silver 5000 $0 Chronic Care Drugs & Services CareSource · HMO | $741 | $948 | $2,012 | $5,000 | $9,500 | $30 |
| Low Premium Silver 6200 $3 Generic Drugs + Adult Vision & Fitness CareSource · HMO | $742 | $948 | $2,013 | $6,200 | $9,800 | $40 |
| Healthy Heart Silver 5000 $0 Chronic Care Drugs & Services + Adult Vision & Fitness CareSource · HMO | $744 | $951 | $2,020 | $5,000 | $9,500 | $30 |
| Silver 6000 $20 Generic Drugs CareSource · HMO | $744 | $951 | $2,020 | $6,000 | $8,900 | $40 |
| Silver 6000 $20 Generic Drugs + Adult Vision & Fitness CareSource · HMO | $747 | $955 | $2,028 | $6,000 | $8,900 | $40 |
| Diabetes Silver 5000 $0 Chronic Care Drugs & Services CareSource · HMO | $760 | $972 | $2,063 | $5,000 | $9,500 | $30 |
| Diabetes Silver 5000 $0 Chronic Care Drugs & Services + Adult Vision & Fitness CareSource · HMO | $763 | $975 | $2,071 | $5,000 | $9,500 | $30 |
| Low Deductible Silver 5000 $3 Generic Drugs CareSource · HMO | $764 | $977 | $2,075 | $5,000 | $9,250 | $30 |
| Low Deductible Silver 5000 $3 Generic Drugs + Adult Vision & Fitness CareSource · HMO | $767 | $980 | $2,082 | $5,000 | $9,250 | $30 |
| my Blue Access WV PPO Premier Silver 0 Highmark Blue Cross Blue Shield West Virginia · PPO | $773 | $988 | $2,099 | $0 | $9,700 | $45 |
| my Blue Access WV PPO Premier Silver 0 + Adult Dental and Vision Highmark Blue Cross Blue Shield West Virginia · PPO | $787 | $1,005 | $2,135 | $0 | $9,700 | $45 |
Gold plans
| Plan | Age 21 | Age 40 | Age 60 | Deductible | Out-of-pocket max | Doctor visit |
|---|---|---|---|---|---|---|
| Healthy Heart Gold 3000 $0 Chronic Care Drugs & Services CareSource · HMO | $662 | $846 | $1,796 | $3,000 | $8,500 | $10 |
| Healthy Heart Gold 3000 $0 Chronic Care Drugs & Services + Adult Vision & Fitness CareSource · HMO | $664 | $849 | $1,803 | $3,000 | $8,500 | $10 |
| my Blue Access WV PPO Standard Gold 2000 Highmark Blue Cross Blue Shield West Virginia · PPO | $665 | $849 | $1,804 | $2,000 | $8,200 | $30 |
| Diabetes Gold 3000 $0 Chronic Care Drugs & Services CareSource · HMO | $669 | $855 | $1,816 | $3,000 | $8,500 | $10 |
| Diabetes Gold 3000 $0 Chronic Care Drugs & Services + Adult Vision & Fitness CareSource · HMO | $672 | $859 | $1,823 | $3,000 | $8,500 | $10 |
| my Blue Access WV PPO Standard Gold 2000 + Adult Dental and Vision Highmark Blue Cross Blue Shield West Virginia · PPO | $678 | $866 | $1,840 | $2,000 | $8,200 | $30 |
| Gold 2000 $15 Generic Drugs CareSource · HMO | $689 | $880 | $1,869 | $2,000 | $8,200 | $30 |
| Gold 2000 $15 Generic Drugs + Adult Vision & Fitness CareSource · HMO | $691 | $883 | $1,876 | $2,000 | $8,200 | $30 |
| my Blue Access WV PPO Gold 1700 HSA Highmark Blue Cross Blue Shield West Virginia · PPO | $692 | $885 | $1,879 | $1,700 | $7,100 | $15 Copay after deductible |
| my Blue Access WV PPO Gold 0 Highmark Blue Cross Blue Shield West Virginia · PPO | $718 | $918 | $1,950 | $0 | $7,500 | $20 |
| my Blue Access WV PPO Gold 0 + Adult Dental and Vision Highmark Blue Cross Blue Shield West Virginia · PPO | $732 | $935 | $1,986 | $0 | $7,500 | $20 |
| my Blue Access WV PPO Premier Gold 0 Highmark Blue Cross Blue Shield West Virginia · PPO | $736 | $941 | $1,998 | $0 | $7,000 | $15 |
| my Blue Access WV PPO Premier Gold 0 + Adult Dental and Vision Highmark Blue Cross Blue Shield West Virginia · PPO | $750 | $958 | $2,034 | $0 | $7,000 | $15 |
Platinum plans
| Plan | Age 21 | Age 40 | Age 60 | Deductible | Out-of-pocket max | Doctor visit |
|---|---|---|---|---|---|---|
| Platinum Zero $5 Generic Drugs CareSource · HMO | $1,249 | $1,596 | $3,389 | $0 | $5,200 | $10 |
| Platinum Zero $5 Generic Drugs + Adult Vision & Fitness CareSource · HMO | $1,251 | $1,599 | $3,397 | $0 | $5,200 | $10 |
Catastrophic plans
| Plan | Age 21 | Age 40 | Age 60 | Deductible | Out-of-pocket max | Doctor visit |
|---|---|---|---|---|---|---|
| my Blue Access WV Major Events PPO Catastrophic 10600 - 3 Free PCP Visits Highmark Blue Cross Blue Shield West Virginia · PPO | $414 | $529 | $1,123 | $10,600 | $10,600 | No Charge after Deductible |
Care quality in Morgan County
Marketplace plans use networks. Check that the hospitals and doctors you'd want are in network, and how they're rated.
Turning 65?
Marketplace plans are for people who aren't on Medicare. See Medicare Advantage plans in Morgan County.
Frequently asked questions
How many Marketplace health plans are available in Morgan County, WV for 2026?
37 plans from 2 insurers: CareSource, Highmark Blue Cross Blue Shield West Virginia.
What is the benchmark silver plan premium in Morgan County, WV?
For 2026, the second-lowest-cost silver plan costs $944 a month for a 40-year-old before tax credits, up 16.7% from 2025. Tax credits are calculated from this plan, so most people who qualify pay much less.
What is the cheapest health plan in Morgan County, WV?
The lowest bronze premium for a 40-year-old is $682 a month before tax credits. Bronze plans have low premiums but high deductibles.