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  • For special insurance for Children, visit WVChip

Access West Virginia (AccessWV)

→ Click here to view AccessWV premiums

Guaranteed Health Insurance Plan

As a HIPAA eligible enrollee you are guaranteed the right to buy an individual health insurance policy from the state high-risk pool, Access West Virginia (AccessWV). Note:

  • AccessWV prohibits pre-existing condition exclusion periods and elimination riders
  • AccessWV is your only guaranteed source of individual health insurance

HIPAA Eligibility

To be HIPAA eligible in West Virginia, you must:

  1. Have 18 months of continuous creditable coverage, with at least the last day under the Brethren Ministers Group; and
  2. Not be eligible for Medicare, Medicaid or a group plan; and
  3. Apply for health insurance for which you are HIPAA eligible within 63 days of losing your prior coverage; and
  4. Not have health insurance.

Note: If you know your group coverage is about to end, you can apply for coverage for which you will be HIPAA eligible.

How much does AccessWV coverage cost?

AccessWV premium rates vary based place of residence, the plan chosen, single or family coverage, age and gender. West Virginia limits the premium to 150% what a healthy person would pay for a similar plan sold by a private insurer. Click here to view AccessWV rates.

AccessWV Coverage Highlights

  • $1 million maximum lifetime ($200,000 annual)
  • PPO plans with $400, $500 or $2000 in-network deductibles and $2000, $2500 or $3000 out of pocket maximums
  • Out-of-network deductibles and out-of-pocket maximums are four times greater
  • Separate annual prescription drug deductible
  • Click here for an Overview of the AccessWV plans

How can I be insured with AccessWV?

For enrollment information, visit the West Virginia Comprehensive Health Association online at www.AccessWV.org, or call (866) 445-8491.

Special insurance for children: WVChip

A family of four making up to $45,430 a year may be eligible for WVChip.