Health Insurance in West Virginia

ACA health insurance in West Virginia operates in a somewhat unique way; residents use the federal platform to find and purchase plans, but the state has primary oversight over the plans that they find.  

Health insurance in West Virginia is rapidly changing, but Apollo is keeping up. Read on to learn the basics of West Virginian health insurance. 

Quick Facts about Health Insurance in West Virginia

• West Virginia uses the federal Marketplace as its ACA exchange, with state oversight. 

• Open Enrollment for On-Exchange plans in West Virginia will run from November 1, 2022 – December 15, 2022. 

• Apollo Insurance Group can help sign-up for plans with 10 different carriers. 

When to Enroll in West Virginia Health Insurance

The right time to enroll in health insurance in West Virginia depends on the type of health insurance that you want to enroll in. West Virginia health insurance falls into two buckets: On-Exchange (Affordable Care Act / Obamacare insurance) and Off-Exchange (Other plans that do not follow the ACA regulations). 

Most people can only enroll in an On-Exchange plan during the Open Enrollment period. For 2023 plans, Open Enrollment will be from November 1 – December 15, 2022. To enroll outside of the Open Enrollment period, you must have a qualifying life event. 

There are no laws in West Virginia regulating when you can or cannot sign up for an Off-Exchange plan. Private carriers can, of course, impose their own rules about when someone may sign up for coverage. Generally speaking, though, you can sign up for Off-Exchange plans at any time of the year. 

How to Enroll in West Virginia Health Insurance

To enroll in a health insurance plan in West Virginia, contact us now. We will work with you to find the best plan for your budget and needs.  

Health Insurance in the United States is a complicated beast, and West Virginia is no exception. Let one of the experts at Apollo Insurance Group guide you. 

This is just a brief overview of health insurance in West Virginia and the United States at large. For a more in-depth breakdown, read our article on individual health insurance.

Apollo Insurance Group works hard to find the best providers of reliable health insurance in Indiana. Indiana uses the federal Marketplace for Affordable Care Act insurance plans, but Indianans also have the option to enroll directly with carriers. However, this is not recommended; only plans enrolled through the Marketplace are eligible for subsidies and cost-sharing reductions, both of which can substantially lower the costs associated with insurance. 

Health insurance in Indiana is rapidly changing, but Apollo is keeping up. The basics of Indiana health insurance are below.  

Quick Facts about Health Insurance in Indiana

• Indiana uses the federal Marketplace as its ACA Exchange 
• Open Enrollment for On-Exchange plans will be from November 1, 2022 – January 31, 2023.  
• Off-Exchange plans 
• Apollo Insurance Group can help broker plans from 12 different carriers. 

When to Enroll in Indiana Health Insurance

 Enrollment timing for health insurance in Indiana depends on the type of insurance you are enrolling in. For On-Exchange/ACA/Obamacare plans, most people have to enroll during Open Enrollment. Open Enrollment is the time of year that everyone is free to openly change their health insurance plan. OE for 2023 will run from November 1, 2022 – December 15, 2022. To enroll in a plan outside of OE, you need a qualifying life event – one of a handful of events that could drastically change your healthcare needs. To see a full list of qualifying life events, click here. 

Off-Exchange plans can be purchased at any time. There are some exceptions, but most Off-Exchange plans have year-round enrollment. 

How to Enroll in Indiana Health Insurance

To enroll in a health insurance plan in Indiana, contact us now. We will work with you to find the best plan for your budget and needs.  

Health insurance in the United States is a complicated beast, and Indiana is no exception. Let one of the experts at Apollo Insurance Group guide you.  

This is just a brief overview of health insurance in Indiana and the United States at large. For a more in-depth breakdown, read our article on individual health insurance.