West Virginia
Cheapest ACA plans in Barbour County, West Virginia for 2026
Plan year 2026, last refreshed 2026-04-19T08:08:55.462Z.
Barbour County, West Virginia has 3 on-exchange carriers offering 37 plans for 2026. The cheapest Bronze plan a 40-year-old can enroll in is Highmark West Virginia, Inc. my Blue Access WV PPO Bronze 9200 at $769 per month before subsidies.
Cheapest plans by metal tier
Lowest 2026 monthly premium for a single 40-year-old in Barbour County, on-exchange, before any subsidy. Per-age figures derived from the CMS QHP Landscape file using the HHS standardized age-rating curve (45 CFR 147.102).
| Tier | Cheapest age 40 monthly | Plans in Barbour County |
|---|---|---|
| Catastrophic | $597 | 1 |
| Bronze | $769 | 3 |
| Expanded Bronze | $805 | 5 |
| Gold | $954 | 13 |
| Silver | $1,028 | 13 |
| Platinum | $1,800 | 2 |
The actual cheapest Bronze plan in Barbour County
Highmark West Virginia, Inc. my Blue Access WV PPO Bronze 9200
$769/moFor a family of four (two 40-year-olds and two kids under 14): Highmark West Virginia, Inc. my Blue Access WV PPO Bronze 9200 at $2,458/month before subsidies.
Carriers selling 2026 plans in Barbour County
3 carriers sell 2026 plans on Healthcare.gov; 1 additional carrier offers off-exchange-only plans (not subsidy-eligible). 40 plans total in this county.
| Carrier | On-exchange plans |
|---|---|
| CareSource West Virginia Co. | 22 |
| Highmark West Virginia, Inc. | 14 |
| Highmark BlueCross BlueShield | 1 |
Also selling off-exchange only
These carriers sell plans directly (not through Healthcare.gov). Off-exchange plans are not eligible for federal APTC or state subsidies.
| Carrier | Off-exchange plans |
|---|---|
| The Health Plan of West Virginia, Inc. | 1 |
What you'll actually pay in Barbour County
Estimated monthly net premium for the cheapest Bronze plan above ($769/mo before subsidy) on Healthcare.gov, after federal APTC. APTC is computed against the Barbour Countybenchmark Silver per 26 USC §36B. Approximate; exact net varies by plan's EHB% and child-rate structure.
Single 40-year-old
| Annual income | FPL % | Federal APTC | Cheapest Bronze net |
|---|---|---|---|
| $25,000 | 160% | $968/mo | $0/mo |
| $40,000 | 256% | $778/mo | $0/mo |
| $60,000 | 383% | $567/mo | $202/mo |
| $100,000 | 639% | — | $769/mo |
Family of 4 (two 40-year-olds, two children)
| Annual income | FPL % | Federal APTC | Cheapest Bronze net |
|---|---|---|---|
| $40,000 | 124% | — | Medicaid likely |
| $80,000 | 249% | $2,845/mo | $0/mo |
| $130,000 | 404% | — | $2,458/mo |
| $200,000 | 622% | — | $2,458/mo |
FPL = Federal Poverty Level. APTC = Advance Premium Tax Credit (the federal subsidy). Off-exchange and Catastrophic plans are not APTC-eligible. Enter your real income on the home page to see plan-specific net premium with the per-plan EHB-percent cap applied.
Frequently asked questions
What is the cheapest ACA plan in Barbour County, West Virginia for 2026?
The cheapest Bronze plan a 40-year-old can enroll in is Highmark West Virginia, Inc. my Blue Access WV PPO Bronze 9200 at $769 per month before subsidies. Plans sell through Healthcare.gov. Data refreshed 2026-04-19T08:08:55.462Z.
Does West Virginia use Healthcare.gov?
Yes. West Virginia participates in the federally-facilitated Marketplace (FFM), so enrollment and subsidy applications run through healthcare.gov. West Virginia does not operate a state-based exchange.
Has West Virginia expanded Medicaid?
Yes, effective January 1, 2014. Adults 19-64 with income up to 138% FPL qualify regardless of parental status or disability, so there is no coverage gap in West Virginia. The state has recorded one of the largest per-capita uninsured rate reductions of any state post-expansion.
Which carriers offer West Virginia plans on Healthcare.gov?
For PY2026, expect Highmark Blue Cross Blue Shield West Virginia (broad statewide), The Health Plan (THP), and CareSource. West Virginia has a small individual market; county-level carrier availability varies.
More West Virginia pricing
Sources
- HealthCare.gov for enrollment, OEP dates, and federal APTC / CSR application.
- West Virginia Offices of the Insurance Commissioner for rate review, carrier filings, and consumer guidance.
- West Virginia Medicaid: Department of Human Services for Medicaid expansion eligibility and enrollment.
- KFF: West Virginia State Health Facts for Medicaid expansion, enrollment, and benchmark premium context.
Plan year 2026, last refreshed 2026-04-19T08:08:55.462Z. Full pricing pipeline + regulatory references at methodology; ACA terminology in the glossary.