West Virginia
Cheapest ACA plans in Morgantown, West Virginia for 2026
Plan year 2026, last refreshed 2026-04-19T08:08:55.462Z.
Morgantown is in Monongalia County, West Virginia. 3 carriers sell 2026 ACA plans on Healthcare.gov for residents of Monongalia County, and the cheapest Bronze plan a 40-year-old can enroll in starts at $769/month before any subsidy. Carriers are licensed and rated at the county level, so the plans below cover everyone in Monongalia County, including Morgantown.
Cheapest plans by metal tier
Lowest 2026 monthly premium for a single 40-year-old in Morgantown (Monongalia 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 Monongalia 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 Morgantown
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 Morgantown
3 carriers sell 2026 plans on Healthcare.gov for Monongalia County residents; 1 additional carrier offers off-exchange-only plans (not subsidy-eligible). 40 plans total in Monongalia 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 Morgantown
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 Monongalia 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% | $969/mo | $0/mo |
| $40,000 | 256% | $779/mo | $0/mo |
| $60,000 | 383% | $568/mo | $201/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% | $2,846/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 Morgantown, 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. Morgantown is in Monongalia County, West Virginia; carriers are licensed and rated at the county level. Data refreshed 2026-04-19T08:08:55.462Z.
How does Morgantown's 2026 ACA pricing compare to other West Virginia cities?
Cheapest Bronze for a 40-year-old in Morgantown is $769 per month before subsidies. For comparison: Charleston at $790/mo; Huntington at $848/mo; Martinsburg at $682/mo. Different cities can have different cheapest plans because plans are sold per county and carrier participation varies by jurisdiction.
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
- Statewide West Virginia pricing and metal tiers
- Charleston pricingcheapest Bronze $790/mo
- Huntington pricingcheapest Bronze $848/mo
- Martinsburg pricingcheapest Bronze $682/mo
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.