Medicare in West Virginia: 2026 Plans, Costs, and Enrollment Guide
- 44 Medicare Advantage plans available statewide (West Virginia: 55 counties; CMS 2026 Fact Sheet)
- 32 Medigap carriers offering Plan G (TPP rate database, CY2026)
- 12 standalone Part D plans in PDP Region 14 (West Virginia-only)
- Avg MA premium $52.34/mo in 2026 (was $46.86 in 2025) (CMS 2026 Fact Sheet)
- LIS benchmark: $49.81/mo (Region 14)
West Virginia Medicare Snapshot
West Virginia has 44 Medicare Advantage plans available statewide for 2026 (CMS 2026 Medicare MA & Part D Landscape State-by-State Fact Sheet), with the specific plans offered varying by county within West Virginia’s 55 counties. Most West Virginia Medigap policies are attained-age rated.
The average monthly MA premium in West Virginia is $52.34 in 2026 (changed from $46.86 in 2025; CMS 2026 Fact Sheet). The standard Medicare Part B premium is $202.90/month in 2026.
| Metric | West Virginia 2026 | Source |
|---|---|---|
| MA plans available | 44 statewide (West Virginia: 55 counties) | CMS 2026 MA & Part D Landscape Fact Sheet |
| Avg MA premium | $52.34/mo (2025: $46.86) | CMS 2026 MA & Part D Landscape Fact Sheet |
| Medigap carriers (Plan G) | 32 (most carriers use attained-age) | TPP internal data, CY2026 |
| HDG carriers | 22 (most carriers use attained-age) | TPP internal data, CY2026 |
| Standalone Part D plans | 12 (PDP Region 14 — West Virginia-only) | CMS 2026 MA & Part D Landscape Fact Sheet |
| Part D LIS benchmark (Region 14) | $49.81/mo | CMS CY2026 Regional Rates & Benchmarks |
Plan Types Available in West Virginia
Medicare Advantage (Part C)
West Virginia offers 44 Medicare Advantage plans statewide for 2026 (CMS 2026 Fact Sheet). Top MA carriers include Humana, Aetna Medicare, and The Health Plan. Check Medicare Plan Finder for per-plan star ratings in your county.
Medigap (Medicare Supplement)
West Virginia uses the standard federal Medigap plan letters (A, B, C, D, F, G, K, L, M, N, plus HDG and HDF). 32 carriers offer Plan G in West Virginia in the TPP rate database (CY2026, non-tobacco, ages 65–85). Plans C, F, and High-Deductible Plan F (HDF) are closed to anyone who first became Medicare-eligible on or after January 1, 2020 (under MACRA 2015); beneficiaries who were Medicare-eligible before that date may still buy Plans C, F, or HDF from carriers that continue to offer them. High-Deductible Plan G (HDG) is the post-2020 high-deductible Medigap option and is offered by 22 West Virginia carriers.
Most West Virginia Medigap policies are attained-age rated. See our MA vs Medigap comparison →
Standalone Part D (Prescription Drug Plans)
West Virginia is in CMS PDP Region 14 (West Virginia-only). For 2026, there are 12 standalone PDP plans available (CMS 2026 Fact Sheet).
Costs in West Virginia
Medicare Advantage Premiums
The average monthly MA premium in West Virginia is $52.34 in 2026 (changed from $46.86 in 2025; CMS 2026 Fact Sheet). The standard Medicare Part B premium is $202.90/month in 2026.
Medigap Premiums — Plan G and HDG
Most West Virginia Medigap policies are attained-age rated. Across the 32 West Virginia Plan G carriers (non-tobacco, ages 65–85), Plan G monthly premiums in 2026 range from approximately $125 to $562/month(TPP rate database, CY2026).
High-Deductible Plan G (HDG) is offered by 22 West Virginia carriers; premiums range from approximately $113 to $523/month(TPP rate database, CY2026). HDG works well for beneficiaries who want catastrophic protection at a lower monthly cost and can absorb the high-deductible amount (CMS’s 2026 Medigap high-deductible options notice publishes the current dollar figure).
Part D Costs and the LIS Benchmark
For 2026, West Virginia (PDP Region 14 — West Virginia-only) has 12 standalone PDP plans (CMS 2026 Fact Sheet). The CMS Low Income Subsidy (LIS / Extra Help) benchmark premium for Region 14 is$49.81/month (CMS CY2026 Regional Rates and Benchmarks).
West Virginia-Specific Medicare Rules
No State Medigap Birthday Rule
West Virginia does not have a state Medigap Birthday Rule or Anniversary Rule. Outside of the federal 6-month Medigap Open Enrollment Period and qualifying federal guaranteed-issue events, most Medigap purchases in West Virginia are subject to medical underwriting at the carrier's discretion.
Medicare Savings Programs (MSPs)
West Virginia offers Medicare Savings Programs (MSPs) through West Virginia Medicaid (Bureau for Medical Services):
- QMB (Qualified Medicare Beneficiary): Covers Part A and Part B premiums, deductibles, and cost-sharing.
- SLMB (Specified Low-Income Medicare Beneficiary): Covers Part B premiums only.
- QI (Qualifying Individual): Also covers Part B premiums; subject to annual appropriations.
Apply through West Virginia Medicaid (Bureau for Medical Services) or contact West Virginia SHIP (1-877-987-4463) for free enrollment assistance. MSP enrollment also automatically qualifies you for Extra Help / LIS on Part D. Learn more about MSPs →
West Virginia SHIP
West Virginia SHIP is West Virginia's federally designated State Health Insurance Assistance Program (SHIP). It provides free, unbiased Medicare counseling statewide through trained volunteers.
Phone: 1-877-987-4463
Website: wvship.org
Enrolling in Medicare in West Virginia
Standard Enrollment Periods
- Initial Enrollment Period (IEP): 7-month window centered on your 65th birthday month. Enroll at ssa.gov or call 1-800-772-1213.
- Annual Election Period (AEP): October 15 – December 7 each year.
- Medicare Advantage Open Enrollment Period (OEP): January 1 – March 31.
- Federal 6-month Medigap OEP: Starts when you are 65+ and enrolled in Part B.
- Special Enrollment Periods (SEPs): Learn more →
West Virginia SHIP Counseling
Contact West Virginia SHIP at 1-877-987-4463 for free one-on-one Medicare guidance statewide.