West Virginia Health Insurance Regulations

West Virginia has limited insurance regulations so it's important to understand them.

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West Virginia health insurance laws

West Virginia health insurance policies are required to include the following:

  • guaranteed renewability provision
  • exclusion period for pre-existing conditions of no more than 2 years.
  • 31 day coverage for newborns and adopted children

West Virginia health insurance regulations

West Virginia health insurance companies can:

  • deny you health insurance on the basis of your health
  • charge you higher premiums on the basis of your health

West Virginia health insurance companies are prohibited from:

  • terminating an existing health insurance policy due to illness.

However, HMO's have open enrollment periods in which you can purchase West Virginia health insurance regardless of your health status.

West Virginia health insurance: temporary policies

Conversion plans or short term health insurance plans are available for temporary West Virginia health insurance.

Other WV health insurance info

For more help, read our health insurance guide.

Or check out our guide to West Virginia small business health insurance.


For more on WV health insurance, visit the West Virginia Insurance Commission.

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