WV Navigator

West Virginia's Health Insurance Helpline

(844) WV•CARES

West Virginia's Health Insurance Helpline


When you buy health insurance coverage in the Marketplace, you may be able to get a premium tax credit that lowers what you pay in monthly premiums. This will depend on your household size and income.

How To Save On Out-of-Pocket Costs

When you enroll in health insurance through the Marketplace, you may be able to save money on out-of-pocket costs (co-pays, deductibles, co-insurance). These are the costs you have to pay when you get care. This extra savings you might qualify for is sometimes called “cost-sharing reductions.” Whether you qualify for “cost-sharing reductions” will depend on your income and household size.

*If your income qualifies you for out-of-pocket savings (cost sharing), you must choose a Silver plan to get the savings.


Is There A Penalty For Not Having Health Insurance?

Since 2014, having health insurance is the law.  If you do not have health insurance then you could face a penalty when you file your taxes. The penalty for 2017 is $695 or 2.5% of your annual income, whichever is greater. Calculate your ACA tax penalty here.