WV Navigator

West Virginia's Health Insurance Helpline

(844) WV•CARES

West Virginia's Health Insurance Helpline

QUALIFIED HEALTH PLAN or SHORT-TERM PLAN?

Learn which health insurance is right for you


Qualified Health Plan (QHP)

A Qualified Health Plan (QHP) is a health insurance policy that is certified by the state of West Virginia to meet the minimum standards in the Patient Protection and Affordable Care Act.

• Unlimited lifetime benefits

• No preexisting condition exclusion

• 100% preventive care coverage

• Hospital, medical/surgical expense  coverage

• Emergency Services coverage

• Mental health/substance abuse coverage

• Rehabilitive and habilitive therapy coverage

• Prescription coverage

• Guaranteed renewable

• Enroll on healthcare.gov

• Can only enroll during Open Enrollment from November 1 – December 15 each year.

Short-Term Limited Duration (STLD) Plan

A Short-Term Limited Duration (STLD) Plan is a type of health plan that provides coverage for only certain specified health care services or treatments or provides coverage for health care services or treatments for certain conditions during a specified period.

• Lifetime maximum limit

• Limited number of visits

• Medically underwritten

• No coverage for preexisting conditions

• No mental health/substance abuse coverage

• No therapy, rehabilitive or habilitative services

• No prescription drug coverage

• May not offer policy renewal

• No preventative coverage

• No maternity coverage

• Membership dues to join association

• Can enroll year-round


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