- 2carriers selling 2026 marketplace plans in Berkeley County
- 37plans on the Berkeley shelf, from 8 bronze to 13 gold
- $944benchmark silver for a 40 year old in Berkeley, full price per month
Who sells marketplace plans in Berkeley County
Berkeley County and Kanawha County, the two West Virginia counties I track, have the same number of carriers, two each. Across all 79 counties and parishes I track in 24 states, 73 have more carriers than Berkeley. CareSource alone accounts for 22 of the 37 plans in Berkeley, 59 percent of the shelf, so a lot of what you see when you shop is one company's lineup in different metal levels.
| Carrier | Plans | Bronze | Silver | Gold | Platinum | Network types |
|---|---|---|---|---|---|---|
| CareSource Leaving for 2027 | 22 | 4 | 10 | 6 | 2 | HMO 22 |
| Highmark Blue Cross Blue Shield West Virginia | 15 | 4 | 3 | 7 | 0 | PPO 15 |
Berkeley plan counts from the CMS 2026 landscape file (county FIPS 54003, Rating Area 6). Bronze includes expanded bronze, and companies CMS lists under more than one legal issuer are grouped with the legal names underneath.
Leaving Berkeley County for 2027
CareSource sells 22 of the 37 plans in Berkeley County this year. CareSource is leaving the West Virginia individual market for 2027. After that exit, only one carrier is left from the 2026 Berkeley lineup: Highmark Blue Cross Blue Shield West Virginia. If you are enrolled with CareSource in Berkeley, you will get a notice this fall. If you do nothing you are moved to a replacement plan picked on price and metal level, and nothing in that process checks your doctors or prescriptions.
What it costs in Berkeley County before any subsidy
These are the full monthly prices, before any premium tax credit, for the cheapest Berkeley plan at each metal level. I show the sticker price because it is what your subsidy is subtracted from, and most people who enroll in Berkeley pay less, often a lot less.
| Monthly premium, full price | Age 21 | Age 40 | Age 60 | Couple, both 40 | Couple 40 + 2 kids |
|---|---|---|---|---|---|
| Lowest bronze | $533 | $682 | $1,448 | $1,363 | $2,179 |
| Lowest silver | $713 | $911 | $1,935 | $1,822 | $2,913 |
| Benchmark silver (second lowest) | $739 | $944 | $2,005 | $1,889 | $3,019 |
| Lowest gold | $662 | $846 | $1,796 | $1,691 | $2,703 |
| Lowest platinum | $1,249 | $1,596 | $3,389 | $3,192 | $5,102 |
Benchmark silver is the second lowest of the 13 silver premiums listed for Berkeley. The last column is two adults aged 40 plus two children.
What these numbers mean if you live in Berkeley County
The gold row is the surprise in Berkeley County. The cheapest gold plan for a 40 year old, $846 a month, is $66 cheaper than the cheapest silver plan at $911. That happens because West Virginia carriers load the cost of the extra silver discounts into silver premiums. If your income is too high for those discounts, silver is the worst value on the Berkeley shelf, and a gold deductible here tops out at $3,000.
In Berkeley County the benchmark is $263 above the cheapest bronze at age 40, and only nine of the other 78 counties and parishes I track have a wider one. That gap decides whether bronze can be free, because your subsidy is the $944 benchmark minus what the government expects you to pay from your income. A 40 year old in Berkeley whose expected share is $263 a month or less would pay nothing for the cheapest bronze. At 60 the Berkeley gap grows to $558 and at 21 it shrinks to $205, which is why older enrollees are the ones most likely to find a $0 plan.
Kanawha County, around Charleston, is the other West Virginia county I track. Compared with Kanawha County, the Berkeley benchmark is $150 lower at 40 and the cheapest bronze is $108 lower. The same two carriers sell in both, so moving between Berkeley and Kanawha changes the price you pay but not the companies you can pick from.
Berkeley plans by metal level, network and deductible
| Metal level | Plans | $0 deductible | Deductible range |
|---|---|---|---|
| Catastrophic | 1 | 0 | |
| Bronze | 1 | 0 | $9,200 to $9,200 |
| Expanded Bronze | 7 | 0 | $3,800 to $10,600 |
| Silver | 13 | 2 | $0 to $6,200 |
| Gold | 13 | 4 | $0 to $3,000 |
| Platinum | 2 | 2 | |
| Total | 37 | 8 |
By network type the 37 Berkeley plans break down as 22 HMO and 15 PPO. Only 15 are PPOs, and every one of them comes from Highmark Blue Cross Blue Shield West Virginia. If seeing specialists without a referral matters to you, that narrows the Berkeley shelf to one company. 8 plans in Berkeley have a $0 medical deductible (4 gold, 2 silver and 2 platinum). They cost more each month, but nothing has to be spent before the plan starts paying.
Every Berkeley price on this page is before subsidies, and most enrollees pay less. For a 40 year old in Berkeley the premium tax credit is measured against the $944 benchmark. Estimate your own subsidy, or send me your ZIP and I will run the Berkeley numbers for you.
2027 plans for Berkeley County
These are the 2026 plans and prices for Berkeley County. The 2027 plans and prices are published around November 1, 2026, and I will update this page with the new Berkeley numbers then. Open enrollment for 2027 coverage in West Virginia runs from November 1, 2026 to January 15, 2027, and December 15 is the last day to pick a plan that starts January 1.
Questions about Berkeley County coverage
How many health insurance companies sell marketplace plans in Berkeley County, West Virginia?
For 2026, two carriers sell individual marketplace plans in Berkeley County: CareSource and Highmark Blue Cross Blue Shield West Virginia. Together they offer 37 plans across the metal levels, according to the CMS plan landscape file.
What is the cheapest health insurance in Berkeley County?
At full price before any subsidy, the cheapest bronze plan in Berkeley County is $533 a month for a 21 year old, $682 at 40 and $1,448 at 60. In Berkeley a couple both aged 40 pays $1,363 for the cheapest bronze, and two 40 year olds with two children pay $2,179. Catastrophic plans in Berkeley, open only to people under 30 or with a hardship exemption, start at $414 at age 21. Most people in Berkeley who qualify for a premium tax credit pay less than these prices.
What is the benchmark silver plan premium in Berkeley County for 2026?
The second lowest cost silver plan, the benchmark your subsidy is calculated from, is $944 a month for a 40 year old in Berkeley County before subsidies. In Berkeley it is $739 at age 21 and $2,005 at age 60, and the lowest silver plan is $911 at 40.
Which insurance companies are leaving Berkeley County for 2027?
CareSource is leaving the West Virginia individual market for 2027. In 2026 it sells 22 plans in Berkeley County. Only one carrier from the 2026 Berkeley lineup remains: Highmark Blue Cross Blue Shield West Virginia. The full 2027 lineup and prices are published around November 1, 2026.
Can I get a PPO or a $0 deductible plan in Berkeley County?
Yes to both. 15 of the 37 plans in Berkeley are PPOs, all from Highmark Blue Cross Blue Shield West Virginia, and 8 plans have a $0 medical deductible. The cheapest gold plan for a 40 year old in Berkeley is $846 a month before subsidies.
More for Berkeley County residents
- Health insurance brokers in West Virginia, how to choose one and what it costs
- Every 2027 carrier change in West Virginia
- How Berkeley compares with the other 78 counties and parishes I track
- Estimate a Berkeley subsidy
Get your Berkeley County quote
Send me your ZIP and who needs coverage and I will compare every Berkeley plan you qualify for with your subsidy applied, free and with no pressure.
Get my free quote → Or book a callSources
- Centers for Medicare & Medicaid Services, QHP Landscape Individual Market Medical, plan year 2026 (public use file), Berkeley County rows
- HealthCare.gov, Health plan information for individuals and families
- ACA Signups, West Virginia 2027 rate filings and carrier withdrawals
- healthinsurance.org, ACA open enrollment deadlines