Choosing a West Virginia Health Insurance Plan

What to consider when choosing a health insurance plan

1) Look at the summary of benefits. What benefits are included? What benefits are excluded?

2) Look at costs. How much are the monthly premiums, annual deductibles, and co-payments?

3) When are the enrollment periods? Do they offer annual open enrollment periods to make changes to your policy?

4) How much flexibility do they offer? Can you change plans if you need to? How?

Health insurance companies are required to renew an individual's existing health coverage, but there is no cap on the rate increases companies may impose at the time of renewal. This is called guaranteed renewability. Guaranteed renewability is not portable, so you do not have the right to switch to another company or even another product offered by the same company.