ACA Open Enrollment Guide — When and How to Enroll

When Is ACA Open Enrollment?

The ACA Open Enrollment Period runs from November 1 through January 15 in most states (including West Virginia). Coverage purchased by December 15 begins January 1. Coverage purchased between December 16 and January 15 begins February 1. Outside of Open Enrollment, you can only enroll if you qualify for a Special Enrollment Period.

• Open Enrollment: November 1 – January 15
• Coverage starting January 1: enroll by December 15
• Coverage starting February 1: enroll by January 15
• Special Enrollment Periods available for qualifying life events

Special Enrollment Periods

Outside of Open Enrollment, you can enroll in ACA coverage if you experience a qualifying life event. Common qualifying events include losing employer health coverage, getting married or divorced, having a baby or adopting a child, moving to a new coverage area, or gaining citizenship. You typically have 60 days from the qualifying event to enroll.

ACA Premium Tax Credits — How Subsidies Work

Premium tax credits reduce the cost of your monthly health insurance premium. The amount of your credit depends on your household income and the benchmark plan in your area. In 2024, subsidies are available to households earning up to 400% of the federal poverty level (about $58,320 for a single person). Enhanced subsidies from the American Rescue Plan Act have been extended, making coverage more affordable for many West Virginians.

How to Apply for ACA Coverage in West Virginia

West Virginia uses the federal marketplace at HealthCare.gov. You can apply online, by phone, or with the help of a licensed insurance agent. AG Insurance is certified to help West Virginia residents navigate the ACA marketplace, compare plans, and apply for subsidies — at no cost to you.

• Visit HealthCare.gov or call 1-800-318-2596
• Create an account and complete the application
• Provide income and household information
• Compare available plans and select coverage
• Or call AG Insurance for free help navigating the process

Choosing the Right ACA Plan

ACA plans are organized into metal tiers: Bronze, Silver, Gold, and Platinum. Bronze plans have the lowest monthly premiums but highest out-of-pocket costs. Platinum plans have the highest premiums but lowest out-of-pocket costs. Silver plans are the benchmark for subsidy calculations and often offer the best value for people who qualify for cost-sharing reductions.

Cost-Sharing Reductions — Extra Savings on Silver Plans

If your household income is between 100% and 250% of the federal poverty level, you may qualify for cost-sharing reductions (CSRs) that lower your deductible, copays, and out-of-pocket maximum. CSRs are only available on Silver plans. For eligible households, a Silver plan with CSRs can provide better coverage than a Gold plan at a lower effective cost.