Best Medicare Advantage Plans in West Virginia (2027)

Peak Health is the best Medicare Advantage insurer in West Virginia because it combines the highest quality with one of the lowest worst-case costs. It’s the only carrier with a 5-star CMS rating, Medicare’s 1-to-5 score for care quality and member experience. Its median max annual cost exposure, a year of premiums plus the out-of-pocket limit, is $293 above the lowest.

Higher cost doesn’t signal better care in this market. Aetna Medicare’s worst-case year costs $2,125 more than Peak Health’s for a lower rating. Start with Peak Health, which reaches every county but one. If it skips yours, Highmark Blue Cross Blue Shield has the lowest worst-case cost.

West Virginia residents have more Medicare Advantage choice than quality. The median county offers 30 plans, yet only eight of the state’s 15 CMS contracts (53%), the agreements that set each plan’s star rating, reach 4 stars.

Medicare Advantage plans are private alternatives to Original Medicare, federal coverage for hospital (Part A) and medical (Part B) care. Medicare Supplement plans keep Original Medicare in place and pay the deductibles and copays it leaves behind.

Check the rating of the exact plan you want, since one carrier’s plans can sit under different contracts. Wellpoint, the seventh carrier, isn’t rated because its new contract has no star or survey data.

The best Medicare Advantage plan in West Virginia depends on your health needs, preferred providers, prescriptions and how much care you expect to use during the year.

Medicare Advantage in West Virginia costs $0 a month at the median for every plan type, so your real costs come from out-of-pocket spending. The out-of-pocket limit, the most you’ll pay for covered in-network hospital and medical care in a year, is where types split. Regional PPOs, which allow out-of-network care, have the lowest median limit, though only Humana sells them. HMO-POS plans, HMOs with limited out-of-network coverage, have the highest.

Primary care median copays hold at $15 across plan types, while hospital copays vary. A four-day stay at median daily copays costs $1,440 in an HMO and $1,820 in an HMO-POS plan. If you have an upcoming surgery, compare the limit and inpatient copay first.

*Median cost figures across all 41 non-SNP West Virginia MA plans, grouped by plan type. All dollar figures rounded to nearest dollar. Source: CMS 2027 data, MoneyGeek analysis.

West Virginia residents can compare plans, get free counseling and access financial assistance through these state and federal resources.

• West Virginia SHIP: Free, unbiased counseling from trained volunteers who help compare Medicare Advantage plans, explain enrollment periods and answer coverage questions.
• Medicare.gov Plan Finder: The federal comparison tool for Medicare Advantage plans available in your ZIP code, including premiums, out-of-pocket maximums, drug formularies and star ratings.
• Medicare Savings Programs: State-run programs that help income-eligible West Virginia residents pay Medicare Part B premiums and, for some enrollees, deductibles and copays. A single person can qualify with monthly income up to $1,816 and resources up to $9,950, based on 2026 limits used for 2027 coverage.
• Social Security Administration: Handles Medicare enrollment for most West Virginia residents. Use it to apply for Medicare, confirm enrollment status or arrange premium payments.
• West Virginia Offices of the Insurance Commissioner: The state agency that licenses and regulates insurance carriers in West Virginia. Use it to verify a plan's standing or file a complaint about a Medicare Advantage carrier.

West Virginia’s 2027 Medicare Advantage ratings from MoneyGeek span 41 non-SNP plans across seven carriers, 15 CMS contracts and 55 counties. The analysis relies on five CMS datasets: the Medicare Plan Landscape File, Plan Benefit Package files, CMS Star Ratings, the CAHPS Report Card Master Table and the Contract/Plan Enrollment file.   

All ratings exclude Special Needs Plans. Carriers must serve at least 5% of West Virginia’s 55 counties, or three counties, to be scored. All seven carriers clear it.

Wellpoint holds a new West Virginia contract with no CMS Star Rating or CAHPS data on file. It isn’t featured in the provider reviews above.

How We Score Carriers

MoneyGeek scores six West Virginia carriers on a five-point scale. Each carrier’s score is the median across its West Virginia non-SNP MA plans, with CMS Star Ratings and CAHPS as plan-weighted medians. Three categories determine each score:

• Affordability (40%): Four cost measures set this score. Maximum annual cost exposure, a year of premiums plus the out-of-pocket limit, counts for 20%. Inpatient hospital costs count for 10%, specialist costs for 6% and primary care costs for 4%.
• Quality and Member Experience (40%): CMS Star Ratings make up 60% of this category and CAHPS Rating of Health Plan scores make up 40%, both measured at the contract level.
• Benefits and Access (20%): Dental, over-the-counter (OTC), vision and hearing supplemental benefits fill 50% of this category. County coverage provides 30% and plan choice per county provides 20%.