West Virginia needs a new more affordable insurance plan targeted to help lower income workers who struggle to keep themselves and their families covered by health insurance.
- We need an affordable health insurance option for those who earn too much to qualify for Medicaid but too little to afford their own plan.
- Hourly or low-wage workers earn too much to qualify for Medicaid but cannot afford other insurance and need an option that ensures premiums, deductibles and copays are reasonable while benefits and care remain high-quality.
- For workers who get a raise or work more hours, or get married, the increase in household income can leave them spending all of that increase, and even more, on new health insurance and health costs. Working harder can put less money in their family budget.
- HB 3274 will give hard-working West Virginians a new health insurance option with lower premiums and lower out-of-pocket costs. So working harder pays!
- The new plan will pay hospitals, doctors, and other health care providers higher rates than Medicaid pays them now.
- West Virginia can offer a new more affordable health insurance plan to workers leaving Medicaid with all federal dollars and without any new state spending.
Eligibility
The Affordable Medicaid Buy-In Program will provide a more affordable health insurance option to West Virginians between the current Medicaid income eligibility cap or cliff of 138% of the Federal Poverty Level ($1,676.70 a month for an individual and $2,858.90 a month for a family of three) and 200% of the Federal Poverty Level ($2,430 a month for an individual and $4,143.33 for a family of three).
Resources
Altarum Brief on Affordability Challenges Facing West Virginians
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