West Virginia long-term care insurance: cost & coverage

Who regulates long-term care insurance in West Virginia

Long-term care insurance policies sold in West Virginia are regulated by the West Virginia Offices of the Insurance Commissioner. If you have a complaint about an agent, carrier, or policy, you can file it with the regulator directly.

What long-term care costs in West Virginia

Median assisted living cost in West Virginia vs. the national median:

Source: SeniorLiving.org median assisted living costs, 2026. See costs for all 50 states for the full table.

West Virginia's LTC Partnership program

West Virginia has an active LTC Partnership program. West Virginia has an active federal DRA-compliant LTC Partnership program, administered jointly with the Bureau for Medical Services.

A Partnership-qualified policy lets you keep an extra dollar of assets, protected from Medicaid spend-down, for every dollar your policy pays out in benefits — see the note above for this state's current status. Learn more about how Partnership programs work.

How to compare quotes in West Virginia

• Confirm any agent or carrier you talk to is currently licensed to sell in West Virginia — the West Virginia Offices of the Insurance Commissioner can confirm licensing status.
• Ask which products a carrier is actively writing in West Virginia today — availability changes state by state and year to year. See carriers we compare.
• If a Partnership-qualified policy matters to you, confirm with the carrier or agent whether a policy is currently certified as Partnership-qualified in West Virginia — see this state's Partnership status above.
• Compare traditional and hybrid options side by side — see traditional vs. hybrid coverage.
• Get quotes from more than one carrier; pricing for the same coverage can vary significantly.

Please note: Regulator names, complaint channels, and Partnership-program status can change. Confirm current details with the West Virginia Offices of the Insurance Commissioner or a licensed agent before making any decision. LongTermCareInsurance411 is not a government agency and does not administer West Virginia's insurance regulations or Medicaid program.

Last updated: July 30, 2026