West Virginia insurance laws

What it would do: Establishes licensing, examination, and conduct requirements for public adjusters in West Virginia, including application procedures, financial responsibility bonds of $20,000 minimum, contract standards with insureds, fee limitations of 10% maximum, and record retention requirements.

What it would do: Amends liability insurance requirements for county boards of education by reducing the minimum coverage from $1,250,000 to $1 million per occurrence and eliminating the requirement for county boards to purchase excess coverage of at least $5 million per occurrence.

What it would do: Prohibits health insurers from denying, limiting, or discriminating in sickness, disability, or long-term care insurance coverage based solely on a person's status as a living organ donor, effective July 1, 2026.

What it would do: Prohibits health insurers from imposing cost-sharing requirements for screening, diagnostic, and supplemental breast examinations, effective January 1, 2027 or July 1, 2027 for public employees, with exceptions for Health Savings Account qualified High Deductible Health Plans.

What it would do: Requires health insurance policies, plans, and contracts issued or renewed on or after January 1, 2026, that provide cancer chemotherapy coverage to also cover scalp cooling systems used to prevent or reduce hair loss during chemotherapy treatment, subject to applicable deductibles and coinsurance.

What it would do: Requires health insurance policies issued by public employees, accident and sickness insurers, hospital service corporations, health care corporations, and health maintenance organizations to cover habilitative and rehabilitative speech therapy for stuttering without annual limits, visit restrictions, or prior authorization, effective July 1, 2025.

What it would do: Requires the Public Employees Insurance Agency to cover doula services for maternity benefits and requires the Department of Human Services to file a state plan amendment to cover doula services under Medicaid as preventive services from conception through 365 days after delivery.

What it would do: Extends a moratorium on the Board of Risk and Insurance Management providing new or additional property or liability insurance coverage to entities where coverage is permissive rather than mandatory until July 1, 2026, while preserving existing coverage and exempting county boards of education and related school entities.

What it would do: Prohibits nonparticipating ground ambulance services from balance billing covered individuals for amounts exceeding copayments and cost-sharing. Requires insurers to pay nonparticipating ambulance providers at 400% of Medicare rates or billed charges, whichever is less, within 30 days of clean claims.

What it would do: Permits health benefit plan sponsors to provide consent on behalf of covered persons to receive plan communications by electronic means, provided the sponsor confirms the person routinely uses electronic communications and the insurer offers an opt-out opportunity.

What it would do: Amends liability insurance requirements for county boards of education by increasing minimum coverage to $1 million per occurrence plus $5 million excess coverage, and requires insurance be obtained from companies licensed to do business in West Virginia.

What it would do: Redirects 10 percent of fire and casualty insurance premium tax revenue from the Teachers Retirement System to the Municipal Pensions Security Fund and reduces from three to two consecutive years the period a municipal pension fund can fail to comply with investment provisions before being required to invest with the state Investment Management Board.

What it would do: Exempts the first $25,000 of cash value from a life insurance policy from being counted in Medicaid eligibility calculations.

What it would do: Amends the fire and casualty insurance premium tax allocation to provide that each volunteer fire company or department receives an equal share of revenues allocated for volunteer and part-volunteer fire companies and departments.

What it would do: Requires the Public Employees Insurance Agency finance board to reinstate the premium rate discount for retired firefighters hired after 2010.

What it would do: Requires the Public Employees Insurance Agency, Medicaid, and various insurers to cover medically necessary treatment for cleft lip and cleft palate in newly born children up to age 19, including oral and facial surgery, prosthetic treatment, orthodontic treatment, and otolaryngology services, effective July 1, 2026.

What it would do: Requires health insurance carriers in West Virginia to cover and reimburse for dietary supplements and nutrition prescriptions recommended by a physician when shown to be beneficial. Directs the Insurance Commission to create and annually update an approved list of covered dietary supplements and nutrition prescriptions.

What it would do: Creates a long-term services and supports trust program funded by a 0.58% payroll premium on employees working at least 10% full-time, beginning January 1, 2029, providing eligible beneficiaries up to 365 daily benefit units of up to $100 for approved long-term care services.

What it would do: Grants the Insurance Commissioner authority to examine, regulate, and enforce compliance with PEIA regulations by pharmacy benefit managers, including civil penalties and license suspension or revocation for violations. Establishes a special investigation unit within PEIA to investigate fraud and illegal activities.

What it would do: Repeals West Virginia Code section 33-6-31d, which relates to optional limits of uninsured and underinsured motor vehicle coverage.

What it would do: Increases minimum motor vehicle liability insurance coverage requirements effective January 1, 2027 to $100,000 per person, $300,000 per accident for bodily injury or death, and $100,000 for property damage, while allowing policies in effect on December 31, 2026 to continue at prior limits until expiration or renewal.

What it would do: Prohibits insurers from refusing to underwrite, canceling, or increasing premiums based on credit history for passenger motor vehicle, residential property, or personal insurance policies, and prohibits rating or requiring payment plans based on credit history.

What it would do: Requires insurers to pay clean claims for covered ground ambulance services from nonparticipating emergency medical services agencies directly to the agency within 30 days, and prohibits payment to the covered individual.

What it would do: Amends disability benefits for West Virginia State Troopers with permanent total disability from line-of-duty injuries to include seniority-based pay increases they would have received had they not been injured.