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West VirginiaHB 48692026 Regular SessionHouseWALLET

Establish narrow, clearly bounded guaranteed-issue rights for Medicare Supplement policies in West Virginia.

Sponsored By: David Green (Republican)

Signed by Governor

§33-15F-1

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Bill Overview

Analyzed Economic Effects

3 provisions identified: 1 benefits, 0 costs, 2 mixed.

Start date and rules for Medigap rights

These protections apply to Medigap policies delivered, reissued, or extended in West Virginia on or after June 1, 2026. They also apply later whenever a policy term changes or a premium is adjusted. The Insurance Commissioner may set rules to run the law, like checking eligibility and lining up start dates. The rules cannot expand who qualifies, add benefits, or change rating methods beyond what the law says.

Birthday Medigap switch without underwriting

Beginning June 1, 2026, you can replace your Medigap policy once each year around your birthday without medical underwriting or waiting periods. You must be enrolled on your birthday and have had your current policy for at least 24 months. Apply in a 60‑day window that starts the first day of your birth month. The new policy must have the same or fewer benefits and usually come from the same insurer or an affiliate. You may buy from any WV insurer only if your insurer and its affiliates have not taken applications for that plan type in the last 12 months. The new policy cannot start before the old one ends, and you may ask to delay the start up to 90 days to avoid double premiums.

Medigap access after losing Medicaid

Beginning June 1, 2026, if you are 65 or older, have Medicare, and lose Medicaid, you get a 63‑day window to buy Medigap. Insurers must sell you a policy without medical underwriting or pre‑existing condition waits. You can choose any plan being sold to new customers by any licensed WV insurer. These rights apply no matter your past Medigap history or whether you had Medicaid when you first got Medicare. Leaving a Medicare Advantage plan alone does not trigger this right.

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Sponsors & Cosponsors

Sponsor

  • David Green

    Republican • House

Cosponsors

  • Joe Ellington

    Republican • House

  • Walter Hall

    Republican • House

  • Roger Hanshaw

    Republican • House

  • Michael Hite

    Republican • House

  • John Paul Hott

    Republican • House

  • Dean Jeffries

    Republican • House

  • Jonathan Kyle

    Republican • House

  • Matthew Rohrbach

    Republican • House

  • Joe Statler

    Republican • House

  • Evan Worrell

    Republican • House

Roll Call Votes

All Roll Calls

Yes: 124 • No: 1

Senate vote • 3/13/2026

Passed Senate (Roll No. 550)

Yes: 34 • No: 0

House vote • 3/3/2026

Passed House (Roll No. 261)

Yes: 90 • No: 1

Actions Timeline

  1. Approved by Governor 3/27/2026

    3/30/2026House

  2. To Governor 3/25/2026

    3/25/2026House

  3. To Governor 3/25/2026 - Senate Journal

    3/14/2026Senate

  4. Approved by Governor 3/27/2026 - House Journal

    3/14/2026House

  5. Approved by Governor 3/27/2026 - Senate Journal

    3/14/2026Senate

  6. On 3rd reading

    3/13/2026Senate

  7. Read 3rd time

    3/13/2026Senate

  8. Passed Senate (Roll No. 550)

    3/13/2026Senate

  9. Communicated to House

    3/13/2026Senate

  10. Completed legislative action

    3/13/2026Senate

  11. On 2nd reading

    3/12/2026Senate

  12. Read 2nd time

    3/12/2026Senate

  13. Reported do pass

    3/11/2026Senate

  14. Immediate consideration

    3/11/2026Senate

  15. Read 1st time

    3/11/2026Senate

  16. Introduced in Senate

    3/4/2026Senate

  17. To Banking and Insurance

    3/4/2026Senate

  18. To Banking and Insurance

    3/4/2026Senate

  19. On 3rd reading, Special Calendar

    3/3/2026House

  20. Read 3rd time

    3/3/2026House

  21. Passed House (Roll No. 261)

    3/3/2026House

  22. Communicated to Senate

    3/3/2026House

  23. On 2nd reading, Special Calendar

    3/2/2026House

  24. Read 2nd time

    3/2/2026House

  25. On 1st reading, Special Calendar

    2/27/2026House

Bill Text

Related Bills

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