Martinsburg, West Virginia: health insurance
Martinsburg is in Berkeley County. Here is what Martinsburg residents should know about coverage.
Coverage in Martinsburg
Martinsburg has about 18,935 residents (U.S. Census Bureau 2023 estimate).
Plans for Martinsburg residents are determined by Berkeley County, home to about 132,440 people (2023 estimate). Medicare Advantage plans and marketplace plans are offered by area, so use your ZIP code when you compare, and make sure a plan covers Berkeley County before you choose it.
- Turning 65 in Martinsburg? Your Initial Enrollment Period runs seven months around your birthday. West Virginia SHIP (State Health Insurance Assistance Program) offers free counseling at (877) 987-4463.
- Buying your own plan? Shop through HealthCare.gov (federal Marketplace).
- Medicaid questions? West Virginia Department of Human Services, Bureau for Medical Services handles applications.
West Virginia note: West Virginia recently split its old, single Department of Health and Human Resources into three separate departments -- Health, Human Services, and Health Facilities -- so Medicaid's Bureau for Medical Services now sits under the Department of Human Services specifically, not the older combined agency name still seen on some websites.
Medicare plans leaving Berkeley County for 2027
Medicare plans are set by county, so this applies to residents of this city. 11 plans are listed in Berkeley County for 2026 but not for 2027, covering at least 877 people.
| Plan going away | Company | People enrolled (at least) |
|---|---|---|
| Humana USAA Honor Giveback with Rx (PPO) H5216-391 | Humana | 677 |
| Humana USAA Honor Giveback with Rx (PPO) H7617-072 | Humana | 134 |
| Complete Blue PPO Merit (PPO) H5106-037 | Highmark Health | 35 |
| Humana USAA Honor Giveback (PPO) H5216-105 | Humana | 31 |
| Humana Together in Health (PPO I-SNP) H5216-447 | Humana | 10 or fewer |
| The Health Plan SecureChoice - Option II (PPO) H8604-011 | The Health Plan of West Virginia | 10 or fewer |
See all 11 plans leaving Berkeley County →
A plan can be listed because it was renumbered or replaced, not only because a company is leaving the county. When the same company keeps other plans there, members are usually moved to a replacement plan. Your plan should send you a notice, and Medicare’s Annual Enrollment Period (October 15 to December 7) is when you can compare and switch. “People enrolled” is the number enrolled in that plan today (CMS hides counts of 10 or fewer). Source: CMS Medicare Advantage and Part D landscape files for 2026 and 2027, and CMS enrollment data from September 2026.
Colleges and universities near Martinsburg
West Virginia public institutions include West Virginia University, Marshall University, West Virginia State University. Students and employees at these schools should check their school’s student health or benefits office, because campus plans and employer plans work differently from individual coverage. More about West Virginia colleges.
Do Martinsburg and Berkeley County have the same plans?
Plans are offered by service area, and Martinsburg falls under Berkeley County. A plan that serves Berkeley County is generally the one that applies to you.
Do I have to enroll if I call?
No. A call is a conversation about your options.
Martinsburg residents: call 855-367-1095
Call Lander LLC to go over your options. There is no cost to call or to speak with an agent, and you are never required to enroll in anything.
Call 855-367-1095 Open 8 AM-10 PM Eastern timeOther major West Virginia cities
- Charleston
- Huntington
- Morgantown
- Parkersburg
- Wheeling
- Weirton
- Fairmont
- Beckley
- Clarksburg
- South Charleston
- Vienna
- St. Albans
Reviewed by Richard Lander, licensed insurance agent (NPN 21255551), Lander LLC. Last updated October 3, 2026. This page is educational and is not a quote, an offer of coverage, or legal or tax advice.