Berkeley County, West Virginia: health insurance
What Berkeley County residents should know about Medicare, marketplace plans and Medicaid.
Berkeley County at a glance
| State | West Virginia |
|---|---|
| Population (2023 est.) | 132,440 |
| Population rank in West Virginia | 2 of 55 |
| Land area | 321 square miles |
| Major cities | Martinsburg |
Source: U.S. Census Bureau (Population Estimates 2023; Gazetteer 2023).
Why your county matters for coverage
In West Virginia, the health plans you can choose depend on where you live. Medicare Advantage and Part D plans are offered by service area, usually county by county, and marketplace premiums and carriers are set by area as well. Living in Berkeley County means the options on this page apply to you, and plans in a neighboring county may differ.
- Medicare: West Virginia SHIP (State Health Insurance Assistance Program) gives free, unbiased counseling at (877) 987-4463. Ask which plans serve Berkeley County specifically.
- Marketplace plans: shop through HealthCare.gov (federal Marketplace); enter your Berkeley County ZIP code to see what is offered.
- Medicaid: apply through West Virginia Department of Human Services, Bureau for Medical Services.
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.
Questions about Berkeley County
Are the same Medicare plans offered everywhere in West Virginia?
No. Plans are offered by service area. A plan available in one county may not be offered in Berkeley County, so check by county.
Where do Berkeley County residents get free Medicare counseling?
West Virginia SHIP (State Health Insurance Assistance Program) ((877) 987-4463) is West Virginia's free SHIP program.
Do I have to enroll if I call?
No. Calling is a conversation about your options, and you are never required to enroll.
Berkeley County 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 855-367-1095Other large counties
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.