{
  "@context": {
    "schema": "https://schema.org/",
    "au": "https://coverage-atlas.ryanjhunter.workers.dev/vocab/agent-native#",
    "@vocab": "https://schema.org/",
    "claims": {
      "@id": "au:claims",
      "@container": "@list"
    },
    "epistemicStatus": "au:epistemicStatus",
    "occurred": "au:occurred",
    "supported": "au:supported",
    "adjudged": "au:adjudged",
    "operative": "au:operative",
    "grounding": "au:grounding",
    "groundingType": "au:groundingType",
    "adjudicator": "au:adjudicator",
    "source": "au:source",
    "sourceUrl": "au:sourceUrl",
    "value": "au:value",
    "claimType": "au:claimType",
    "reviewStatus": "au:reviewStatus",
    "commercialInfluence": "au:commercialInfluence",
    "falsifier": "au:falsifier"
  },
  "@id": "https://coverage-atlas.ryanjhunter.workers.dev/coverage/states/wv.jsonld",
  "@type": "schema:Dataset",
  "name": "Atlas Commons research objects — ACA marketplace coverage for West Virginia (2026)",
  "description": "West Virginia's ACA marketplace coverage from the CMS ACA Plan Attributes PUF, with each figure's epistemic status labeled: every plan count — medical plans, standalone dental plans, and breakdowns by metal level, plan type, HSA-eligibility, and referral requirement — is a measured census of plans offered (counts of rows in the CMS file, all labeled RECORDED); the sticker premium landscape by metal tier (40yo, pre-subsidy) is a recorded set of published CMS Rate PUF rates, with the subsidy note labeled CONTEXT; the boundary note is context (labeled CONTEXT) — these count plans offered and their sticker price, not enrollment, the insured rate, or net cost after subsidies. Sources: CMS ACA Plan Attributes PUF, CMS Marketplace Rate PUF. CC0.",
  "license": "https://creativecommons.org/publicdomain/zero/1.0/",
  "isPartOf": "https://coverage-atlas.ryanjhunter.workers.dev/",
  "rdfs:isDefinedBy": "https://coverage-atlas.ryanjhunter.workers.dev/vocab/agent-native",
  "seeAlso": "https://agenticu.ryanjhunter.workers.dev/commons/the-research-object",
  "about": {
    "@type": "schema:Place",
    "name": "West Virginia",
    "identifier": "WV"
  },
  "claims": [
    {
      "@id": "https://coverage-atlas.ryanjhunter.workers.dev/coverage/states/wv/medical-plan-count",
      "@type": "schema:Claim",
      "name": "185 ACA medical marketplace plans are offered in West Virginia for plan year 2026",
      "text": "The CMS ACA Plan Attributes PUF records 185 on-marketplace medical plans from 2 issuers offered in West Virginia for the 2026 plan year. A census of offered plans.",
      "claimType": "official_fact",
      "reviewStatus": "current",
      "commercialInfluence": false,
      "epistemicStatus": {
        "occurred": true,
        "supported": true,
        "adjudged": true,
        "operative": true
      },
      "grounding": {
        "groundingType": "SourceCitation",
        "source": "CMS ACA Plan Attributes PUF (2026 plan year)",
        "sourceUrl": "https://www.cms.gov/marketplace/resources/data/public-use-files",
        "value": "185 plans / 2 issuers",
        "adjudicator": {
          "name": "CMS ACA Plan Attributes PUF (2026 plan year)",
          "url": "https://www.cms.gov/marketplace/resources/data/public-use-files"
        }
      },
      "falsifier": "A RECORD of measured/reported events (occurred=true) from CMS ACA Plan Attributes PUF (2026 plan year); superseded when CMS ACA Plan Attributes PUF (2026 plan year) publishes its next release."
    },
    {
      "@id": "https://coverage-atlas.ryanjhunter.workers.dev/coverage/states/wv/metal-distribution",
      "@type": "schema:Claim",
      "name": "Medical plan counts by CMS metal level in West Virginia (2026): Silver 91, Gold 52, Expanded Bronze 28, Platinum 8",
      "text": "Counts of the 185 medical plans by CMS-defined metal level: Silver 91, Gold 52, Expanded Bronze 28, Platinum 8, Bronze 4, Catastrophic 2. The metal levels are CMS categories; this is a count of PUF rows per category.",
      "claimType": "official_fact",
      "reviewStatus": "current",
      "commercialInfluence": false,
      "epistemicStatus": {
        "occurred": true,
        "supported": true,
        "adjudged": true,
        "operative": true
      },
      "grounding": {
        "groundingType": "SourceCitation",
        "source": "CMS ACA Plan Attributes PUF (2026 plan year)",
        "sourceUrl": "https://www.cms.gov/marketplace/resources/data/public-use-files",
        "value": "Silver 91, Gold 52, Expanded Bronze 28, Platinum 8, Bronze 4, Catastrophic 2",
        "adjudicator": {
          "name": "CMS ACA Plan Attributes PUF (2026 plan year)",
          "url": "https://www.cms.gov/marketplace/resources/data/public-use-files"
        }
      },
      "falsifier": "A RECORD of measured/reported events (occurred=true) from CMS ACA Plan Attributes PUF (2026 plan year); superseded when CMS ACA Plan Attributes PUF (2026 plan year) publishes its next release."
    },
    {
      "@id": "https://coverage-atlas.ryanjhunter.workers.dev/coverage/states/wv/plan-type-distribution",
      "@type": "schema:Claim",
      "name": "Medical plan counts by CMS plan type in West Virginia (2026): HMO 118, PPO 67",
      "text": "Counts of the 185 medical plans by CMS-defined plan type (HMO/PPO/EPO/POS): HMO 118, PPO 67. A count of PUF rows per CMS category.",
      "claimType": "official_fact",
      "reviewStatus": "current",
      "commercialInfluence": false,
      "epistemicStatus": {
        "occurred": true,
        "supported": true,
        "adjudged": true,
        "operative": true
      },
      "grounding": {
        "groundingType": "SourceCitation",
        "source": "CMS ACA Plan Attributes PUF (2026 plan year)",
        "sourceUrl": "https://www.cms.gov/marketplace/resources/data/public-use-files",
        "value": "HMO 118, PPO 67",
        "adjudicator": {
          "name": "CMS ACA Plan Attributes PUF (2026 plan year)",
          "url": "https://www.cms.gov/marketplace/resources/data/public-use-files"
        }
      },
      "falsifier": "A RECORD of measured/reported events (occurred=true) from CMS ACA Plan Attributes PUF (2026 plan year); superseded when CMS ACA Plan Attributes PUF (2026 plan year) publishes its next release."
    },
    {
      "@id": "https://coverage-atlas.ryanjhunter.workers.dev/coverage/states/wv/hsa-eligible",
      "@type": "schema:Claim",
      "name": "36 of 185 medical plans in West Virginia are HSA-eligible (2026)",
      "text": "The PUF flags 36 of the 185 medical plans as HSA-eligible — a count of plans carrying the CMS HSA-eligibility attribute.",
      "claimType": "official_fact",
      "reviewStatus": "current",
      "commercialInfluence": false,
      "epistemicStatus": {
        "occurred": true,
        "supported": true,
        "adjudged": true,
        "operative": true
      },
      "grounding": {
        "groundingType": "SourceCitation",
        "source": "CMS ACA Plan Attributes PUF (2026 plan year)",
        "sourceUrl": "https://www.cms.gov/marketplace/resources/data/public-use-files",
        "value": "36 HSA-eligible",
        "adjudicator": {
          "name": "CMS ACA Plan Attributes PUF (2026 plan year)",
          "url": "https://www.cms.gov/marketplace/resources/data/public-use-files"
        }
      },
      "falsifier": "A RECORD of measured/reported events (occurred=true) from CMS ACA Plan Attributes PUF (2026 plan year); superseded when CMS ACA Plan Attributes PUF (2026 plan year) publishes its next release."
    },
    {
      "@id": "https://coverage-atlas.ryanjhunter.workers.dev/coverage/states/wv/no-referral",
      "@type": "schema:Claim",
      "name": "185 of 185 medical plans in West Virginia require no specialist referral (2026)",
      "text": "The PUF flags 185 of the 185 medical plans as not requiring a referral to see a specialist — a count of plans carrying the CMS no-referral attribute.",
      "claimType": "official_fact",
      "reviewStatus": "current",
      "commercialInfluence": false,
      "epistemicStatus": {
        "occurred": true,
        "supported": true,
        "adjudged": true,
        "operative": true
      },
      "grounding": {
        "groundingType": "SourceCitation",
        "source": "CMS ACA Plan Attributes PUF (2026 plan year)",
        "sourceUrl": "https://www.cms.gov/marketplace/resources/data/public-use-files",
        "value": "185 no-referral",
        "adjudicator": {
          "name": "CMS ACA Plan Attributes PUF (2026 plan year)",
          "url": "https://www.cms.gov/marketplace/resources/data/public-use-files"
        }
      },
      "falsifier": "A RECORD of measured/reported events (occurred=true) from CMS ACA Plan Attributes PUF (2026 plan year); superseded when CMS ACA Plan Attributes PUF (2026 plan year) publishes its next release."
    },
    {
      "@id": "https://coverage-atlas.ryanjhunter.workers.dev/coverage/states/wv/dental-plan-count",
      "@type": "schema:Claim",
      "name": "3 standalone dental plans are offered in West Virginia for plan year 2026",
      "text": "The PUF records 3 standalone dental plans from 1 issuers offered in West Virginia for the 2026 plan year.",
      "claimType": "official_fact",
      "reviewStatus": "current",
      "commercialInfluence": false,
      "epistemicStatus": {
        "occurred": true,
        "supported": true,
        "adjudged": true,
        "operative": true
      },
      "grounding": {
        "groundingType": "SourceCitation",
        "source": "CMS ACA Plan Attributes PUF (2026 plan year)",
        "sourceUrl": "https://www.cms.gov/marketplace/resources/data/public-use-files",
        "value": "3 dental plans / 1 issuers",
        "adjudicator": {
          "name": "CMS ACA Plan Attributes PUF (2026 plan year)",
          "url": "https://www.cms.gov/marketplace/resources/data/public-use-files"
        }
      },
      "falsifier": "A RECORD of measured/reported events (occurred=true) from CMS ACA Plan Attributes PUF (2026 plan year); superseded when CMS ACA Plan Attributes PUF (2026 plan year) publishes its next release."
    },
    {
      "@id": "https://coverage-atlas.ryanjhunter.workers.dev/coverage/states/wv/premium-landscape",
      "@type": "schema:Claim",
      "name": "STICKER ACA premiums in West Virginia for a 40-year-old (before tax credits): Silver median $1,100/mo",
      "text": "Per-metal-tier MEDIAN and range of full (pre-subsidy) monthly premiums for a 40-year-old, individual, non-tobacco, across West Virginia's 11 rating area(s): Catastrophic $613 ($529–$658), Bronze $816 ($682–$931), Silver $1,100 ($911–$1,251), Gold $998 ($846–$1,192), Platinum $1,849 ($1,596–$1,989). The per-plan rates are RECORDED in the CMS Marketplace Rate PUF; these per-tier median/min/max figures are DERIVED — the atlas's own aggregation over 37 Rate-PUF rate rows (CMS does not publish a state×tier median). The FULL sticker price — most marketplace enrollees pay less after income-based premium tax credits; this is not net cost.",
      "claimType": "derived_measure",
      "reviewStatus": "current",
      "commercialInfluence": false,
      "epistemicStatus": {
        "occurred": false,
        "supported": true,
        "adjudged": false,
        "operative": true
      },
      "grounding": {
        "groundingType": "DerivedMeasure",
        "source": "CMS Marketplace Rate Public Use File (atlas-aggregated per tier)",
        "sourceUrl": "https://www.cms.gov/marketplace/resources/data/public-use-files",
        "value": "Silver median $1,100/mo (40yo, sticker)",
        "adjudicator": null
      },
      "falsifier": "occurred=FALSE (a computed summary, not a single published figure) and adjudged=FALSE (the atlas's aggregation, not a CMS-published statistic). Reproduce it: take the median/min/max of the 37 CMS Rate-PUF rows for a 40yo non-tobacco enrollee per metal tier across the rating areas. Falsified if the per-row rates or the aggregation are wrong; it is sticker (pre-subsidy), so it overstates what a subsidized enrollee pays."
    },
    {
      "@id": "https://coverage-atlas.ryanjhunter.workers.dev/coverage/states/wv/premium-subsidy-boundary",
      "@type": "schema:Claim",
      "name": "What the West Virginia premiums mean — sticker, not your price",
      "text": "The premiums above are FULL pre-subsidy stickers. The Affordable Care Act caps a household's benchmark-Silver premium at a share of income via an advance premium tax credit, which can be applied to any tier — so a subsidized lower-income enrollee can pay far less, sometimes near $0. The sticker tells you how plans compare and the unsubsidized cost, NOT what you will pay. Net cost depends on your income and the prevailing tax-credit rules; we do not compute it. Get your actual price at HealthCare.gov.",
      "claimType": "interpretation",
      "reviewStatus": "current",
      "commercialInfluence": false,
      "epistemicStatus": {
        "occurred": false,
        "supported": true,
        "adjudged": false,
        "operative": true
      },
      "grounding": {
        "groundingType": "Interpretation",
        "source": "Coverage Atlas framing (over the CMS Rate PUF figures above)",
        "sourceUrl": "https://coverage-atlas.ryanjhunter.workers.dev/",
        "value": "sticker premiums; net cost depends on income-based tax credits — use HealthCare.gov",
        "adjudicator": null
      },
      "falsifier": "occurred=FALSE (a framing, not an event) and adjudged=FALSE (the atlas's reading, not a CMS verdict). The sticker premiums above are CMS Rate PUF records (recorded); this subsidy note is interpretation."
    },
    {
      "@id": "https://coverage-atlas.ryanjhunter.workers.dev/coverage/states/wv/boundary",
      "@type": "schema:Claim",
      "name": "What these coverage figures are — and are NOT — for West Virginia (the epistemic boundary)",
      "text": "The plan counts above are a COUNT OF PLANS OFFERED on the ACA marketplace for plan year 2026 (a CMS PUF census); the premiums are FULL sticker rates for a 40-year-old. They are NOT enrollment counts, the insured/uninsured rate, NET cost after subsidies, or who actually has coverage. For your net premium use HealthCare.gov / your state marketplace; for the insured rate use the Census ACS / KFF. This object describes what is OFFERED and its sticker price, not who is COVERED or what they pay.",
      "claimType": "interpretation",
      "reviewStatus": "current",
      "commercialInfluence": false,
      "epistemicStatus": {
        "occurred": false,
        "supported": true,
        "adjudged": false,
        "operative": true
      },
      "grounding": {
        "groundingType": "Interpretation",
        "source": "Coverage Atlas framing (over the CMS facts above)",
        "sourceUrl": "https://coverage-atlas.ryanjhunter.workers.dev/",
        "value": "counts of plans offered + sticker premiums; not enrollment, insured-rate, or net cost",
        "adjudicator": null
      },
      "falsifier": "occurred=FALSE (a framing, not an event) and adjudged=FALSE (the atlas's reading, not a CMS verdict) — the LOWEST-warrant claim here. The plan counts and sticker premiums above are direct CMS records; this is interpretation, and the four-status says so."
    }
  ],
  "hasPart": [
    {
      "@type": "schema:ItemList",
      "name": "West Virginia — every coverage indicator (typed)",
      "numberOfItems": 11,
      "itemListElement": [
        {
          "@type": "schema:ListItem",
          "position": 1,
          "item": {
            "indicator": "Medical plans offered",
            "value": 185,
            "warrant": "RECORDED",
            "source": "CMS ACA Plan Attributes PUF (2026)"
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 2,
          "item": {
            "indicator": "Medical issuers",
            "value": 2,
            "warrant": "RECORDED",
            "source": "CMS ACA Plan Attributes PUF (2026)"
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 3,
          "item": {
            "indicator": "HSA-eligible medical plans",
            "value": 36,
            "warrant": "RECORDED",
            "source": "CMS ACA Plan Attributes PUF (2026)"
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 4,
          "item": {
            "indicator": "Medical plans requiring no specialist referral",
            "value": 185,
            "warrant": "RECORDED",
            "source": "CMS ACA Plan Attributes PUF (2026)"
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 5,
          "item": {
            "indicator": "Standalone dental plans offered",
            "value": 3,
            "warrant": "RECORDED",
            "source": "CMS ACA Plan Attributes PUF (2026)"
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 6,
          "item": {
            "indicator": "Standalone dental issuers",
            "value": 1,
            "warrant": "RECORDED",
            "source": "CMS ACA Plan Attributes PUF (2026)"
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 7,
          "item": {
            "indicator": "Distinct issuers (medical + dental)",
            "value": 3,
            "warrant": "RECORDED",
            "source": "CMS ACA Plan Attributes PUF (2026)"
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 8,
          "item": {
            "indicator": "Plan year",
            "value": 2026,
            "warrant": "—",
            "source": "CMS ACA Plan Attributes PUF (2026)"
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 9,
          "item": {
            "indicator": "Silver median sticker premium (USD/mo)",
            "value": 1100,
            "warrant": "DERIVED",
            "source": "CMS Marketplace Rate Public Use File (40-year-old, individual, non-tobacco)"
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 10,
          "item": {
            "indicator": "Rating areas (premium aggregate)",
            "value": 11,
            "warrant": "RECORDED",
            "source": "CMS Marketplace Rate Public Use File (40-year-old, individual, non-tobacco)"
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 11,
          "item": {
            "indicator": "Rate-PUF rate rows summarized",
            "value": 37,
            "warrant": "RECORDED",
            "source": "CMS Marketplace Rate Public Use File (40-year-old, individual, non-tobacco)"
          }
        }
      ]
    },
    {
      "@type": "schema:ItemList",
      "name": "West Virginia — medical plans by CMS metal level (RECORDED)",
      "numberOfItems": 6,
      "itemListElement": [
        {
          "@type": "schema:ListItem",
          "position": 1,
          "item": {
            "metal_level": "Silver",
            "plan_count": 91
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 2,
          "item": {
            "metal_level": "Gold",
            "plan_count": 52
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 3,
          "item": {
            "metal_level": "Expanded Bronze",
            "plan_count": 28
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 4,
          "item": {
            "metal_level": "Platinum",
            "plan_count": 8
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 5,
          "item": {
            "metal_level": "Bronze",
            "plan_count": 4
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 6,
          "item": {
            "metal_level": "Catastrophic",
            "plan_count": 2
          }
        }
      ]
    },
    {
      "@type": "schema:ItemList",
      "name": "West Virginia — medical plans by CMS plan type (RECORDED)",
      "numberOfItems": 2,
      "itemListElement": [
        {
          "@type": "schema:ListItem",
          "position": 1,
          "item": {
            "plan_type": "HMO",
            "plan_count": 118
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 2,
          "item": {
            "plan_type": "PPO",
            "plan_count": 67
          }
        }
      ]
    },
    {
      "@type": "schema:ItemList",
      "name": "West Virginia — medical plans by market coverage (RECORDED)",
      "numberOfItems": 1,
      "itemListElement": [
        {
          "@type": "schema:ListItem",
          "position": 1,
          "item": {
            "market_coverage": "Individual",
            "plan_count": 188
          }
        }
      ]
    },
    {
      "@type": "schema:ItemList",
      "name": "West Virginia — sticker ACA premiums by metal tier (40yo, pre-subsidy, DERIVED)",
      "numberOfItems": 5,
      "itemListElement": [
        {
          "@type": "schema:ListItem",
          "position": 1,
          "item": {
            "tier": "Catastrophic",
            "plans": 11,
            "median_usd": 613,
            "p25_usd": 588,
            "p75_usd": 613,
            "min_usd": 529,
            "max_usd": 658
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 2,
          "item": {
            "tier": "Bronze",
            "plans": 88,
            "median_usd": 816,
            "p25_usd": 787,
            "p75_usd": 857,
            "min_usd": 682,
            "max_usd": 931
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 3,
          "item": {
            "tier": "Silver",
            "plans": 143,
            "median_usd": 1100,
            "p25_usd": 1056,
            "p75_usd": 1135,
            "min_usd": 911,
            "max_usd": 1251
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 4,
          "item": {
            "tier": "Gold",
            "plans": 143,
            "median_usd": 998,
            "p25_usd": 958,
            "p75_usd": 1062,
            "min_usd": 846,
            "max_usd": 1192
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 5,
          "item": {
            "tier": "Platinum",
            "plans": 22,
            "median_usd": 1849,
            "p25_usd": 1767,
            "p75_usd": 1853,
            "min_usd": 1596,
            "max_usd": 1989
          }
        }
      ]
    },
    {
      "@type": "schema:ItemList",
      "name": "West Virginia — issuers present on the marketplace (RECORDED)",
      "numberOfItems": 3,
      "itemListElement": [
        {
          "@type": "schema:ListItem",
          "position": 1,
          "item": {
            "issuer": "CareSource"
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 2,
          "item": {
            "issuer": "Delta Dental PPO"
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 3,
          "item": {
            "issuer": "Highmark Blue Cross Blue Shield West Virginia"
          }
        }
      ]
    }
  ]
}