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 = "CC0-1.0"
jsonld = "https://coverage-atlas.ryanjhunter.workers.dev/coverage/states/wv.jsonld"

[[claims]]
id = "https://coverage-atlas.ryanjhunter.workers.dev/coverage/states/wv/medical-plan-count"
warrant = "RECORDED"
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."
source = "CMS ACA Plan Attributes PUF (2026 plan year)"
sourceUrl = "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falsifier = "A RECORD of measured/reported events (occurred=true) from CMS ACA Plan Attributes PUF (2026 plan year); superseded when CMS ACA Plan Attributes PUF (2026 plan year) publishes its next release."

[[claims]]
id = "https://coverage-atlas.ryanjhunter.workers.dev/coverage/states/wv/metal-distribution"
warrant = "RECORDED"
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."
source = "CMS ACA Plan Attributes PUF (2026 plan year)"
sourceUrl = "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falsifier = "A RECORD of measured/reported events (occurred=true) from CMS ACA Plan Attributes PUF (2026 plan year); superseded when CMS ACA Plan Attributes PUF (2026 plan year) publishes its next release."

[[claims]]
id = "https://coverage-atlas.ryanjhunter.workers.dev/coverage/states/wv/plan-type-distribution"
warrant = "RECORDED"
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."
source = "CMS ACA Plan Attributes PUF (2026 plan year)"
sourceUrl = "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."

[[claims]]
id = "https://coverage-atlas.ryanjhunter.workers.dev/coverage/states/wv/hsa-eligible"
warrant = "RECORDED"
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."
source = "CMS ACA Plan Attributes PUF (2026 plan year)"
sourceUrl = "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."

[[claims]]
id = "https://coverage-atlas.ryanjhunter.workers.dev/coverage/states/wv/no-referral"
warrant = "RECORDED"
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."
source = "CMS ACA Plan Attributes PUF (2026 plan year)"
sourceUrl = "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."

[[claims]]
id = "https://coverage-atlas.ryanjhunter.workers.dev/coverage/states/wv/dental-plan-count"
warrant = "RECORDED"
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."
source = "CMS ACA Plan Attributes PUF (2026 plan year)"
sourceUrl = "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."

[[claims]]
id = "https://coverage-atlas.ryanjhunter.workers.dev/coverage/states/wv/premium-landscape"
warrant = "DERIVED"
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."
source = "CMS Marketplace Rate Public Use File (atlas-aggregated per tier)"
sourceUrl = "https://www.cms.gov/marketplace/resources/data/public-use-files"
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."

[[claims]]
id = "https://coverage-atlas.ryanjhunter.workers.dev/coverage/states/wv/premium-subsidy-boundary"
warrant = "INTERPRETATION"
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."
source = "Coverage Atlas framing (over the CMS Rate PUF figures above)"
sourceUrl = "https://coverage-atlas.ryanjhunter.workers.dev/"
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."

[[claims]]
id = "https://coverage-atlas.ryanjhunter.workers.dev/coverage/states/wv/boundary"
warrant = "INTERPRETATION"
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."
source = "Coverage Atlas framing (over the CMS facts above)"
sourceUrl = "https://coverage-atlas.ryanjhunter.workers.dev/"
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."

[[coverageIndicators]]
indicator = "Medical plans offered"
value = 185
warrant = "RECORDED"
source = "CMS ACA Plan Attributes PUF (2026)"

[[coverageIndicators]]
indicator = "Medical issuers"
value = 2
warrant = "RECORDED"
source = "CMS ACA Plan Attributes PUF (2026)"

[[coverageIndicators]]
indicator = "HSA-eligible medical plans"
value = 36
warrant = "RECORDED"
source = "CMS ACA Plan Attributes PUF (2026)"

[[coverageIndicators]]
indicator = "Medical plans requiring no specialist referral"
value = 185
warrant = "RECORDED"
source = "CMS ACA Plan Attributes PUF (2026)"

[[coverageIndicators]]
indicator = "Standalone dental plans offered"
value = 3
warrant = "RECORDED"
source = "CMS ACA Plan Attributes PUF (2026)"

[[coverageIndicators]]
indicator = "Standalone dental issuers"
value = 1
warrant = "RECORDED"
source = "CMS ACA Plan Attributes PUF (2026)"

[[coverageIndicators]]
indicator = "Distinct issuers (medical + dental)"
value = 3
warrant = "RECORDED"
source = "CMS ACA Plan Attributes PUF (2026)"

[[coverageIndicators]]
indicator = "Plan year"
value = 2026
warrant = "—"
source = "CMS ACA Plan Attributes PUF (2026)"

[[coverageIndicators]]
indicator = "Silver median sticker premium (USD/mo)"
value = 1100
warrant = "DERIVED"
source = "CMS Marketplace Rate Public Use File (40-year-old, individual, non-tobacco)"

[[coverageIndicators]]
indicator = "Rating areas (premium aggregate)"
value = 11
warrant = "RECORDED"
source = "CMS Marketplace Rate Public Use File (40-year-old, individual, non-tobacco)"

[[coverageIndicators]]
indicator = "Rate-PUF rate rows summarized"
value = 37
warrant = "RECORDED"
source = "CMS Marketplace Rate Public Use File (40-year-old, individual, non-tobacco)"

[[metalDistribution]]
metal_level = "Silver"
plan_count = 91

[[metalDistribution]]
metal_level = "Gold"
plan_count = 52

[[metalDistribution]]
metal_level = "Expanded Bronze"
plan_count = 28

[[metalDistribution]]
metal_level = "Platinum"
plan_count = 8

[[metalDistribution]]
metal_level = "Bronze"
plan_count = 4

[[metalDistribution]]
metal_level = "Catastrophic"
plan_count = 2

[[planTypeDistribution]]
plan_type = "HMO"
plan_count = 118

[[planTypeDistribution]]
plan_type = "PPO"
plan_count = 67

[[marketCoverage]]
market_coverage = "Individual"
plan_count = 188

[[premiumTiers]]
tier = "Catastrophic"
plans = 11
median_usd = 613
p25_usd = 588
p75_usd = 613
min_usd = 529
max_usd = 658

[[premiumTiers]]
tier = "Bronze"
plans = 88
median_usd = 816
p25_usd = 787
p75_usd = 857
min_usd = 682
max_usd = 931

[[premiumTiers]]
tier = "Silver"
plans = 143
median_usd = 1100
p25_usd = 1056
p75_usd = 1135
min_usd = 911
max_usd = 1251

[[premiumTiers]]
tier = "Gold"
plans = 143
median_usd = 998
p25_usd = 958
p75_usd = 1062
min_usd = 846
max_usd = 1192

[[premiumTiers]]
tier = "Platinum"
plans = 22
median_usd = 1849
p25_usd = 1767
p75_usd = 1853
min_usd = 1596
max_usd = 1989

[[issuers]]
issuer = "CareSource"

[[issuers]]
issuer = "Delta Dental PPO"

[[issuers]]
issuer = "Highmark Blue Cross Blue Shield West Virginia"
