Creating the Affordable Medicaid Buy-in Program

HB 3233 creates a state-administered health insurance program (the "Affordable Medicaid Buy-in") for West Virginia residents who earn too much to qualify for Medicaid or Medicare but cannot access employer-sponsored coverage. The program, to be run by the Department of Human Services starting January 2026, offers comprehensive coverage including hospital care, mental health services, prescriptions, and preventive care at sliding-scale premiums based on income - prioritizing those transitioning from Medicaid. It requires the state to maximize federal funding through existing Medicaid mechanisms and ensures coverage is available regardless of age, race, or disability, with reimbursement rates tied to Medicaid standards. The bill mandates eligibility criteria, establishes an advisory council, and requires coordination with existing Medicaid and private plans to maintain coverage continuity.