4 HRs Health Insurance and Affordable Care Act Updates - West Virginia

4 HRs Health Insurance and Affordable Care Act Updates - West Virginia

✅ Approved by West Virginia Offices of the Insurance Commissioner | Provider #236324 | Course #114964 | Only $19.99 | Instant Emailed Certificate | 100% Online & Self-Paced

Earn 4 approved continuing education hours toward your West Virginia insurance producer renewal with a WV Offices of the Insurance Commissioner-approved online course for only $19.99. The course is fully online and self-paced, so you can enroll and work through it on your own schedule.

Log in and out as often as you like without losing your progress. When you finish, your certificate is emailed to you immediately, and 1st Choice CE reports approved completions to West Virginia electronically. Every course is backed by our money-back guarantee, and support is available by phone or text at 1-800-698-2770.

✅ Course Details

• Course Name: 4 HRs Health Insurance and Affordable Care Act Updates - West Virginia
• Approved By: West Virginia Offices of the Insurance Commissioner
• Provider Number: 236324
• Course Number: 114964
• Course Length: 4 credit hours
• Course Category: Accident And Health
• Course Format: 100% online, self-paced
• Price: $19.99
• Certificate: Emailed immediately upon completion
• Reporting: 1st Choice CE reports approved completions to West Virginia
• Support: Phone or text 1-800-698-2770

✅ Who Should Take This Course?

• West Virginia licensed resident insurance producers renewing a license with accident and health authority
• Producers who need 4 approved hours toward the 24-hour West Virginia requirement
• Agents who want current, practical health insurance & aca ce knowledge, not filler credit
• New producers building a working foundation in this coverage area
• Experienced agents refreshing before a renewal deadline
• Agency staff who support producers and want the same technical grounding

✅ Does This Course Satisfy the State Requirement?

This course provides 4 approved credit hours toward the 24-hour West Virginia continuing education requirement. It does not by itself satisfy the full renewal requirement, and it does not satisfy the 3-hour ethics requirement.

✅ West Virginia Continuing Education Requirements

West Virginia resident insurance producers complete 24 credit hours of approved continuing education during each two-year compliance period, and at least 3 of those hours must be ethics credit. The compliance period is coextensive with the license period, so a producer's CE deadline is the same as the license expiration date. West Virginia does not cap self-study or online hours, which means an approved online course can be used for any part of the 24-hour total.

• 24 credit hours of approved continuing education per biennial compliance period
• 3 of those 24 hours must be in ethics — ethics hours cannot be met with general credit
• The remaining 21 hours may be general or elective insurance credit
• No self-study cap. West Virginia does not limit how many of the 24 hours may be completed by approved self-study or online instruction
• Producers who sell long-term care insurance must complete a one-time 8-hour LTC training and at least 4 hours of ongoing LTC training each biennium thereafter
• Producers who sell annuities must complete a one-time 4-hour annuity training
• Up to 6 excess credit hours may be carried into the next biennium; ethics and long-term care hours do not carry over as ethics or LTC credit

How this course helps: This 4-hour course provides 4 approved credit hours toward the 24 hours West Virginia requires for each two-year (biennial) compliance period. It applies as general credit and does not satisfy the separate 3-hour ethics requirement, so at least 20 additional hours — including your 3 ethics hours — must be completed separately.

✅ When Do Licensees Renew?

West Virginia resident producer licenses are issued on a biennial cycle and expire on the last day of the licensee's birth month. Continuing education must be complete by that expiration date. Because approved providers are allowed up to 30 days to file completion rosters with the state, the Insurance Commissioner advises producers not to wait until the final weeks — a course finished fewer than 30 days before expiration may not post in time for the renewal to process. There is no grace period to keep transacting business after expiration, although a separate late-renewal path exists for up to twelve months after the expiration date.

✅ How to Renew Your License

Step 1: Confirm your license type and expiration date

Check your West Virginia license record for your exact expiration date — the last day of your birth month — and confirm which lines of authority you hold.

Step 2: Review your current CE transcript

Look at your continuing education transcript to see how many general and ethics hours are already posted for the current biennium, and what is still outstanding.

Step 3: Complete the full 24 hours, including 3 ethics hours

Finish all required coursework before your expiration date. Ethics credit must come from courses approved in the ethics category.

Step 4: Allow time for provider reporting

Approved providers have up to 30 days to report completions. Finish your coursework at least 30 days before expiration so the credit posts before you renew.

Step 5: Verify the credits posted

Re-check your CE transcript and confirm that every course appears with the correct hour count and category before you start the renewal.

Step 6: Submit your renewal and pay the fee

File your producer renewal electronically through the state's designated licensing system, or by the paper renewal application the Commissioner accepts, and pay the renewal fee.

Step 7: Save your records and confirm active status

Keep your completion certificates — West Virginia requires licensees to retain them for at least four years — and verify your license shows an active status with an updated expiration date.

✅ What You Will Learn

• How ACA market rules govern rating, issue and essential health benefits today
• Metal tiers, actuarial value and what a client actually pays out of pocket
• Premium tax credits and cost-sharing reductions, including the subsidy cliff
• Open enrollment, special enrollment periods and qualifying life events
• Where short-term, indemnity and sharing arrangements are not comprehensive coverage
• Employer-sponsored coverage rules that affect individual market eligibility

✅ Course Content Overview

Hour 1 – Health Insurance Landscape, Plan Types and Core Coverage Concepts

Individual, small-group and large-group plan structures and how each is regulated. Covers plan design fundamentals — deductibles, copayments, coinsurance and the out-of-pocket maximum — the managed care models behind HMO, PPO, EPO and POS networks, and the decision drivers that actually determine which plan a consumer chooses.

Hour 2 – Affordable Care Act Framework, Marketplace Enrollment and Practical Updates

The key ACA provisions still governing the market, including essential health benefits, guaranteed issue and the prohibition on pre-existing condition exclusions. Covers Marketplace eligibility and enrollment concepts, the subsidy and affordability mechanisms that determine net premium, and the problem areas that most often produce a failed enrollment or a mid-year surprise.

Hour 3 – Supplemental Health Products and Emerging Coverage Trends

Disability income and long-term disability concepts, then hospital indemnity, critical illness and accident products and where each fits alongside a major medical plan. Covers short-term medical and other limited-duration coverage, what it does not do, and the emerging trends reshaping how supplemental products are sold and serviced.

Hour 4 – Regional Market Considerations, Compliance and Client Communication Standards

Regional operational considerations that change how a plan performs from one market to another, and the compliance expectations that apply to health insurance sales. Covers suitability and needs-analysis practices, and the post-enrollment service standards — renewals, mid-year changes and documentation — that keep a book of business clean.

✅ Other West Virginia Insurance CE Courses & Packages

Save with a package – everything in one purchase:

• 24 Hour Life & Health Insurance CE Package - West Virginia – $84.99
• 24-Hour Property & Casualty Insurance CE Package - West Virginia – $84.99

Individual West Virginia insurance CE courses:

• 3 Hour Ethics for Insurance Agents - West Virginia – $19.99
• 3 HRs Emerging Risks and Specialty Coverages - West Virginia – $19.99
• 3 Hrs Insurance Fraud and Claims Handling (P&C Focus) - West Virginia – $19.99
• 3-Hour Flood Insurance (NFIP) - West Virginia – $19.99
• 4 HRs Commercial Lines Insurance Essentials - West Virginia – $19.99
• 4 HRs Homeowners Insurance Overview - West Virginia – $19.99
• 4 HRs Medicare Advantage and Part D Update - West Virginia – $19.99
• 4 Hrs Ongoing Long-Term Care Insurance Partnership Training - West Virginia – $19.99
• 4 HRs Personal Auto and Umbrella Insurance - West Virginia – $19.99
• 4-Hour Annuity Best Interest/Suitability - Insurance Agent CE - West Virginia – $19.99
• 5 HRs Life Insurance Products and Retirement Planning - West Virginia – $19.99
• 8 Hours Initial Long-Term Care Insurance Partnership Training - West Virginia – $39.99

All courses are West Virginia-approved, 100% online and self-paced, with your certificate emailed as soon as you finish. Questions? Call or text 1-800-698-2770.

✅ Why Choose 1st Choice CE?

• Approved by the West Virginia Offices of the Insurance Commissioner — provider #236324
• Affordable at $19.99 with no hidden fees
• 100% online and self-paced — log in and out anytime without losing progress
• Instant emailed certificate the moment you finish
• We report approved completions to West Virginia
• Money-back guarantee
• Over 10 years of continuing education experience
• Support by phone or text at 1-800-698-2770

✅ Enroll Now

Enroll in 4 HRs Health Insurance and Affordable Care Act Updates - West Virginia today for $19.99. The course is fully online and self-paced, your certificate is emailed the moment you finish, and every enrollment is backed by our money-back guarantee. Questions? Call or text 1-800-698-2770.