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Obillerate · Watchdog

West Virginia Bill Book

2026

The West Virginia bills that matter most, scored 1–10 on who they really help — with the receipts. One bill per page. Free to read, print and share.

40 bills scored · data as of 2026-07-28

How to read this book

The score.Every bill gets a 1–10 on one question: does it help or hurt everyday people? 1 hurts, 10 helps, 5–6 is mixed. The score is our editorial judgement — so every page shows the reasoning behind it, factor by factor. That section is the “receipts”, and it is the part no other bill list gives you.

How bills were chosen. Ranked, not cherry-picked. This edition prints the 10 lowest-scoring and 10 highest-scoring of the 40 bills we have fully analysed for West Virginia. A bill only qualifies if it passed our verification step, has a recorded official status, and has its reasoning attached. Thin entries are left out rather than padded.

Lowest-scoring is not the same as evil. Only 143 bills in the entire country score 3 or below, so in most states the bottom of the list includes bills that are simply mixed. We label each one for what it is instead of inflating it.

These are proposals, not law — unless the status line says otherwise. Bills move constantly; each page shows the status we recorded on 2026-07-28 and links to the live version.

Bill data from LegiScan (CC BY 4.0), Congress.gov and OpenStates. Analysis and scoring are Obillerate's own. Editorial opinion, not legal advice — always read the official text before acting. Spot an error? www.obillerate.com/corrections

10 lowest-scoring

The worst West Virginia bills

Ranked from the lowest score up. These are the ones most likely to cost you money, rights or recourse.

WV SB35 · Your Right to Sue

Employers shielded from lawsuits for workers with expunged records

Limiting liability of employers for persons whose criminal records are expunged · Introduced as of 2026-01-14

2/10
Hurts you

Bad for everyday people — on our 1–10 scale, 1 hurts and 10 helps.

What it does

The bill would let employers avoid being sued and not pay health costs for workers whose drug‑related crimes were erased.

What it means for you

Citizens could lose the ability to hold employers accountable for drug‑related harms and may be left without health coverage if they relapse, so they should speak up now.

Who it's for

Employers

Why it scores 2/10 — the receipts

  • Accountability (hurts) Employer liability limited. Reduces ability to sue employers for employee actions.
  • Rights & Protections (hurts) Right to sue reduced. Limits employee's legal recourse against employer.
  • Who Bears the Cost (hurts) Health costs shifted to employee. Employers not required to cover addiction‑related health expenses.
  • Process Transparency (neutral) Database and court cross‑reference required. Adds a reporting system but does not increase public oversight.
  • Funding Tilt (neutral) No new funding. Bill does not allocate money for any program.

Who's behind it

Republican-sponsored (1R / 0D)

Read it yourself

WV SB35 · West Virginia Bill Book 2026 · page 1 of 20www.obillerate.com/bill/wv-sb35-078655

Bills move. This page shows the status recorded on 2026-07-28 — check the link above for the live status. Scores are editorial opinion, not legal advice. Wrong? www.obillerate.com/corrections

WV HB5261 · Immunity & Accountability

West Virginia expands property seizure powers, limits owner rights

Relating generally to forfeiture of contraband · Introduced as of 2026-02-05

3/10
Hurts you

Bad for everyday people — on our 1–10 scale, 1 hurts and 10 helps.

What it does

The bill would let the state take more personal property, even without a court hearing, while giving owners few ways to get it back.

What it means for you

Citizens could lose cars, tools, or cash to the state after a drug case, even if they never knew about the crime, and they would have limited ways to challenge the seizure, so they should speak up now while the bill is still being debated.

Who it's for

Government Power

Why it scores 3/10 — the receipts

  • Accountability (hurts) Reduces accountability for law‑enforcement. No joint or severable liability and limited remedies
  • Rights & Protections (hurts) Weakens property rights. Seizure can occur without a court hearing
  • Who Bears the Cost (hurts) Costs shift to owners. Owners may lose property and have limited compensation
  • Process Transparency (hurts) Less transparent process. Seizure may happen without due process
  • Funding Tilt (hurts) State gains revenue from forfeiture. Proceeds from sales go to the state

Who's behind it

Democrat-sponsored (0R / 2D)

Read it yourself

WV HB5261 · West Virginia Bill Book 2026 · page 2 of 20www.obillerate.com/bill/wv-hb5261-108768

Bills move. This page shows the status recorded on 2026-07-28 — check the link above for the live status. Scores are editorial opinion, not legal advice. Wrong? www.obillerate.com/corrections

WV SB78 · Consumer Protection

Banks must serve gun shops, or face state penalties

Prohibiting financial institutions from discriminating against firearms businesses · Introduced as of 2026-01-14

3/10
Hurts you

Bad for everyday people — on our 1–10 scale, 1 hurts and 10 helps.

What it does

Banks in West Virginia could not refuse service to gun makers or sellers, and could be sued if they do.

What it means for you

The bill would protect gun shops from being cut off by banks, but it could raise costs for banks and limit their ability to choose customers.

Who it's for

Firearms industry

Why it scores 3/10 — the receipts

  • Accountability (helps) Adds civil penalties and AG enforcement.. Banks can be sued and face up to $20,000 per violation.
  • Rights & Protections (helps) Protects firearm businesses from discrimination.. Ensures they can get banking services.
  • Who Bears the Cost (hurts) Potential costs shift to banks.. Banks may pay penalties and lose state business.
  • Process Transparency (neutral) No new transparency requirements.. Standard civil action process applies.
  • Funding Tilt (neutral) No direct funding changes.. Penalty funds go to the state, not specified.

Who's behind it

Republican-sponsored (1R / 0D)

Read it yourself

WV SB78 · West Virginia Bill Book 2026 · page 3 of 20www.obillerate.com/bill/wv-sb78-078857

Bills move. This page shows the status recorded on 2026-07-28 — check the link above for the live status. Scores are editorial opinion, not legal advice. Wrong? www.obillerate.com/corrections

WV HB4193 · Money & Damages

West Virginia bill would let colleges raise tuition per credit

Per-Credit Tuition for WV Community Colleges · Introduced as of 2026-01-14

3/10
Hurts you

Bad for everyday people — on our 1–10 scale, 1 hurts and 10 helps.

What it does

The bill would let community colleges charge higher per‑credit tuition, making students pay more for each class they take.

What it means for you

Students could see their tuition bills go up, especially if they take many credits, while colleges get more money to cover costs and projects. Now is the time to speak up before the bill moves forward.

Who it's for

Community colleges

Why it scores 3/10 — the receipts

  • Accountability (hurts) Less oversight on tuition hikes. Boards set rates with limited state review
  • Rights & Protections (neutral) No new student rights added. Bill does not change ability to sue
  • Who Bears the Cost (hurts) Costs shift to students. Higher per‑credit fees increase student expenses
  • Process Transparency (hurts) Fee schedules not required to be public. Boards only need to file copies with commission
  • Funding Tilt (hurts) More revenue goes to colleges, not state budget. Fees may replace state subsidies

Who's behind it

Republican-sponsored (1R / 0D)

Read it yourself

WV HB4193 · West Virginia Bill Book 2026 · page 4 of 20www.obillerate.com/bill/wv-hb4193-078996

Bills move. This page shows the status recorded on 2026-07-28 — check the link above for the live status. Scores are editorial opinion, not legal advice. Wrong? www.obillerate.com/corrections

WV HB4255 · Money & Damages

Gas tax credit rule could lower state revenue

Relating to authorizing the Tax Department to promulgate a legislative rule relating to Downstream Natural Gas Manufacturing Investment Tax Credit. · Introduced as of 2026-01-14

3/10
Hurts you

Bad for everyday people — on our 1–10 scale, 1 hurts and 10 helps.

What it does

The bill would let the tax department set rules for a downstream natural gas manufacturing tax credit, cutting the money the state collects.

What it means for you

Tax credits mean less money for schools and roads, while gas companies get a financial boost; citizens should watch the bill now before it moves forward.

Who it's for

Natural Gas Manufacturers

Why it scores 3/10 — the receipts

  • Accountability (hurts) Limited oversight of tax credit rules. The bill gives the tax department power to set rules without clear public accountability.
  • Rights & Protections (neutral) No direct impact on personal rights. The bill does not affect individual legal rights.
  • Who Bears the Cost (helps) Tax credit reduces state revenue. The credit shifts the cost of the incentive to taxpayers.
  • Process Transparency (neutral) Standard rulemaking filing. Rules must be filed in the State Register, but details are not yet public.
  • Funding Tilt (helps) Benefits gas manufacturers. The credit directly benefits downstream natural gas manufacturers.

Follow the money

Pushing for it: Natural Gas Manufacturers
Bearing the cost: Taxpayers

Who's behind it

Republican-sponsored (1R / 0D)

Read it yourself

WV HB4255 · West Virginia Bill Book 2026 · page 5 of 20www.obillerate.com/bill/wv-hb4255-079202

Bills move. This page shows the status recorded on 2026-07-28 — check the link above for the live status. Scores are editorial opinion, not legal advice. Wrong? www.obillerate.com/corrections

WV SB623 · Money & Damages

West Virginia offers tax breaks to lure data centers

Establishing economic incentives for data centers to locate within WV · Introduced as of 2026-01-27

4/10
Mixed

Mixed: some good, some bad — on our 1–10 scale, 1 hurts and 10 helps.

What it does

The bill would give data centers big tax cuts and let them use coal power, which could lower state tax revenue and affect services.

What it means for you

Citizens could see less money for schools or roads because the state would lose tax income, while data center companies and coal producers would profit.

Who it's for

Data centers

Why it scores 4/10 — the receipts

  • Accountability (hurts) Tax breaks reduce oversight of data center impacts. Exemptions limit state ability to collect taxes
  • Rights & Protections (neutral) No direct impact on personal rights. Bill does not change individual legal protections
  • Who Bears the Cost (helps) Tax revenue loss falls on taxpayers. Exemptions shift cost from state to citizens
  • Process Transparency (neutral) Standard application process. Bill requires an application but adds no extra disclosure
  • Funding Tilt (hurts) Shifts public funds to private industry. Tax exemptions favor data centers over general budget needs

Follow the money

Pushing for it: Data centers
Bearing the cost: Taxpayers

Who's behind it

Republican-sponsored (1R / 0D)

Read it yourself

WV SB623 · West Virginia Bill Book 2026 · page 6 of 20www.obillerate.com/bill/wv-sb623-094316

Bills move. This page shows the status recorded on 2026-07-28 — check the link above for the live status. Scores are editorial opinion, not legal advice. Wrong? www.obillerate.com/corrections

WV HB4242 · Healthcare & Insurance

WV bill lets insurers offer life‑insurance loans to college students

Relating to authorizing the Insurance Commission to promulgate a legislative rule relating to premium financing for life insurance for college students. · Introduced as of 2026-01-14

4/10
Mixed

Mixed: some good, some bad — on our 1–10 scale, 1 hurts and 10 helps.

What it does

West Virginia would allow the insurance commission to set rules for financing life‑insurance premiums for college students, letting them borrow to pay for coverage.

What it means for you

Students could get life insurance sooner, but they may have to take out loans and pay extra interest, while insurers gain a new way to sell policies and earn fees.

Who it's for

Insurers

Why it scores 4/10 — the receipts

  • Accountability (hurts) rule adds authority without extra oversight. Commission can set financing rules but no new checks
  • Rights & Protections (hurts) may expose students to debt. Financing could increase costs for policyholders
  • Who Bears the Cost (hurts) students pay loan interest. Cost shifts to college students
  • Process Transparency (neutral) rule filed publicly. Rule must be published in State Register
  • Funding Tilt (neutral) no funding changes. Bill does not allocate money

Who's behind it

Republican-sponsored (1R / 0D)

Read it yourself

WV HB4242 · West Virginia Bill Book 2026 · page 7 of 20www.obillerate.com/bill/wv-hb4242-078407

Bills move. This page shows the status recorded on 2026-07-28 — check the link above for the live status. Scores are editorial opinion, not legal advice. Wrong? www.obillerate.com/corrections

WV HB4035 · Money & Damages

Tax credit helps keep coal plants running, promises cheaper power

Relating to providing a credit against the business and occupation tax imposed on coal-fired electric generating units to help off-set environmental compliance costs · Introduced as of 2026-01-14

5/10
Mixed

Mixed: some good, some bad — on our 1–10 scale, 1 hurts and 10 helps.

What it does

The bill would let coal power companies lower their taxes by 35% of pollution‑control costs, hoping to keep plants open and electricity cheaper for residents.

What it means for you

Citizens could see lower electric bills if the credit keeps coal plants running, but the state will lose tax revenue and may delay a shift to cleaner energy.

Who it's for

Coal power plants

Why it scores 5/10 — the receipts

  • Accountability (hurts) Reduces pressure on coal plants to fully fund pollution controls.. Tax credit lowers the amount they must pay, lessening accountability for environmental costs.
  • Rights & Protections (neutral) No direct impact on individual rights.. Bill does not change consumer or citizen legal protections.
  • Who Bears the Cost (hurts) State tax revenue is reduced, shifting cost to taxpayers.. Credit cuts the tax that would fund public services, effectively shifting burden to residents.
  • Process Transparency (neutral) Rulemaking authority given to Tax Commissioner.. Procedures are standard and not unusually opaque.
  • Funding Tilt (hurts) Reduces state revenue without new funding source.. Credit creates a fiscal shortfall; no dedicated funding is provided.

Who's behind it

Republican-sponsored (1R / 0D)

Read it yourself

WV HB4035 · West Virginia Bill Book 2026 · page 8 of 20www.obillerate.com/bill/wv-hb4035-078608

Bills move. This page shows the status recorded on 2026-07-28 — check the link above for the live status. Scores are editorial opinion, not legal advice. Wrong? www.obillerate.com/corrections

WV HB4256 · Work & Wages

WV tax department can set rules for business tax credit

Relating to authorizing the Tax Department to promulgate a legislative rule relating to High-Wage Growth Business Tax Credit. · Introduced as of 2026-01-14

5/10
Mixed

Mixed: some good, some bad — on our 1–10 scale, 1 hurts and 10 helps.

What it does

The state would let the tax office write rules that control a credit for companies that hire well‑paid workers.

What it means for you

Citizens should watch because the credit could lower state revenue, but it might also spur higher‑pay jobs if businesses get tax breaks.

Who it's for

Businesses

Why it scores 5/10 — the receipts

  • Accountability (hurts) Rule‑making moves control from legislators to agency. The tax department would set the credit rules without new legislative vote.
  • Rights & Protections (neutral) No direct impact on personal rights. The bill does not change any citizen's legal rights.
  • Who Bears the Cost (hurts) Tax credit reduces state revenue. Giving businesses a credit means taxpayers fund the loss.
  • Process Transparency (neutral) Rule already filed publicly. The rule is posted in the State Register, providing some openness.
  • Funding Tilt (hurts) Credit shifts money to businesses. The credit favors companies over the general fund.

Who's behind it

Republican-sponsored (1R / 0D)

Read it yourself

WV HB4256 · West Virginia Bill Book 2026 · page 9 of 20www.obillerate.com/bill/wv-hb4256-078833

Bills move. This page shows the status recorded on 2026-07-28 — check the link above for the live status. Scores are editorial opinion, not legal advice. Wrong? www.obillerate.com/corrections

WV HB4822 · Money & Damages

Data center taxes redirected to schools and insurance fund

To redirect data center tax revenue to PEIA, counties, and schools · Introduced as of 2026-01-26

5/10
Mixed

Mixed: some good, some bad — on our 1–10 scale, 1 hurts and 10 helps.

What it does

The bill would move money from a tax break for people to schools, counties and an insurance fund, changing who gets the data center tax dollars.

What it means for you

West Virginians should watch this bill because it could reduce the personal tax break they get, while giving more money to local schools and a state insurance fund, and it may affect how reliable the electric grid stays.

Who it's for

Insurers

Why it scores 5/10 — the receipts

  • Accountability (neutral) No new oversight or reporting requirements added.. The bill keeps existing tax collection processes.
  • Rights & Protections (neutral) No change to individual legal rights.. The bill does not affect any personal lawsuits or protections.
  • Who Bears the Cost (helps) Shifts money from a personal tax reduction to an insurance fund.. Taxpayers lose a portion of the break while insurers gain funding.
  • Process Transparency (neutral) Allocation formulas are already in the code.. The bill follows existing tax distribution rules.
  • Funding Tilt (hurts) More money goes to an industry‑run insurance fund.. The shift favors insurers over the personal tax reduction fund.

Who's behind it

Democrat-sponsored (0R / 9D)

Read it yourself

WV HB4822 · West Virginia Bill Book 2026 · page 10 of 20www.obillerate.com/bill/wv-hb4822-093384

Bills move. This page shows the status recorded on 2026-07-28 — check the link above for the live status. Scores are editorial opinion, not legal advice. Wrong? www.obillerate.com/corrections

10 highest-scoring

The best West Virginia bills

The other half of the record: bills that would actually help everyday people.

WV HB4517 · Work & Wages

West Virginia expands employer help for child care costs

To maximize the utility and accessibility of West Virginia’s child care tax credit for employers · Introduced as of 2026-01-19

9/10
Helps you

Good for everyday people — on our 1–10 scale, 1 hurts and 10 helps.

What it does

This bill would make it easier for West Virginia employers to get tax money for helping with child care, which could mean more child care options for working parents.

What it means for you

This bill aims to make it simpler and more rewarding for businesses to help their workers with child care costs. Right now, the tax credit mostly covers child care on the company's property. This bill would let companies get the credit for helping pay for child care at other places too, like a daycare down the street. It also makes the credit bigger and easier to use over many years. For regular people, this could mean more choices for child care that their job helps pay for, making it easier to work and afford care for their kids. Some might worry that giving more tax breaks to companies means less money for other state services. But supporters would say that helping companies with child care can keep more parents working, which helps the economy and brings in more tax money in the long run.

Who it's for

Workers

Why it scores 9/10 — the receipts

  • Accountability (neutral) Neutral. This bill does not directly address accountability for harm, but it does incentivize employers to provide a benefit.
  • Rights & Protections (helps) Improves. It expands the ability of employers to provide child care support, which can improve access to essential services for employees.
  • Who Bears the Cost (hurts) Shifts to state. The state would bear the cost of the increased tax credit through reduced tax revenue. Employers would bear more of the child care cost, shifting it from parents.
  • Process Transparency (neutral) Normal. The bill is moving through the regular legislative process, including committee review and discussion.
  • Funding Tilt (helps) Favors employers for public good. The bill provides a tax credit that directly benefits employers, encouraging them to invest in child care solutions for their workforce.

Follow the money

Pushing for it: Employers providing child care
Bearing the cost: West Virginia state tax revenue

Who's behind it

Republican-sponsored (4R / 0D)

Read it yourself

WV HB4517 · West Virginia Bill Book 2026 · page 11 of 20www.obillerate.com/bill/wv-hb4517-085631

Bills move. This page shows the status recorded on 2026-07-28 — check the link above for the live status. Scores are editorial opinion, not legal advice. Wrong? www.obillerate.com/corrections

WV HB5130 · Privacy & Data

West Virginia bill fights revenge porn with lawsuits

Permitting civil remedies for the unauthorized disclosure of intimate images · Introduced as of 2026-02-03

9/10
Helps you

Good for everyday people — on our 1–10 scale, 1 hurts and 10 helps.

What it does

This bill would let people sue if someone shares their private pictures without permission, helping victims get justice and money for their harm.

What it means for you

This bill would create a new way for people to take legal action if their private intimate pictures are shared without their okay. It means victims could get money for the harm caused, like emotional distress, and help cover their lawyer fees. This is important because it gives people a tool to fight back against harmful actions and protect their privacy. Some might say there need to be exceptions for things like reporting crimes or public interest, and this bill does include those. Now is the time to make sure this new protection is strong and fair for everyone.

Who it's for

Everyday People

Why it scores 9/10 — the receipts

  • Accountability (helps) Holds people responsible. Creates a civil action against those who intentionally disclose private intimate images without consent, allowing victims to seek damages.
  • Rights & Protections (helps) Protects privacy and gives victims a voice. Establishes a new right for individuals to sue when their private intimate images are shared without their permission, protecting their privacy and emotional well-being.
  • Who Bears the Cost (helps) Wrongdoer pays. The person who illegally shares the images would be responsible for paying damages, not the victim or public.
  • Process Transparency (neutral) Standard legislative process. The bill is going through the normal legislative steps.
  • Funding Tilt (neutral) No direct funding changes. The bill does not create or shift government funding.

Follow the money

Pushing for it: Victims of unauthorized image disclosure (Up to $10,000 in statutory damages, plus actual damages and punitive damages)
Bearing the cost: Individuals who disclose intimate images without consent (Unknown, depends on case)

Who's behind it

Democrat-sponsored (0R / 1D)

Read it yourself

WV HB5130 · West Virginia Bill Book 2026 · page 12 of 20www.obillerate.com/bill/wv-hb5130-104768

Bills move. This page shows the status recorded on 2026-07-28 — check the link above for the live status. Scores are editorial opinion, not legal advice. Wrong? www.obillerate.com/corrections

WV SB460 · Work & Wages

No state tax on tips or overtime pay for West Virginia workers

Establishing no tax on tips or overtime compensation · Introduced as of 2026-01-16

9/10
Helps you

Good for everyday people — on our 1–10 scale, 1 hurts and 10 helps.

What it does

This bill would let West Virginia workers keep more of their tips and overtime pay by stopping the state from taxing that money.

What it means for you

This bill is a good thing for many workers in West Virginia. If it passes, people who earn tips, like restaurant servers, or who work extra hours for overtime pay, would get to keep more of their hard-earned money. The state wants to make it better for people to work and for tourists to visit by helping those in the service industry. This could mean more money in your pocket if you rely on tips or overtime. It is still very new, so now is the time to tell your lawmakers if you think this is a good idea.

Who it's for

Workers

Why it scores 9/10 — the receipts

  • Accountability (neutral) Not applicable. This bill does not directly affect accountability for powerful groups or individuals.
  • Rights & Protections (neutral) Not applicable. This bill does not create or remove any specific rights or protections for ordinary people.
  • Who Bears the Cost (helps) Workers keep more money. The bill would exempt tips and overtime pay from state personal income tax, meaning workers would pay less tax and keep more of their earnings.
  • Process Transparency (neutral) Not applicable. There is no information to suggest this bill is being rushed or handled in an unclear way.
  • Funding Tilt (helps) More money for workers, less for state. By not taxing tips and overtime, the state would collect less income tax, leaving more money with individual workers.

Follow the money

Pushing for it: West Virginia workers earning tips or overtime
Bearing the cost: West Virginia state government (less tax revenue)

Who's behind it

Republican-sponsored (2R / 0D)

Read it yourself

WV SB460 · West Virginia Bill Book 2026 · page 13 of 20www.obillerate.com/bill/wv-sb460-083973

Bills move. This page shows the status recorded on 2026-07-28 — check the link above for the live status. Scores are editorial opinion, not legal advice. Wrong? www.obillerate.com/corrections

WV HB4810 · Healthcare & Insurance

Dental plans must show where your money goes

Relating to dental health care service plans · Introduced as of 2026-01-26

8/10
Helps you

Good for everyday people — on our 1–10 scale, 1 hurts and 10 helps.

What it does

The bill would force dental insurers to publish how they spend premiums and give a rebate if they spend too little on care.

What it means for you

If passed, West Virginians could see more of their dental premiums go to actual treatment and get lower costs, while dentists won’t be forced to pay credit‑card fees.

Who it's for

Everyday People

Why it scores 8/10 — the receipts

  • Accountability (helps) Enforcement by commissioner. Commissioner can penalize carriers for violations
  • Rights & Protections (helps) Adds consumer transparency. Consumers get clear info on how premiums are used
  • Who Bears the Cost (helps) Rebates shift cost to insurers. Insurers must refund premium money if care spending is low
  • Process Transparency (helps) Annual reporting required. Public can see loss ratios for each plan
  • Funding Tilt (neutral) No new funding. Bill does not create new spending programs

Who's behind it

Republican-sponsored (10R / 0D)

Read it yourself

WV HB4810 · West Virginia Bill Book 2026 · page 14 of 20www.obillerate.com/bill/wv-hb4810-093439

Bills move. This page shows the status recorded on 2026-07-28 — check the link above for the live status. Scores are editorial opinion, not legal advice. Wrong? www.obillerate.com/corrections

WV SB548 · Healthcare & Insurance

Dental insurance must show where your money goes

Requiring transparency of dental health care insurance products · Introduced as of 2026-01-20

8/10
Helps you

Good for everyday people — on our 1–10 scale, 1 hurts and 10 helps.

What it does

The bill would force dental insurers to report how they spend premiums, ban fee‑charging payment methods, and give rebates if care spending is low.

What it means for you

If passed, West Virginia residents will see more of their dental premiums used for care, and dentists will be protected from hidden fees, but insurers may raise prices to cover costs.

Who it's for

Everyday People

Why it scores 8/10 — the receipts

  • Accountability (helps) Transparency and reporting increase accountability.. Annual MLR reports filed with commissioner and public posting.
  • Rights & Protections (helps) Protects dentists from fee‑charging payment methods.. No payment method can charge dentists fees unless they agree.
  • Who Bears the Cost (hurts) Cost shift to insurers, not consumers.. Premium reduction rebates shift cost to carriers if MLR not met.
  • Process Transparency (helps) Public posting of loss ratios improves transparency.. Commissioner must post aggregate MLR data online.
  • Funding Tilt (neutral) No new funding required.. Bill creates reporting requirements but no appropriations.

Follow the money

Pushing for it: Consumers
Bearing the cost: Insurance carriers

Who's behind it

Republican-sponsored (6R / 1D)

Read it yourself

WV SB548 · West Virginia Bill Book 2026 · page 15 of 20www.obillerate.com/bill/wv-sb548-086332

Bills move. This page shows the status recorded on 2026-07-28 — check the link above for the live status. Scores are editorial opinion, not legal advice. Wrong? www.obillerate.com/corrections

WV SB760 · Consumer Protection

Homeowners get new warranty protections for house improvements

Establishing certain rights for purchasers of residential improvements · Introduced as of 2026-02-05

8/10
Helps you

Good for everyday people — on our 1–10 scale, 1 hurts and 10 helps.

What it does

The bill would force contractors to give homeowners a one‑year warranty on major work and stop them from limiting that warranty.

What it means for you

Homeowners could get better protection and cheaper fixes, while contractors may face higher costs, so the bill deserves public attention now before it passes.

Who it's for

Everyday People

Why it scores 8/10 — the receipts

  • Accountability (helps) Adds disciplinary powers for the licensing board.. Board can revoke, suspend, or fine contractors for violations.
  • Rights & Protections (helps) Creates mandatory warranty rights for homeowners.. Contracts must include express warranties and cannot limit them.
  • Who Bears the Cost (helps) Costs of repairs shift to contractors, not homeowners.. Contractors must fix defects at no expense to the owner.
  • Process Transparency (helps) Requires clear display of arbitration clauses.. ADR provisions must be in bold, capitalized text and located prominently.
  • Funding Tilt (neutral) No new funding or fees mentioned.. Bill does not allocate money or change tax revenue.

Who's behind it

Republican-sponsored (2R / 0D)

Read it yourself

WV SB760 · West Virginia Bill Book 2026 · page 16 of 20www.obillerate.com/bill/wv-sb760-108525

Bills move. This page shows the status recorded on 2026-07-28 — check the link above for the live status. Scores are editorial opinion, not legal advice. Wrong? www.obillerate.com/corrections

WV HB5122 · Healthcare & Insurance

New program could make health insurance cheaper for West Virginians

Creating the Affordable Medicaid Buy-in Program · Introduced as of 2026-02-03

8/10
Helps you

Good for everyday people — on our 1–10 scale, 1 hurts and 10 helps.

What it does

This bill would create a new health insurance option for people who can't get Medicaid or Medicare, helping them afford care.

What it means for you

If this bill passes, more people in West Virginia could get affordable health insurance. Now is the time to support it so everyone can have better access to health care.

Who it's for

Everyday People

Why it scores 8/10 — the receipts

  • Rights & Protections (helps) Provides more health insurance options. Creates a new plan for those not qualifying for Medicaid or Medicare.
  • Who Bears the Cost (neutral) Federal funding may help cover costs. The bill seeks to maximize federal dollars to support the program.
  • Process Transparency (helps) Includes an advisory council for oversight. An advisory council will help guide the program's implementation.

Who's behind it

Democrat-sponsored (0R / 1D)

Read it yourself

WV HB5122 · West Virginia Bill Book 2026 · page 17 of 20www.obillerate.com/bill/wv-hb5122-104696

Bills move. This page shows the status recorded on 2026-07-28 — check the link above for the live status. Scores are editorial opinion, not legal advice. Wrong? www.obillerate.com/corrections

WV SB151 · Healthcare & Insurance

Life insurance cash value won't count against Medicaid eligibility

Exempting life insurance cash value from Medicaid eligibility calculations · Introduced as of 2026-01-14

8/10
Helps you

Good for everyday people — on our 1–10 scale, 1 hurts and 10 helps.

What it does

This bill would let people keep more money in life insurance without losing Medicaid help.

What it means for you

If this bill passes, more people could qualify for Medicaid while still having life insurance. This is important for families who need help paying for healthcare.

Who it's for

Everyday People

Why it scores 8/10 — the receipts

  • Rights & Protections (helps) Increases financial security for families. Allows families to have life insurance without losing Medicaid benefits.
  • Who Bears the Cost (neutral) No direct cost shift identified. Does not shift costs onto others.

Who's behind it

Bipartisan sponsorship (4R / 2D)

Read it yourself

WV SB151 · West Virginia Bill Book 2026 · page 18 of 20www.obillerate.com/bill/wv-sb151-078938

Bills move. This page shows the status recorded on 2026-07-28 — check the link above for the live status. Scores are editorial opinion, not legal advice. Wrong? www.obillerate.com/corrections

WV SB621 · Work & Wages

West Virginia helps companies pay for employee child care

Providing tax credit to corporations for existing employer-provided child care facilities · Introduced as of 2026-01-27

8/10
Helps you

Good for everyday people — on our 1–10 scale, 1 hurts and 10 helps.

What it does

This bill would give companies money back on their taxes for running child care, which could make child care cheaper or easier for working parents.

What it means for you

This bill would help working families by making it easier and cheaper for companies to offer child care at work. When businesses get a tax break for helping with child care, it can mean more spots for kids or lower costs for parents. This is a good thing for families who need help finding safe places for their children while they work. Some might say that giving tax money back to companies means less money for other state programs. But supporters believe that helping companies provide child care is a smart way to help the economy and support parents at the same time.

Who it's for

Big Business

Why it scores 8/10 — the receipts

  • Accountability (neutral) No direct impact on accountability for bad actors.. The bill focuses on tax incentives for child care, not on holding anyone accountable for harm or wrongdoing.
  • Rights & Protections (helps) Helps parents access child care.. By making employer-provided child care more affordable for businesses, this bill could indirectly help employees get access to child care, which supports their right to work and care for their families.
  • Who Bears the Cost (hurts) State taxpayers would cover the cost of the tax credits.. The tax credit means less money for the state budget, shifting the cost of supporting employer child care from businesses to all state taxpayers.
  • Process Transparency (neutral) Standard legislative process.. The bill is moving through the regular legislative steps, with no signs of being rushed or hidden.
  • Funding Tilt (helps) Benefits employers and their employees.. The tax credit directly benefits businesses that provide child care and indirectly benefits their employees by potentially making child care more accessible or affordable.

Follow the money

Pushing for it: Employers and their employees
Bearing the cost: State tax revenue

Who's behind it

Bipartisan sponsorship (1R / 1D)

Read it yourself

WV SB621 · West Virginia Bill Book 2026 · page 19 of 20www.obillerate.com/bill/wv-sb621-094415

Bills move. This page shows the status recorded on 2026-07-28 — check the link above for the live status. Scores are editorial opinion, not legal advice. Wrong? www.obillerate.com/corrections

WV HB4291 · Work & Wages

State board could waive fees for new landscape architects

Relating to authorizing the Board of Landscape Architects to promulgate a legislative rule application for waiver of initial licensing fees for certain individuals. · Introduced as of 2026-01-14

8/10
Helps you

Good for everyday people — on our 1–10 scale, 1 hurts and 10 helps.

What it does

This bill would approve a rule that lets the state board waive initial fees for some landscape architects, making it easier for them to start working.

What it means for you

This bill would give the green light to a rule that helps certain people become landscape architects by cutting their first costs. This is good for those individuals and could help more people join the profession. Some might worry about how the board will cover its costs if fees are waived, but the bill focuses on helping new professionals.

Who it's for

Everyday People

Why it scores 8/10 — the receipts

  • Accountability (neutral) Neutral impact on accountability.. The bill authorizes an existing legislative rule, which is a standard process for board actions.
  • Rights & Protections (helps) Helps certain individuals.. The bill would make it easier for certain individuals to get licensed by waiving initial fees, which could expand access to the profession.
  • Who Bears the Cost (helps) Reduces costs for individuals.. The bill would waive initial licensing fees for certain individuals, directly reducing their financial burden to start work.
  • Process Transparency (neutral) Standard process.. The bill authorizes a legislative rule, which typically involves public review and comment.
  • Funding Tilt (helps) Benefits individuals.. By waiving fees, the bill provides a financial benefit to certain individuals seeking to enter the landscape architecture profession.

Follow the money

Pushing for it: Certain individuals becoming landscape architects
Bearing the cost: The Board of Landscape Architects

Who's behind it

Republican-sponsored (1R / 0D)

Read it yourself

WV HB4291 · West Virginia Bill Book 2026 · page 20 of 20www.obillerate.com/bill/wv-hb4291-078512

Bills move. This page shows the status recorded on 2026-07-28 — check the link above for the live status. Scores are editorial opinion, not legal advice. Wrong? www.obillerate.com/corrections

Index by bill number

  • HB4035 5/10 · Tax credit helps keep coal plants running, promises cheaper power
  • HB4193 3/10 · West Virginia bill would let colleges raise tuition per credit
  • HB4242 4/10 · WV bill lets insurers offer life‑insurance loans to college students
  • HB4255 3/10 · Gas tax credit rule could lower state revenue
  • HB4256 5/10 · WV tax department can set rules for business tax credit
  • HB4291 8/10 · State board could waive fees for new landscape architects
  • HB4517 9/10 · West Virginia expands employer help for child care costs
  • HB4810 8/10 · Dental plans must show where your money goes
  • HB4822 5/10 · Data center taxes redirected to schools and insurance fund
  • HB5122 8/10 · New program could make health insurance cheaper for West Virginians
  • HB5130 9/10 · West Virginia bill fights revenge porn with lawsuits
  • HB5261 3/10 · West Virginia expands property seizure powers, limits owner rights
  • SB151 8/10 · Life insurance cash value won't count against Medicaid eligibility
  • SB35 2/10 · Employers shielded from lawsuits for workers with expunged records
  • SB460 9/10 · No state tax on tips or overtime pay for West Virginia workers
  • SB548 8/10 · Dental insurance must show where your money goes
  • SB621 8/10 · West Virginia helps companies pay for employee child care
  • SB623 4/10 · West Virginia offers tax breaks to lure data centers
  • SB760 8/10 · Homeowners get new warranty protections for house improvements
  • SB78 3/10 · Banks must serve gun shops, or face state penalties

West Virginia Bill Book 2026 · data as of 2026-07-28 · www.obillerate.com/library/2026/wv