"Because, to be honest, you need the healthy people coming into the system too in order to ... offset the costs for people who aren't [healthy]," Grossi said.
People will be able to enroll by mail, online, in-person or by a 24-hour call center, she said.
The federal government will also give $2.5 million to federally qualified community health centers in West Virginia for outreach and enrollment of the uninsured population.
The state will get another $600,000 for so-called "navigators," or federally -selected agencies that will educate the public and assist in enrollment
At least two agencies in the state will be designated as navigators, Grossi said.
"If you get afforded the money must make sure you're doing outreach and enrollment across the whole state," she said.
DHHS will also provide free training for certified application counselors, or volunteers that will help people apply for insurance or Medicaid. Because they won't be paid positions, these will most likely be people who have a vested interest in seeing people gain health insurance, for instance people who work in a hospital emergency room, Grossi said.
The state's health insurance marketplace will offer four tiers of qualified health plans -- bronze, silver, gold and platinum. The plans vary depending on the percentage it covers before a customer must pay chip in with co-payments and deductibles.
A bronze plan covers 60 percent, while the platinum covers 90 percent, Grossi said.
"If you're 28 and healthy a bronze plan is probably going to work for you because it's a lower premium but higher co-pays and deductibles," Grossi said. "You're taking a risk that if you get sick you're going to pay much more out of pocket."
Financial assistance for health insurance premiums is available to those who make up to 400 percent of the federal poverty level, or $94,200 for a family of four. There is a separate financial assistance available for those who make up to 200 percent of the poverty level, or $58,000 for a family of four, Grossi said.
Insurance companies have until May 31 to apply to offer a qualified health plan through the insurance marketplace. Those plans must offer so-called essential health benefits, or packages of certain items and services.
People who don't enroll in health insurance or Medicaid and are not exempt for one or more of nine reasons will see a penalty on their 2014 tax returns, Grossi said. The penalty for the first year is $95 or the equivalent of 1 percent of a person's income, whichever is more.
In 2016, that penalty rises to $695 or 2.5 percent of a person's income, Grossi said.
Staff writer Kate Long contributed to this story. Reach Lori Kersey at lori.ker...@wvgazette.com or 304-348-1240.