If you have insurance through Vermont Health Connect and have had certain life changes, we need to know. A change in income or family situation can impact your choices and the amount of financial help you qualify for.
The Most Common Life Changes We Need To Know About
• Getting married or divorced
• Having a baby or adopting a child
• A change in income
• Getting health coverage through a job or a program like Medicare or Medicaid
• Changing where you live
• A change in disability status
• Gaining or losing a dependent
• Becoming pregnant
These changes should be reported by calling Vermont Health Connect toll-free at 1-855-899-9600 or by logging into your account and reporting your change online.
Choosing the Right Health Plan
If life changes do impact how much financial help you receive, you might need – or want – to choose a new plan. Use the steps and resources below as a guide to help you select the plan that best meets your needs and budget.
Get familiar with health insurance lingo and learn the terms to better understand how health insurance can work for you.
Find out what you qualify for. Most Vermonters can either get free or low-cost coverage through Medicaid or Dr. Dynasaur, or get help to lower their monthly premium and out-of-pocket costs. It’s important to remember that you must purchase a silver-level plan on Vermont Health Connect to take advantage of cost-sharing reductions to lower your out-of-pocket costs, if you qualify. Visit the Subsidy Estimator to learn more.
Think about what type of care you’ve needed recently or may need in the future. Then check out what the plans offer. See the Plan Comparison Brochures to compare your options side-by-side and then check out the Summaries of Benefits & Coverage – a brief view of what the plans cover and their costs.
If you have questions about whether a specific service or prescription is covered, you can speak to a representative from a health insurance carrier. Then, if you need help applying or choosing a plan, you can meet with a trained, certified in-person Assister near you.
Life Changes Outside of Open Enrollment
2018 Open Enrollment runs now through December 15, 2017. If you experience a life change after December 15, 2017, it is important to report it as soon as possible because you may qualify for a Special Enrollment Period. This would allow you to make changes to your plan. Learn more about qualifying for a Special Enrollment Period.
Most Americans who do not have health insurance will have to pay the Shared Responsibility Payment when they file their federal taxes.