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Important Message: The new 2025 Plan Comparison Tool is now live! Use the tool to see which health plan is best for you and compare costs. Make sure you are getting the right amount of financial assistance.

2025 Plan Updates

Big changes not to miss when you shop for your health insurance plan through Vermont Health Connect (VHC)!

Open Enrollment starts November 1. Changes are coming for the next year. Take the time to compare and shop for the plan that is the best for you. You may need to take action.

  • More financial help is available!
    Everyone who has been getting financial help will get more in 2025. The additional financial help can be applied to any metal plan.

  • Monthly Premiums are LESS for Gold plans than for Silver plans!
    Usually, monthly premium costs increase with each metal level (Bronze, Silver, Gold, Platinum). In 2025, Gold Plan premiums will cost less per month than Silver Plans. Think about all of your healthcare costs. It pays to SHOP AND COMPARE using the Plan Comparison Tool. Find the plan that’s best for you.

    • Customers will continue to be auto renewed. This year, some customers on a Silver Plan will be automatically moved to a more cost-effective plan.

  • If you were in a Silver Plan in 2024,
    It’s possible that plan may no longer be available. There are some silver plans, like a Silver 87 or Silver 94 that may still be the best choice for you, but you should always assess your needs and then shop to compare plans and offers from insurance companies on the Vermont marketplace. Call Blue Cross and Blue Shield of Vermont or MVP Health Care directly to get information about their coverage and details of their network.

What to do NOW!

Here’s a checklist to help you get started:

  1. Report any changes. Update your information with Vermont Health Connect at www.VermontHealthConnect.gov. Did you get married? Start a new job? We use this information to determine how much financial assistance you can receive.

  2. Review your current coverage: Assess your current health insurance plan. Consider your needs and what worked well and what didn’t this past year. Look at your coverage AND out-of-pocket costs for doctor visits, prescriptions, specialist care, and any other benefits. You can decide if you want to keep your existing plan or enroll in a different one.

  3. Watch your mail: Your insurance company will be sending you a notice before Open Enrollment. Review your information carefully! Look for any changes in your current plan’s benefits, costs, or network of providers. Sometimes, plans change their terms from year to year. Check premiums, deductibles, co-pays, out-of-pocket maximums, and coverage details.

More plan details will be available in mid-October including:

  • the Plan Comparison Tool for 2025 health plans. The tool will give you a quick estimate of your eligibility for financial help. It will help you shop and compare individual plans and costs side-by-side, showing all metal levels and insurance companies. How do I use it?

  • a summary of benefits and coverage for all Vermont Health Marketplace plans.

Enrolling directly with Vermont Health Connect will allow you to take advantage of any available financial help. This may result in lower monthly premium payments or lower out-of-pocket costs.

Continue to check back here for more 2025 Plan information updates!