Important Message: 2019 Open Enrollment starts November 1 and ends December 15! This is the time when any Vermonter can sign up for 2019 health coverage, or make changes to an existing plan. If you lose health coverage or have another qualifying event after Open Enrollment ends, you can still sign up but need to act fast. If you wait more than 60 days to apply and select your plan, you might have to wait until next year to get health insurance.
All Vermont Health Connect plans cover the same set of essential health benefits. The difference in the plans is how you pay for those benefits. With a platinum plan, you pay the highest premium each month but you pay less when you actually use services. With a bronze plan, you pay less each month but you pay more for the services that you use. Before selecting a health plan, be sure to compare the monthly premiums and out-of-pocket costs for prescription drugs and medical services. If you need help, trained and certified Assisters are available throughout the state.
Basic Resources
- Plan Comparison Tool - see if you qualify for financial help to lower your monthly premium and out-of-pocket costs, then compare estimates of the total cost you might pay with each available plan
- 2018 Plan Comparison Brochures - an overview of plan details side-by-side by metal level, as well as catastrophic and dental plans
Find More Below
- Medicaid and Dr. Dynasaur - free or low-cost health coverage for Vermonters who qualify
- Enhanced Silver Plans - If you qualify for cost-sharing reductions, view Enhanced Silver plans here: Silver 94, Silver 87, Silver 77, or Silver 73 (if you are unsure which Silver plan you might qualify for, visit the Subsidy Estimator).
- Catastrophic Plans - please note potential for significant out-of-pocket costs and that eligibility requirement applies
- Dental Plans - details on pediatric dental plans that are included in health plans, as well as stand-alone dental plan details and premiums
Detailed Resources
- Summary of Benefits and Coverage (SBC) - an 8-page description of each health plan, including the enhanced versions of silver plans for Vermonters who qualify
- 2018 Plan Designs and Rates - an overview of all metal level health plans and premiums (before subsidy) all on one sheet
- Preventive service lists from BCBSVT & MVP - preventive care is free with all of Vermont Health Connect plans
- Provider Networks and Covered Prescriptions - links to detailed information from the insurance carriers
-
Medical Loss Ratio (MLR) for health insurance carriers - information reported to CMS can be found at this link by 1) selecting Vermont, 2) typing "MVP" or "Blue Cross" and 3) clicking the gray "MLR" button
Plan Comparison Brochures
Once you've narrowed down your plan selection to a metal level or two, compare your options side-by-side with our plan comparison brochures:
- Platinum & Gold Plans - plans with higher monthly premiums and lower out-of-pocket costs
- Silver 70 Plans - if you qualify for cost-sharing reductions, also available as Enhanced Silver 94, Silver 87, Silver 77, or Silver 73
- Bronze Plans - plans with lower monthly premiums and potentially significant out-of-pocket costs
| Standard Plans | BCBSVT | MVP |
| Platinum | BCBSVT | MVP |
| Gold | BCBSVT | MVP |
|
Silver (see below for Enhanced Silver) |
BCBSVT | MVP |
| Bronze | BCBSVT | MVP |
|
Silver CDHP (HDHP) (see Enhanced, can pair with HSA) |
BCBSVT | MVP |
|
Bronze CDHP (HDHP) (can pair with HSA) |
BCBSVT | MVP |
|
Bronze Without Rx MOOP (New in 2018) |
BCBSVT | MVP |
| Blue Rewards & VT Plus | BCBSVT | MVP |
| Gold | Blue Rewards | VT Plus |
| Gold CDHP (HDHP) | Blue Rewards | VT Plus |
| Silver (see below for Enhanced Silver) | Blue Rewards | VT Plus |
|
Bronze Without RX MOOP (New in 2018) |
Blue Rewards | VT Plus |
|
Bronze CDHP (HDHP) Without RX MOOP |
Blue Rewards | N/A |
| Bronze | N/A | VT Plus |
| Enhanced Silver Plans |
Learn about Enhanced Silver plans and whether you qualify |
|
| Silver 94 (94% AV) | BCBSVT | MVP |
| Silver 87 (87% AV) | BCBSVT | MVP |
| Silver 77 (77% AV) | BCBSVT | MVP |
| Silver 73 (73% AV) | BCBSVT | MVP |
| Silver HDHP 94 (94% AV) | BCBSVT | MVP |
| Silver HDHP 87 (87% AV) | BCBSVT | MVP |
| Silver HDHP 77 (77% AV) | BCBSVT | MVP |
| Silver HDHP 73 (73% AV) | BCBSVT | MVP |
|
Enhanced Silver Plans Blue Rewards & VT Plus |
BCBSVT | MVP |
| Silver 94 (94% AV) | Blue Rewards | VT Plus |
| Silver 87 (87% AV) | Blue Rewards | VT Plus |
| Silver 77 (77% AV) | Blue Rewards | VT Plus |
| Silver 73 (73% AV) | Blue Rewards | VT Plus |
| Other | ||
| Catastrophic | BCBSVT | MVP |
| Dental Plans | |
| Northeast Delta Dental (NEDD) | |