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Important Message: Open Enrollment for 2022 health and dental plans is coming! Learn how the American Rescue Plan Act lowers health insurance for Vermonters. Find out when and how to apply.

Full-Cost Individual Direct Enrollment

Eligible Vermonters enrolled in a Vermont Health Connect plan can get financial help paying for health insurance. However, Vermonters who are not eligible for financial help can choose to enroll directly with their health insurance company during an enrollment period—such as Open Enrollment or a Special Enrollment Period. Vermonters who enroll directly with their health insurance company can’t get financial help—even if otherwise eligible.

Vermonters who enroll directly with their health insurance company can choose to come back to Vermont Health Connect and get financial help paying for coverage.

What is Full-Cost Direct Enrollment?

  • “Direct enrollment” is the process of signing up for health insurance through a health insurance company, rather than through Vermont Health Connect.
  • This process is for individuals and families who are buying insurance on their own, not through an employer.
  • “Full-cost” means that Vermonters who choose to enroll directly can’t get financial help to pay for their insurance. Vermonters who want financial help must enroll through Vermont Health Connect. 

A Few Things to Remember About Full-Cost Direct Enrollment: