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:
- Full-cost direct enrollment is offered by Blue Cross Blue Shield of Vermont (BCBSVT) and MVP Health Care® (MVP).
- Full-cost direct enrollment customers cannot apply for Advanced Premium Tax Credits (APTC), Vermont Premium Assistance (VPA), or Cost-Sharing Reductions (CSR) through either the state or federal government.
- Vermonters must enroll through Vermont Health Connect to get Medicaid or Dr. Dynasaur.
- Full-cost direct enrollment customers will be billed directly by their insurance company.
- Vermonters who have active coverage can switch from full-cost direct enrollment back to a qualified health plan through Vermont Health Connect.