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Important Message: Open Enrollment for 2025 health insurance plans is here. You can now enroll in a new plan or change plans. Sign up by December 15 to have insurance starting January 1, 2025! 

Instructions for Direct-Enrolled Customers

Are you enrolled in coverage directly through Blue Cross and Blue Shield of Vermont or MVP Health Care? You may be missing out on valuable tax credits to help pay for health coverage. Eligible customers can transfer a plan to Vermont Health Connect and get these premium tax credits. The opportunity to take advantage of these tax credits will remain in place through 2025.

Group health plans can’t be transferred. You can’t get premium tax credits if you have an offer of affordable job-based insurance, Medicaid or Medicare.

When you transfer your direct-enrolled plan to Vermont Health Connect, you will keep the same health plan. Any payments you’ve already made towards your deductible and max-out-of-pocket limits will transfer with you—so there’s nothing to lose.

Vermonters with much higher incomes may now qualify for tax credits when they sign up for Vermont Health Connect.

     2025 Income Thresholds
Who's covered You may get lower costs if your income is under:
  Single $180,216     
  Couple $360,432     
  Parent and Child(ren) $347,816     
  Family $506,407     


Ready to transfer your plan?

The sooner you enroll through Vermont Health Connect, the more tax credits you can get. 

If you’re ready to switch, here’s what to do: 

Step 1: Make sure your premium payments are up to date. Vermont Health Connect cannot transfer your plan if you have an outstanding balance.

Step 2: Decide whether to apply online or by phone. 

Step 3: Login, or create an account, and fill out an application. Or, call us at 1-855-899-9600 to apply by phone.

  • When we ask if you want to apply for financial help, here are your choices:
    • If you ask for financial help, you won’t have to wait until you file next year’s taxes to get premium tax credits.
      • You will receive a notice telling you your eligibility under the new rules. You will then have the option to apply your tax credits as a discount on your monthly bill.
    • If you don’t ask for financial help, you will get all your premium tax credits when you file federal income taxes.

Step 4: After you apply, call us at 1-855-899-9600 to finish transferring your enrollment to Vermont Health Connect.

  • You will continue to pay your insurance company. Look for instructions from them on how to do so or visit our Payment FAQ.