Decision Tools

Important Message: To get health insurance, you must sign up during an enrollment period. Vermont Health Connect’s Open Enrollment usually starts November 1 and ends December 15. Any Vermonter can sign up for a qualified health plan during Open Enrollment. At other times, you can get a 60-day Special Enrollment Period if you have a major life event, such as losing your health insurance. Vermonters who are eligible for Medicaid can enroll at any time.


Plan Comparison Tool - 1) estimates financial help available to help lower costs and 2) estimates possible out-of-pocket costs for each plan option based on age, health status, and expected use of medical services.

2020 Quality Rating System Scores

Affordability Estimator - for employees to use to see if their company's health insurance is considered "unaffordable," which could then qualify them for financial help to purchase health insurance on their own

2020 Health Reimbursement Arrangement (HRA) Affordability Worksheet - for employees to use to see if their company's HRA is “affordable.” Offers advice for when you may and may not use your HRA, or accept tax credits, to help pay for a health plan. For plan year 2021, please use the 2021 Health Reimbursement Arrangement (HRA) Affordability Worksheet.