Decision Tools

Important Message:  Open Enrollment starts November 1! To enroll in a qualified health plan, you must sign up during an enrollment period. Open Enrollment is the time when any Vermonter can sign up for health coverage, or make changes to an existing plan. Open Enrollment starts November 1 and ends December 15, 2020—so mark your calendar! If you miss Open Enrollment, you might have to wait until next year to get health insurance..


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.