Vermont Health Insurance Policies

→ Click here to visit the Vermont Division of Health Care Administration

Guaranteed Health Insurance Plan

As a HIPPA eligible enrollee in Vermont, you are:

• Guaranteed the right to purchase an individual insurance policy from any insurance company offering individual coverage
• Must be given the choice of at least two policies with benefits similar to policies sold to everyone else
• Are not subject to any pre-existing condition exclusion periods or elimination riders

HIPAA Eligibility

To be HIPAA eligible in Vermont, you must:

1. Have 18 months of continuous creditable coverage, with at least the last day under the Brethren Ministers Group; and
2. Not be eligible for Medicare, Medicaid or a group plan; and
3. Apply for health insurance for which you are HIPAA eligible within 63 days of losing your prior coverage; and
4. Not have health insurance.

Note: If you know your group coverage is about to end, you can apply for coverage for which you will be HIPAA eligible.

How much does health insurance cost?

Premiums for individual health policies in Vermont cannot vary based on health status. Insurers cannot use medical information to set rates. All citizens must be accepted at the same premium (a principle known as community rating) regardless of their health. All applicants (both HIPAA-eligible and non HIPAA-eligible) are guaranteed a health policy at the same community rate. Insurers may deviate from community rating to a limited extent due to the age and gender of the individual. Rates may also vary based on benefits purchased and family size. Plans for individuals, two persons, and families must all be offered.

For more information

For more information, visit the Vermont Division of Health Care Administration online at www.bishca.state.vt.us, or call (800) 631-7788 or (802) 828-2900. You may also visit BlueCross BlueShield of Vermont online at www.bcbsvt.com, or call (800) 255-4550.

Special insurance for children: Dr. Dynasaur

A family of four making up to $54,000 a year may be eligible for Dr. Dynasaur.

• Do you qualify? Visit Eligibility
• Click here to see an application
• Questions? View their FAQs, or call (800) 800-4005