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Vermont Health Insurance (VT)


Choose from the list below to learn more about specific health insurance providers in Vermont. Read on to learn about health insurance regulations in your state. Or enter your zip code in the box to the right to request a health insurance quote.

Health Insurance Providers in Vermont (VT)

Blue Cross and Blue Shield of Vermont

Individual Health Insurance in Vermont (VT)

Individual health insurers are not allowed to deny insurance because of a health problem and they must further offer family coverage if requested. If you have a pre-existing condition, insurers are not allowed to impose elimination riders but can require exclusion periods of no longer than 12 months. They are also able to review your medical history for the six months prior to coverage. If you have maintained continuous coverage, with no lapse longer than 63 days, you are entitled to creditable coverage. Your health status cannot help determine the cost of your premium and it cannot increase by more than 20% at renewal. Your insurance cannot be cancelled due to illness.

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Group Health Insurance in Vermont (VT)

Group health insurance in Vermont provides that if you are eligible you cannot be refused or charged more because of a health problem. There are several life changes relating to family or job loss that can affect your opportunities for group health also. New employers are allowed to wait to offer group coverage to new employees. Civil partners of the insured can be included in group coverage. A Vermont law affects the group insurance of employees which are taking a medical or family leave and which are not helped by the FMLA federal law. Group health insurers are allowed to look back at your medical history for the 6 months prior to coverage. If there is a pre-existing condition, the company can require a maximum 12 month exclusion period. Although the regulations depend on your type of group coverage, continuous coverage can be creditable toward your exclusion period.

Small Business Health Insurance in Vermont (VT)

Small businesses with one to 50 employees cannot be denied small group health insurance and the policies are required to be common health plans. Due to illness in your employee group, your insurance cannot be cancelled. The costs of premiums are community rated and guaranteed for six months.

Self-Employed Health Insurance in Vermont (VT)

Self-employed individuals are allowed to purchase small group insurance in Vermont. The regulations governing professional or business associations which offer group insurance are available through the Vermont Department of Banking, Insurance, Securities and Health Care Administration.

Department of Banking, Insurance, Securities & Health Care Administration
89 Main Street
Drawer 20
Montpelier, VT 05620
www.bishca.state.vt.us

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Vermont Programs (VT)

There are programs in Vermont, like Medicaid and Ladies First, which offer assistance with health needs to residents.

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