The open enrollment period for buying (or changing) a 2019 Vermont Health Connect plan is November 1 to December 15, 2018. When you sign up for a health plan during this time, your plan will start January 1.
For 2019, everyone needs to be aware of the big changes in how much Vermont Health Connect plans cost.The cost of silver plans on Vermont Health Connect went up a lot in 2019. On average, in 2019 families will get $1,200 more Advance Premium Tax Credit (APTC). This means you can get a gold plan for about the same cost as a silver plan. Most uninsured Vermonters can get a bronze plan for a very low or no premium.
If you don’t get Advance Premium Tax Credit and want to stay on silver plan, you should enroll directly with Blue Cross Blue Shield of Vermont or MVP on a “Reflective Silver” plan. The Reflective Silver plans are for Vermonters without Advance Premium Tax Credit. They are very similar to Vermont Health Connect plans, but they cost less. Remember, you cannot get APTC to help pay for Reflective Silver plans. You should only enroll in Reflective Silver plans if you are not eligible for APTC.Take Action Before December 15
The 2019 changes impacts each household differently. Take the following steps to find the best plan for you:Find out what Vermont Health Connect plan you are currently enrolled on. If you are on a silver plan, find out what level cost-sharing you have (Silver 94, Silver 87, Silver 77, Silver 73, or Silver 70). If you aren’t sure which plan or level you have, check your monthly premium bill, call your insurance company or call Vermont Health Connect. Review your expected 2019 yearly income. Find out if you are eligible for Advance Premium Tax Credit for 2019. Enter your information in the plan comparison tool to see if you are eligible for Advance Premium Tax Credit and find the best plan for your household. Call Vermont Health Connect by December 15 to change plans and update your income or other household information. If you need help, find an Assister near you or call Vermont Health Connect. Contact us at the Office of the Health Care Advocate if you have any questions or problems. Need More Information?
Call 1-800-917-7787 to speak with a health care advocate. Or fill out our Help Request Form. The HCA is a free resource available to help all Vermonters solve problems related to health care.