About Health Insurance in Vermont
Since Vermont has a Guarantee Issue Health Insurance plan, there are a great amount of options, thought East Coast Health Insurance is not yet licensed in the state. Because guarantee issue details can get confusing, we have provided information to help.
- Total Population: 619,200
- Total Uninsured Population: 58,700 (16%)
- Typical Cost of Inpatient Hospital Visit Per Day: $1,656
- Average State Premium for Individual Health Insurance: $401
Information provided by Kaiser Family Foundation, 2010.
Choosing a Plan in Vermont
Green Mountain Care is an organization that gives medical care plans to those without insurance in Vermont.
They have created programs to to regulate out-of-pocket costs, with no or very low co-pays and premiums. It covers the necessities like emergency care, doctors visits, and prescriptions.
Call 800-250-8427 or visit greenmountaincare.org for more information.
Catamount Health is a medical insurance plan offered by the state of Vermont, made possible by MVP Health Care and Blue Cross Blue Shield of Vermont.
Catamount Health offers coverage for checkups and screenings, chronic disease care, hospital visits, doctor visits, emergency care, prescription medicines and more.
Premiums range from $60-$393 per month based on your income, deductibles are $250 for individuals and $500 for families (in-network), office visit co-payments are $10, and prescriptions range from $10-$50. Premium Assistance is also available and the cost depends upon your income.
It is available for the following Vermont residents:
- Not qualified for Green Mountain Care plans like Medicare, Medicaid, or Vermont Health Access Plan (VHAP)
- Not insured for 12 months or more (except for those who lost insurance due to loss of work or a divorce)
- Are not insured through an employer
- Are an adult making more than $1,359 monthly (more for larger households), or a parents making more than $1,676 monthly (more for larger households)
Employer-Sponsored Insurance (ESI) Premium Assistance
As a Vermont resident, you can receive assistance paying your employer’s medical insurance under the following conditions:
- Your income is less than or the same as $2,718* monthly for one individual (more for larger households)
- You qualify for Catamount Health or the Vermont Health Access Plan (VHAP)
- You have comprehensive benefits under your employer
- Your employer’s plan is more affordable than premium assistance through Catamount Health or VHAP.