3 Easy Steps

  1. 1. Make your Selection
  2. 2. Compare Plans
  3. 3. Apply
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Vermont Health Connect

 

Healthcare reform through the Affordable Care Act is making health insurance affordable for millions of Americans, and we at ForHealthInsurance.com are here to make sure that you can get the most out of this legislation. Choosing a Vermont health insurance plan isn’t always the easiest thing to do, so read on to learn the basics of the new Vermont Health Connect online health insurance marketplace.

How the heck do I find the right health insurance plan?

Vermont health insurance reform is definitely going to make it easier to afford your plan, and the Vermont Health Connect marketplace has made it easier to shop for plans, but buying health insurance still isn’t simple. With so many options and so many factors to consider how can you settle on a plan?

The most important aspects of choosing a health insurance plan are understanding how much you can afford per month and knowing what kind of coverage you need from a plan. If you already have health insurance, knowing how much you spend on premiums and out of pocket costs now will make it easy to figure out the value of a plan on Vermont Health Connect.

In terms of coverage, the Affordable Care Act requires that all Vermont health insurance plans provide certain essential health benefits such as preventative and prenatal care. While this does not make every plan on Vermont Health Connect a great choice for you, it certainly levels the playing field in terms of the coverage plans provide.

What is all this stuff I hear about Bronze, Silver, Gold and Platinum plans?

Like other states’ online health insurance marketplaces, Vermont Health Connect categorizes plans based on their monthly premiums and out of pocket costs. Knowing this, it seems logical that Platinum plans have higher premiums and lower out of pocket costs, making them a good choice for people who need a lot of medical care. Versus Bronze plans, which cost the least each month, but come with high out of pocket costs. If Vermont health insurance is more of a precaution than anything else for you, a Bronze or Silver plan might be better.

I found the perfect plan, but how am I going to afford it?

This is one of the biggest questions on people’s minds. They did call it the Affordable Care Act right? The biggest way that you can save on Vermont health insurance is with federal health insurance tax subsidies. If your income is between 133 percent and 400 percent of the Federal Poverty Line, you can expect to get a discount on Vermont Health Connect plans. If you make near 400 percent of the FPL, your Vermont health insurance premiums will be topped off at 9.5 percent of your income. This number gets lower and lower as you get closer to 133 percent FPL.

If you make below 133 percent of the Federal Poverty Line, you might be wondering how you fit into this picture. Medicaid in Vermont has been expanded so that if you make up to 133 percent of the Federal Poverty Line, you can enroll in the program. On top of that, Medicaid in Vermont is now open to all single childless adults. This means that thousands of people can now rest easier knowing they’re able enjoy a free or low cost Vermont health insurance plan through Medicaid.

How do I buy a Vermont Health Connect plan?

To buy a Vermont health insurance plan at Vermont Health Connect give us a call here to speak with one of our health insurance experts or enter your zip code above to see what plans are available in your area.