Vermont Health Insurance

Health insurance plays an important role for thousands of Vermont residents who need to support and care for their families, while staying healthy and dealing with any sickness life throws their way. No one should go without health insurance, but unfortunately many have difficulty affording it. To help Vermonters navigate this tricky and complex territory, The Simple Dollar has put together a guide to find out what options are available to you.

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Stats in Your State

Before we dive into the various rules, regulations, and state resources, it helps to get a clear picture of the industry with a handful of useful graphs that illustrate the state of the industry. Read onwards to compare rates with other states and to see the factors that impact health insurance in Vermont.

Chip Medicaid

Nearly 80,000 Vermont residents were enrolled in government-administered health care plans in 2009 and 2010, with roughly 90% of them utilizing Medicaid options. In addition, about 7,000 children benefited from the state’s CHIP coverage.

Individual Health Insurance Premiums

With premiums around $1,221 a year, Vermont workers paid roughly $130 more for health insurance than the average American employee, though Vermont’s workforce actually saved when compared with most neighboring New England states.

Family Health Insurance Premiums

In addition to single-payer plans, family health insurance plans in Vermont cost more than the national average by nearly $300 more, almost 8% more than the average U.S. family pays.

SAHIE Health Insurance Uninsured

The Census Bureau estimates that between 2005 and 2010, an average of about 58,000 residents of Vermont carried no health insurance each year – almost 10% of the state population. Despite the state-run health care options available, many residents clearly still don't have any good options available.

Rules in Your State

The Vermont legislature has set forth specific guidelines for how insurers must handle insurance claims in the state. Readers can find those regulations at the links below, along with the general insurance regulations that apply broadly to all aspects of the industry.

Vermont Rules: Alcohol & Your Health Insurance

Vermont’s regulations specifically require that insurers cover treatment for alcohol-related disorders, and that such treatment be just as affordable as medical and surgical conditions. Vermont laws do not, however, address whether insurers may or may not deny benefits for injuries sustained due to intoxication.

Losses Due to Intoxication
Health Insurance Parity for Alcohol-Related Treatment
Vermont laws do not address whether insurers are allowed to deny benefits for losses arising from intoxication.
Health insurance coverage in Vermont must cover treatment of alcohol-related disorders and provide the same levels of benefits for alcohol-related disorders as they do for medical and surgical conditions.
Health insurance plans covering alcohol-related disorders MAY NOT be subject to higher deductibles, higher premiums, or restrictive financial limits on lifetime treatment for alcohol-related disorders than for medical and surgical coverage.

More Resources

Representatives & Resources in Your State

Readers who want to learn more about different types of insurance in Vermont can get started by getting in touch with the Insurance Division. Others who need to reach out to local government for assistance and support can find plenty of resources through the additional links below.

Vermont Department of Financial Regulation: Insurance Division
State of Vermont
Department of Financial Regulation
89 Main Street, Montpelier, VT 05620 – 3101
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Consumer Complaint Resource
Consumer Information
The Insurance Division has published numerous consumer guides that will help readers learn more about different types of insurance available across Vermont, and options to make the most of their policies.

Vermont Medicaid
Medicaid provides health care coverage to thousands of Vermont residents each year, and you may qualify for coverage depending on your circumstances.

Department of Vermont Health Access
Use this resource to find out what health care options are available to you and your family through various state-run programs.

Vermont Agency of Human Services
The Agency of Human Services provides assistance and support to a wide demographic of Vermont residents who cannot fully support themselves.