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.
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.
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
Consumer Complaint Resource
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.
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.