Financial help for buying health insurance on Vermont Health Connect
Based on your reported information, we estimate that you may qualify for:
Premium Subsidy
(APTC+VPA)
Premium Subsidy
(APTC+VPA)
{{subsidyAmount}}
per month
Enhanced Silver with
Cost-Sharing Reductions
Silver 73*
Silver 87
Silver 94
Silver 77*
for coverage for the following person(s) you listed:
We estimate that your household will not qualify for subsidies. The benchmark plan will cost less than 8.5% of your income, therefore we estimate that your household will not qualify for subsidies.
You may find that gold or bronze plans offer better value than silver plans. In 2023, the monthly premiums for gold plans will be close to the premiums for silver plans, but gold plans have lower out-of-pocket costs when you go to the doctor.
*Our estimate shows that you may qualify for a cost-sharing reduction, Silver 73. However, you may find that a gold or bronze plan offers better value. In 2023, the monthly premiums for gold plans will be close to the premiums for silver plans, but gold plans typically have lower out-of-pocket costs when you go to the doctor.
Our estimate shows that you may qualify for a cost-sharing reduction, Silver 87, which lowers the amount you pay for out-of-pocket costs like deductibles, coinsurance, and copays. If low out-of-pocket costs are important to you, you'll find that Silver 87 plans have a similar out-of-pocket to platinum plans, and a much lower monthly premium too.
Our estimate shows that you may qualify for a cost-sharing reduction, Silver 94, which lowers the amount you pay for out-of-pocket costs like deductibles, coinsurance, and copays. If low out-of-pocket costs are important to you, you'll find that Silver 94 plans have a lower out-of-pocket than any other metal level (even platinum), and a much lower premium than platinum plans.
*Our estimate shows that you may qualify for a cost-sharing reduction, Silver 77. However, you may find that a gold or bronze plan offers better value. In 2023, the monthly premiums for gold plans will be close to the premiums for silver plans, but gold plans typically have lower out-of-pocket costs when you go to the doctor.
Members of Federally Recognized American Indian or Alaska Native Tribes may be eligible for special benefits and protections through Vermont Health Connect. Our estimate shows that you may be eligible for 100% cost-sharing benefits, which means you would not be required to pay deductibles, copayments, or other out-of-pocket costs. We've already factored this into the details you'll see about the plans. To understand the full benefits that may be available to you, please call the Vermont Health Connect Contact Center for assistance at 1-855-899-9600.
Members of Federally Recognized American Indian or Alaska Native Tribes may be eligible for special benefits and protections through Vermont Health Connect. Our estimate shows that you may be eligible for a cost sharing reduction, where there is no cost-sharing for services provided by Indian health care providers (I/T/U). This tool cannot make these calculations. To understand the full benefits that may be available to you, please call the Vermont Health Connect Contact Center for assistance at 1-855-899-9600.
Important —Effects of employer coverage: We assumed your household would not be eligible for a premium subsidy because you said employer coverage is available to everyone in your household. However, if your employer coverage is very expensive or does not include some government-required benefits, then you might still qualify for financial help. Learn more from our Affordability Estimator.
If you think you might have a complicated situation, please call Vermont Health Connect at 855-899-9600 for more information and to see if this eligibility estimate is accurate for your situation.
We estimate that your household qualifies for Medicaid and/or Dr. Dynasaur. If this is the case, you will not be eligible for subsidies to lower the cost of qualified health plans.
Customers who may be eligible for Medicaid, may also be eligible for full-priced enrollment in a qualified health plan.
Coverage through:
Medicaid: The following person(s) you listed may be eligible for free coverage through Medicaid and/or Dr. Dynasaur:
Dr. Dynasaur: The following person(s) you listed may be eligible for free or low-cost coverage through Dr. Dynasaur:
This is our estimate. The information on this site does not include all program rules. To find out if you qualify, you must apply. Visit the Vermont Health Connect website for more information about Medicaid or Dr. Dynasaur.
This is our estimate. To get official answers, you can submit an application through Vermont Health Connect.
When you compare plans, we will use our estimate for your subsidy and we will assume that family members who qualify for Medicaid or Dr. Dynasaur will sign up for those programs and not the plans we will be comparing.
In addition to the plans you will see on the next page,
Catastrophic plans are available to members under age 30. If you want to find out how part of your household can enroll in one plan and another part can enroll in another plan, please call Vermont Health Connect (
855-899-9600) — or call Blue Cross Blue Shield of Vermont (
800-255-4550) or MVP Health Care (
844-865-0250) directly.
Important: Your estimated income is within a few hundred dollars of the threshold for one or more of your household members to qualify for free or low-cost coverage through Medicaid and/or Dr. Dynasaur. To find out more about qualifying for Medicaid and/or Dr. Dynasaur, please call Vermont Health Connect at
855-899-9600.
Important: Your estimated income is within a few hundred dollars of the threshold for one or more of your household members to qualify for free or low-cost coverage through Medicaid and/or Dr. Dynasaur. To find out more about qualifying for Medicaid and/or Dr. Dynasaur, please call Vermont Health Connect at
855-899-9600.
Important: Your estimated income is within a few hundred dollars of the threshold for one or more of your household members to qualify for free or low-cost coverage through Medicaid and/or Dr. Dynasaur. To find out more about qualifying for Medicaid and/or Dr. Dynasaur, please call Vermont Health Connect at
855-899-9600.
Important — Effects of other affordable coverage
The person/people listed directly above may not be eligible for a premium subsidy because you indicated they are offered other afforable coverage (e.g., from an employer, Medicaid, Medicare). However, if the employer coverage is too expensive to qualify as "affordable" or does not include some government-required benefits, then you might still qualify for financial help. Learn more from our Affordability Estimator.
If you think you might have a complicated situation, please call Vermont Health Connect at 855-899-9600 for more information and to see if this eligibility estimate is accurate for your situation.
This is our estimate. To get an official subsidy determination, you can submit an application through Vermont Health Connect.
When you compare plans, we will use our estimate for your subsidy.
Once you click "continue," you may see "reflective silver" plans. These lower-cost silver plans are only available if you call Blue Cross and Blue Shield of Vermont or MVP Health Care directly. If you enroll directly with the insurance carrier, you can't get premium tax credits.
