Coronavirus Update
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Your Answers
- 1. Purchasing Type:
- 2. Income Subsidy:
- 3. Employer Contribution:
- 4. Plan Preference:
- 5. Plan Interest:
How are you purchasing your coverage?
We use this to help determine what options are available to you. For example, if you are purchasing as an individual/family you may be eligible for tax credit. Whereas those purchasing as an employee of small group are ineligible for a tax credit but may want to account for an employer contribution towards their premium.- As an employee of small group
- On my own, not through an employer
What is your modified adjusted gross income for 2020?
This estimate is based on your Modified Adjusted Gross Income (MAGI), which for most tax payers is the same as Adjusted Gross Income (AGI) which is found on your most recent income tax return. You can find your AGI on Line 4 of Form 1040EZ, Line 21 of Form 1040A or Line 37 of Form 1040. This information is used to calculate your percent (%) of Federal Poverty Level (FPL). To learn more about how the premium tax credit works, please visit Vermont Health Connect, http://healthconnect.vermont.gov.There's a possibility you may qualify for a tax credit.
Household Members:
The number of people that live in your household.Enter Income:
This estimate is based on your Modified Adjusted Gross Income (MAGI), which for most tax payers is the same as Adjusted Gross Income (AGI) which is found on your most recent income tax return. You can find your AGI on Line 4 of Form 1040EZ, Line 21 of Form 1040A and Line 37 of Form 1040How much is your employer contributing towards your monthly premium?
For the best estimate of monthly premium, we encourage you to get this information from your employer.Enter Employer's Monthly Contribution($):
We will use this to calculate your adjusted monthly premium.I don't know...
Once you find out from your employer, come back and see how it changes your monthly premium. In the meanwhile, we can show you what plans best meet your needs !What is your preference?
We will use these numbers to help estimate your expected costs.Interested in seeing plans that are...
Yes, you may qualify for a tax credit.
Based on the values you provided for our calculation, it appears you may meet the IRS qualifications for premium assistance as well as a cost-shared reduction plan.
Use Vermont Health Connect’s plan comparison tool to determine your eligibility 
What does this mean?It appears you may not qualify for a tax credit.
Based on the values you provided for our calculation, it appears you may not meet the IRS qualifications for this tax credit.
Why Not?Yes, it appears you may qualify for a tax credit.
Based on the values you provided for our calculation, it appears you may meet the IRS qualifications for premium assistance.
Use Vermont Health Connect’s plan comparison tool to determine your eligibility What does this mean?Questionnaire Complete
Questionnaire Complete
The plans that best match your needs are shown below
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Questionnaire Complete
The plans that best match your needs are shown below
"Your Share," under Monthly Premium, has been updated to reflect your employer's contribution.
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Questionnaire Complete
If you're eligible for premium assistance and/or a cost-share reduction plan, you should enroll through Vermont Health Connect
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14 plans that match
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Blue Rewards Bronze
EPOAggregate deductible & out-of-pocket limit.
Compare plan Remove from compare Favorite plan Remove from favorites Download plan details -
Benefit Chart and/or Summary of Benefits Coverage
Benefit Chart and/or Summary of Benefits Coverage
Blue Rewards Bronze CDHP
EPOAggregate deductible & out-of-pocket limit.
Compare plan Remove from compare Favorite plan Remove from favorites Download plan details -
Benefit Chart and/or Summary of Benefits Coverage
Benefit Chart and/or Summary of Benefits Coverage
Blue Rewards Catastrophic
EPOAggregate deductible & out-of-pocket limit.
Compare plan Remove from compare Favorite plan Remove from favorites Download plan details -
Benefit Chart and/or Summary of Benefits Coverage
Benefit Chart and/or Summary of Benefits Coverage
Blue Rewards Gold
EPOAggregate deductible & out-of-pocket limit.
Compare plan Remove from compare Favorite plan Remove from favorites Download plan details -
Benefit Chart and/or Summary of Benefits Coverage
Benefit Chart and/or Summary of Benefits Coverage
Blue Rewards Gold CDHP
EPOAggregate deductible & out-of-pocket limit.
Compare plan Remove from compare Favorite plan Remove from favorites Download plan details -
Benefit Chart and/or Summary of Benefits Coverage
Benefit Chart and/or Summary of Benefits Coverage
Blue Rewards Silver
EPOAggregate deductible & out-of-pocket limit.
Compare plan Remove from compare Favorite plan Remove from favorites Download plan details -
Benefit Chart and/or Summary of Benefits Coverage
Benefit Chart and/or Summary of Benefits Coverage
Blue Rewards Silver CDHP
EPOAggregate deductible & out-of-pocket limit.
Compare plan Remove from compare Favorite plan Remove from favorites Download plan details -
Benefit Chart and/or Summary of Benefits Coverage
Benefit Chart and/or Summary of Benefits Coverage
Standard Bronze
EPOStacked deductible & out-of-pocket limit.
Compare plan Remove from compare Favorite plan Remove from favorites Download plan details -
Benefit Chart and/or Summary of Benefits Coverage
Benefit Chart and/or Summary of Benefits Coverage
Standard Bronze CDHP
EPOAggregate deductible & out-of-pocket limit.
Compare plan Remove from compare Favorite plan Remove from favorites Download plan details -
Benefit Chart and/or Summary of Benefits Coverage
Benefit Chart and/or Summary of Benefits Coverage
Standard Bronze without RX MOOP
EPOStacked deductible & out-of-pocket limit.
Compare plan Remove from compare Favorite plan Remove from favorites Download plan details -
Benefit Chart and/or Summary of Benefits Coverage
Benefit Chart and/or Summary of Benefits Coverage
Standard Gold
EPOStacked deductible & out-of-pocket limit.
Compare plan Remove from compare Favorite plan Remove from favorites Download plan details -
Benefit Chart and/or Summary of Benefits Coverage
Benefit Chart and/or Summary of Benefits Coverage
Standard Platinum
EPOStacked deductible & out-of-pocket limit.
Compare plan Remove from compare Favorite plan Remove from favorites Download plan details -
Benefit Chart and/or Summary of Benefits Coverage
Benefit Chart and/or Summary of Benefits Coverage
Standard Silver
EPOStacked deductible & out-of-pocket limit.
Compare plan Remove from compare Favorite plan Remove from favorites Download plan details -
Benefit Chart and/or Summary of Benefits Coverage
Benefit Chart and/or Summary of Benefits Coverage
Standard Silver CDHP
EPOStacked deductible & out-of-pocket limit.
Compare plan Remove from compare Favorite plan Remove from favorites Download plan details -
Benefit Chart and/or Summary of Benefits Coverage
Benefit Chart and/or Summary of Benefits Coverage
Anticipated Costs
Deductible Limit
$7900.00 (Single)
$15800.00 (2+/family)
Out-of-Pocket Limit
$7900.00 (Single)
$15800.00 (2+/family)
Monthly Premium
Single
$545.43
Couple
$1090.86
Adult & child or children
$1052.68
Family
$1532.66
Deductible Limit
$6750.00 (Single)
$13500.00 (2+/family)
Out-of-Pocket Limit
$6750.00 (Single)
$13500.00 (2+/family)
Monthly Premium
Single
$545.59
Couple
$1091.18
Adult & child or children
$1052.68
Family
$1533.11
Deductible Limit
$8150.00 (Single)
$16300.00 (2+/family)
Out-of-Pocket Limit
$8150.00 (Single)
$16300.00 (2+/family)
Monthly Premium
Single
$266.82
Couple
$533.64
Adult & child or children
$514.96
Family
$749.76
Deductible Limit
$1550.00 (Single)
$3100.00 (2+/family)
Out-of-Pocket Limit
$5150.00 (Single)
$10300.00 (2+/family)
Monthly Premium
Single
$698.95
Couple
$1397.90
Adult & child or children
$1348.97
Family
$1964.05
Deductible Limit
$3250.00 (Single)
$6500.00 (2+/family)
Out-of-Pocket Limit
$3250.00 (Single)
$6500.00 (2+/family)
Monthly Premium
Single
$694.59
Couple
$1389.18
Adult & child or children
$1340.56
Family
$1951.80
Deductible Limit
$3000.00 (Single)
$6000.00 (2+/family)
Out-of-Pocket Limit
$8150.00 (Single)
$16300.00 (2+/family)
Monthly Premium
Single
$607.28
Couple
$1214.56
Adult & child or children
$1172.05
Family
$1706.46
Deductible Limit
$4450.00 (Single)
$8900.00 (2+/family)
Out-of-Pocket Limit
$4450.00 (Single)
$8900.00 (2+/family)
Monthly Premium
Single
$630.08
Couple
$1260.16
Adult & child or children
$1216.05
Family
$1770.52
Deductible Limit
$6000.00 (Single)
$12000.00 (2+/family)
Out-of-Pocket Limit
$8150.00 (Single)
$16300.00 (2+/family)
Monthly Premium
Single
$549.48
Couple
$1098.96
Adult & child or children
$1060.50
Family
$1544.04
Deductible Limit
$5500.00 (Single)
$6750.00 (2+/family)
Out-of-Pocket Limit
$8150.00 (Single)
$16300.00 (2+/family)
Monthly Premium
Single
$559.27
Couple
$1118.54
Adult & child or children
$1079.39
Family
$1571.55
Deductible Limit
$7900.00 (Single)
$15800.00 (2+/family)
Out-of-Pocket Limit
$7900.00 (Single)
$15800.00 (2+/family)
Monthly Premium
Single
$560.45
Couple
$1120.90
Adult & child or children
$1081.67
Family
$1574.86
Deductible Limit
$1900.00 (Single)
$1800.00 (2+/family)
Out-of-Pocket Limit
$5000.00 (Single)
$10000.00 (2+/family)
Monthly Premium
Single
$777.60
Couple
$1555.20
Adult & child or children
$1500.77
Family
$2185.06
Deductible Limit
$350.00 (Single)
$700.00 (2+/family)
Out-of-Pocket Limit
$1350.00 (Single)
$2700.00 (2+/family)
Monthly Premium
Single
$900.13
Couple
$1800.26
Adult & child or children
$1737.25
Family
$2529.37
Deductible Limit
$3200.00 (Single)
$6400.00 (2+/family)
Out-of-Pocket Limit
$7900.00 (Single)
$15800.00 (2+/family)
Monthly Premium
Single
$644.75
Couple
$1289.50
Adult & child or children
$1244.37
Family
$1811.75
Deductible Limit
$1700.00 (Single)
$3400.00 (2+/family)
Out-of-Pocket Limit
$6750.00 (Single)
$13500.00 (2+/family)
Monthly Premium
Single
$663.91
Couple
$1327.82
Adult & child or children
$1281.35
Family
$1865.59
Prescriptions - based on 30 day supply
Rx Deductible
Combined with MedicalRx Out-of-Pocket Limit
Combined with Medical (Single)
Combined with Medical (2+/family)
Generic
Deductible, then $0Preferred Brand
Deductible, then $0Non-preferred Brand
Deductible, then $0 Deductible applies.
Rx Deductible
Combined with MedicalRx Out-of-Pocket Limit
Combined with Medical (Single)
Combined with Medical (2+/family)
Generic
Wellness: $25 Non-Wellness: Deductible, then $0Preferred Brand
Wellness: 40% Non-Wellness: Deductible, then $0Non-preferred Brand
Wellness: 60% Non-Wellness: Deductible, then $0Rx Deductible
Combined with MedicalRx Out-of-Pocket Limit
Combined with Medical (Single)
Combined with Medical (2+/family)
Generic
Deductible, then $0Preferred Brand
Deductible, then $0Non-preferred Brand
Deductible, then $0 Deductible applies.
Rx Deductible
Combined with MedicalRx Out-of-Pocket Limit
$1400 (Single)
$2800 (2+/family)
Generic
Deductible, then $5Preferred Brand
Deductible, then 40%Non-preferred Brand
Deductible, then 60% Deductible applies.
Rx Deductible
Combined with MedicalRx Out-of-Pocket Limit
Combined with Medical (Single)
Combined with Medical (2+/family)
Generic
Wellness: $5 Non-Wellness: Deductible, then $0Preferred Brand
Wellness: 40% Non-Wellness: Deductible, then $0Non-preferred Brand
Wellness: 60% Non-Wellness: Deductible, then $0Rx Deductible
Combined with MedicalRx Out-of-Pocket Limit
1400 (Single)
2800 (2+/family)
Generic
Deductible, then $5Preferred Brand
Deductible, then 40%Non-preferred Brand
Deductible, then 60% Deductible applies.
Rx Deductible
Combined with MedicalRx Out-of-Pocket Limit
1400 (Single)
2800 (2+/family)
Generic
Wellness: $15 Non-Wellness: Deductible, then $0Preferred Brand
Wellness: 40% Non-Wellness: Deductible, then $0Non-preferred Brand
Wellness: 60% Non-Wellness: Deductible, then $0Rx Deductible
$1000 per memberRx Out-of-Pocket Limit
$1350 (Single)
$2700 (2+/family)
Generic
Deductible, then $20Preferred Brand
Deductible, then $85Non-preferred Brand
Deductible, then 60% Deductible applies.
Rx Deductible
Combined with MedicalRx Out-of-Pocket Limit
$1400 (Single)
$2800 (2+/family)
Generic
Wellness: $12 Non-Wellness: Deductible, then $12Preferred Brand
Wellness: 40% Non-Wellness: Deductible, then 40%Non-preferred Brand
Wellness: 60% Non-Wellness: Deductible, then 60%Rx Deductible
Combined with MedicalRx Out-of-Pocket Limit
Combined with Medical (Single)
Combined with Medical (2+/family)
Generic
$25 (Deductible is waived for Generic Rx)Preferred Brand
Rx deductible, then $0Non-preferred Brand
Rx deductible, then $0 Deductible applies.
Rx Deductible
$100 per memberRx Out-of-Pocket Limit
$1350 (Single)
$2700 (2+/family)
Generic
$10 (Rx deductible is waived for Generic Rx)Preferred Brand
Rx deductible, then $50Non-preferred Brand
Deductible, then 50% Deductible applies.
Rx Deductible
$0Rx Out-of-Pocket Limit
$1350 (Single)
$2700 (2+/family)
Generic
$10Preferred Brand
$50Non-preferred Brand
50%Rx Deductible
$350 per memberRx Out-of-Pocket Limit
$1350 (Single)
$2700 (2+/family)
Generic
$15 (Rx deductible is waived for Generic Rx)Preferred Brand
Rx deductible, then $60Non-preferred Brand
Deductible, then 50% Deductible applies.
Rx Deductible
Combined with MedicalRx Out-of-Pocket Limit
$1400 (Single)
$2800 (2+/family)
Generic
Wellness: $10 Non-Wellness: Deductible, then $10Preferred Brand
Wellness: $40 Non-Wellness: Deductible, then $40Non-preferred Brand
Wellness: 50% Non-Wellness: Deductible, then 50%Office Visits
Primary Care & Mental Health
Combined 3/6/9 visits with no cost-sharing, then deductible applies, then $0
Chiropractor & Outpatient Physical Therapy
Deductible, then $0
Specialist
Deductible, then $0
Deductible applies.
Primary Care & Mental Health
Deductible then, $0
Chiropractor & Outpatient Physical Therapy
Deductible then, $0
Specialist
Deductible then, $0
Deductible applies.
Primary Care & Mental Health
Combined 3/6/9 visits with no cost-sharing, then deductible applies, then $0
Chiropractor & Outpatient Physical Therapy
Deductible, then $0
Specialist
Deductible, then $0
Deductible applies.
Primary Care & Mental Health
Combined 3/6/9 visits with no cost-sharing, then deductible applies, then co-pay $20
Chiropractor & Outpatient Physical Therapy
Deductible, then $30
Specialist
Deductible, then $40
Deductible applies.
Primary Care & Mental Health
Deductible then, $0
Chiropractor & Outpatient Physical Therapy
Deductible, then $0
Specialist
Deductible, then $0
Deductible applies.
Primary Care & Mental Health
Combined 3/6/9 visits with no cost-sharing, then deductible applies, then co-pay $30
Chiropractor & Outpatient Physical Therapy
Deductible, then $45
Specialist
Deductible, then $50
Deductible applies.
Primary Care & Mental Health
Deductible then, $0
Chiropractor & Outpatient Physical Therapy
Deductible, then $0
Specialist
Deductible, then $0
Deductible applies.
Primary Care & Mental Health
Deductible, then $35
Chiropractor & Outpatient Physical Therapy
Deductible, then $45
Specialist
Deductible, then $90
Deductible applies.
Primary Care & Mental Health
Deductible, then 50%
Chiropractor & Outpatient Physical Therapy
Deductible, then 50%
Specialist
Deductible, then 50%
Deductible applies.
Primary Care & Mental Health
$40
Chiropractor & Outpatient Physical Therapy
$50
Specialist
$100
$40
Primary Care & Mental Health
$20
Chiropractor & Outpatient Physical Therapy
$30
Specialist
$50
$15
Primary Care & Mental Health
$15
Chiropractor & Outpatient Physical Therapy
$20
Specialist
$40
$10
Primary Care & Mental Health
$35
Chiropractor & Outpatient Physical Therapy
$45
Specialist
$80
$30
Primary Care & Mental Health
Deductible, then 10%
Chiropractor & Outpatient Physical Therapy
Deductible, then 30%
Specialist
Deductible, then 30%
Deductible applies.
Hospital Services
Urgent Care
Deductible, then $0
Emergency Room
Deductible, then $0
Outpatient
Deductible, then $0
Inpatient
Deductible, then $0
Deductible applies.
Urgent Care
Deductible, then $0
Emergency Room
Deductible, then $0
Outpatient
Deductible, then $0
Inpatient
Deductible, then $0
Deductible applies.
Urgent Care
Deductible, then $0
Emergency Room
Deductible, then $0
Outpatient
Deductible, then $0
Inpatient
Deductible, then $0
Deductible applies.
Urgent Care
Deductible, then $40
Emergency Room
Deductible, then $250
Outpatient
Deductible, then $750
Inpatient
Deductible, then $750
Deductible applies.
Urgent Care
Deductible, then $0
Emergency Room
Deductible, then $0
Outpatient
Deductible, then $0
Inpatient
Deductible, then $0
Deductible applies.
Urgent Care
Deductible, then $50
Emergency Room
Deductible, then $450
Outpatient
Deductible, then $1,750
Inpatient
Deductible, then $1,750
Deductible applies.
Urgent Care
Deductible, then $0
Emergency Room
Deductible, then $0
Outpatient
Deductible, then $0
Inpatient
Deductible, then $0
Deductible applies.
Urgent Care
Deductible, then $100
Emergency Room
Outpatient
Deductible, then 50%
Inpatient
Deductible, then 50%
Deductible applies.
Urgent Care
Deductible, then 50%
Emergency Room
Deductible, then 50%
Outpatient
Deductible, then 50%
Inpatient
Deductible, then 50%
Deductible applies.
Urgent Care
Deductible, then $0
Emergency Room
Deductible, then $0
Outpatient
Deductible, then $0
Inpatient
Deductible, then $0
Deductible applies.
Urgent Care
Deductible, then $60
Emergency Room
Deductible, then $150
Outpatient
Deductible, then 30%
Inpatient
Deductible, then 30%
Deductible applies to some services.
Urgent Care
$50
Emergency Room
Deductible, then $100
Outpatient
Deductible, then 10%
Inpatient
Deductible, then 10%
Deductible applies to some services.
Urgent Care
$90
Emergency Room
Deductible, then $250
Outpatient
Deductible, then 50%
Inpatient
Deductible, then 50%
Deductible applies to some services.
Urgent Care
Deductible, then 30%
Emergency Room
Deductible, then 30%
Outpatient
Deductible, then 30%
Inpatient
Deductible, then 30%
Deductible applies.
Wellness
Individualized online wellness portal, one-to-one medication therapy management and discounts on health and wellness services and equipment at selected businesses.
Individualized online wellness portal, one-to-one medication therapy management and discounts on health and wellness services and equipment at selected businesses.
Individualized online wellness portal, one-to-one medication therapy management and discounts on health and wellness services and equipment at selected businesses.
Individualized online wellness portal, one-to-one medication therapy management and discounts on health and wellness services and equipment at selected businesses.
Individualized online wellness portal, one-to-one medication therapy management and discounts on health and wellness services and equipment at selected businesses.
Individualized online wellness portal, one-to-one medication therapy management and discounts on health and wellness services and equipment at selected businesses.
Individualized online wellness portal, one-to-one medication therapy management and discounts on health and wellness services and equipment at selected businesses.
No
No
No
No
No
No
No
HSA (Health Savings Account) Compatible Plan
Notes
Pediatric Dental & Vision is available for dependents under the age 21
Pediatric Dental & Vision is available for dependents under the age 21
**Deductible is waived for Wellness Drugs
Pediatric Dental & Vision is available for dependents under the age 21
*Must be under age 30 or income qualified
Pediatric Dental & Vision is available for dependents under the age 21
Pediatric Dental & Vision is available for dependents under the age 21
**Deductible is waived for Wellness Drugs
Pediatric Dental & Vision is available for dependents under the age 21
*This is a Reflective plan offering, available to those who enroll with BCBSVT directly as an individual or a group
Pediatric Dental & Vision is available for dependents under the age 21
*This is a Reflective plan offering, available to those who enroll with BCBSVT directly as an individual or a group
**Deductible is waived for Wellness Drugs
Pediatric Dental & Vision is available for dependents under the age 21
Pediatric Dental & Vision is available for dependents under the age 21
**Deductible is waived for Wellness Drugs
Pediatric Dental & Vision is available for dependents under the age 21
**Deductible is waived for Wellness Drugs
Pediatric Dental & Vision is available for dependents under the age 21
Pediatric Dental & Vision is available for dependents under the age 21
Pediatric Dental & Vision is available for dependents under the age 21
*This is a Reflective plan offering, available to those who enroll with BCBSVT directly as an individual or a group
Pediatric Dental & Vision is available for dependents under the age 21
*This is a Reflective plan offering, available to those who enroll with BCBSVT directly as an individual or a group
**Deductible is waived for Wellness Drugs
Find a Plan Disclaimer: The estimated and maximum costs displayed should be used for plan comparison purposes only. These amounts are provided simply to allow you to see how the different plans work in sample situations. The actual amounts you pay will vary based upon numerous factors, including the specific services received and the providers used.
When can I enroll?
If you experience a qualifying life event, you may be eligible for a special enrollment.
Where do I enroll?
Individuals & Families enroll in coverage through either Vermont Health Connect (VHC) to receive premium assistance or directly through a health plan carrier (e.g. BCBSVT).
Small businesses enroll directly through their health plan carrier (e.g. BCBSVT).
Employees with employer-sponsored health insurance, would enroll directly through their employer (group benefit administrator)