Vermont’s Individual Health Insurance Policy Regulations
- Insurance companies in Vermont must provide coverage to any applicant who requests an individual healthcare insurance policy.
- Individual policy providers must also have programs that cover an individual’s family.
- Pre-existing conditions, or conditions that occurred within six months of a policy being issued, can only be excluded for one year.
- Insurance companies may consider a pregnancy to be a pre-existing condition.
- Insurance companies cannot raise rates on individual insurance policies due to illness. However, rates can vary according to age and gender.
- Insurance policy premiums, with very few exceptions, can be raised a maximum of 20% per year.
- Individual insurance policies can be canceled if you do not keep up with your premium payments.
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Vermont State Insurance Assistance
- Dr. Dynasaur provides healthcare coverage for children under the age of 19 and pregnant women from qualified low income homes. Coverage includes doctor visits, hospitalization, and prescription drugs.
- Vermont State Children’s Health Insurance Program provides healthcare to children from qualified low income families.
- Vermont Health Access Plan offers healthcare coverage to adults without insurance coverage who have qualifying incomes.
- Healthy Vermonters Program offers assistance in purchasing prescription drugs to people with qualifying incomes.
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