VHAP is a health insurance program for adults age 18 and older who meet the income guidelines on the chart below and have been uninsured for 12 months or more – with exceptions for Vermonters who recently lost their insurance because of a life change such as a divorce or loss of a job (Read further information on VHAP Qualifications).

Who can enroll?
Adults who meet the VHAP Qualifications and the income guidelines below can enroll in VHAP. Adults with children qualify at higher income levels. Call Health Access Member Services for Green Mountain Care at 1-800-250-8427 for more information.

There are additional requirements for college students.  You can find out whether or not you meet those requirements by sending in your completed application.

What services are covered?
VHAP covers a wide range of services including hospital care, prescription medicines, mental health and doctor visits.

How much does it cost?
Monthly premiums for your VHAP coverage are based on your household income and family size, or if you have access to Employer-Sponsored Insurance, you may get assistance from the state to help pay a monthly portion of your employer’s health plan. (Read further information on Employer-Sponsored Insurance (ESI) Premium Assistance.) 

See the Income and Premium chart below to determine what your premium cost may be.  Your eligibility for a particular plan and your share of the cost will be determined based on the application you submit.

Income & Premiums for Vermont Health Access Plan (VHAP)

• You may still qualify if your monthly income is higher if you have earned income and/or child care expenses.
• A household is defined as the number of related people living in the same house.
• There may be a pharmacy co-payment for prescriptions and emergency room visits.
• For further information on the guidelines and exceptions, please contact Health Access Member Services for Green Mountain Care at 1-800-250-8427 on business days between 7:45 a.m. and 4:30 p.m. 
• This chart is updated each January.