In VT there are--essentially--two individual plans. One from BCBS and one from MVP (yes they are a health ins company, and have a pretty big presence in the North East, in fact one of the premier group carriers in Northern New England).
The two plans from BCBS and MVP are variants of endorsed programs from the state of VT. They are both crazy expensive even if your poor and they have varying premiums depending on income (actually it's a premium subsidy that brings the price down). If you are a small business owner here, who isn't in the market for group insurance, you are screwed.
The same is pretty much true of NY state. I remember a few years ago (when I was still in NY) I got a referral to a lady who wanted to purchase individual health insurance for her daughter who had recently moved to NYC. She was used to purchasing individual health insurance in (I believe) Indiana. I had to keep myself from laughing when she explained to me what she was looking for.
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Oh also, no one in VT seems to care, because there are so few really small business owners. You step across the boarder into NH (where they have the highest smaller business owner per capita population in the entire country) and the rules are dramatically different. Still not quite as good as they are outside of New England, but most definitely the best you are going to find around here.
The two plans from BCBS and MVP are variants of endorsed programs from the state of VT. They are both crazy expensive even if your poor and they have varying premiums depending on income (actually it's a premium subsidy that brings the price down). If you are a small business owner here, who isn't in the market for group insurance, you are screwed.
The same is pretty much true of NY state. I remember a few years ago (when I was still in NY) I got a referral to a lady who wanted to purchase individual health insurance for her daughter who had recently moved to NYC. She was used to purchasing individual health insurance in (I believe) Indiana. I had to keep myself from laughing when she explained to me what she was looking for.
- - - - - - - - - - - - - - - - - -
Oh also, no one in VT seems to care, because there are so few really small business owners. You step across the boarder into NH (where they have the highest smaller business owner per capita population in the entire country) and the rules are dramatically different. Still not quite as good as they are outside of New England, but most definitely the best you are going to find around here.
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