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House Healthcare reviews H-585 to allow limited age-rating, reopen association plans and expand short-term policies
Summary
The House Healthcare committee examined H-585, which would let the Department of Financial Regulation permit limited age-based premium variation (up to ±5% from community rates starting in the 2028 plan year), align Vermont law with federal definitions to expand association health plans, and relax short-term limited-duration plan restrictions to allow up to 12 months with renewals.
The House Committee on Healthcare on Jan. 28 took an initial, detailed look at H-585, an omnibus health-insurance reform bill that would authorize modest age-based premium differences, reopen the state to broader association health plans (AHPs), and loosen rules on short-term limited-duration plans (STLDPs). Jen Carvey of the Office of Legislative Council walked lawmakers through sections 3–9 and identified the statutory changes and cross-references the bill would alter.
The committee’s primary focus was section 6, which would direct the Department of Financial Regulation (DFR) to revise rules so insurers may use age classifications for individual and small-group plans beginning in the 2028 plan year, provided any cohort’s premium does “not deviate by more than 5% above or below the community rate filed by the health insurer.” Jen Carvey said the change removes a restrictive cross-reference in existing Title 33 provisions and gives DFR explicit direction to implement limited age rating.
DFR officials and a department spokesperson told…
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