The civic record
Read. Follow. Verify.Vermont Bill H.430 allows health insurers to vary premiums by age and tobacco use
Last action · February 28, 2025: Read first time and referred to the Committee on Health CareSponsors: Gina Galfetti and 1 other
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What This Bill Would Do
Health insurers in Vermont would be permitted to adjust individual and small group health insurance plan premiums based on a beneficiary's age, with a maximum ratio of 3 to 1, and tobacco usage, with a maximum rate differential ratio of 1.5 to 1, starting January 1, 2026.
The measure alters how health insurance carriers calculate premiums for individual plans and small employers by introducing age and tobacco risk classifications up to statutory caps.
Who It Would Affect
Groups the bill's text would affect if enacted, as described in the record. Being affected is not a position for or against it.
individuals
Individual health insurance plan beneficiaries may see their premium rates vary based on their age and tobacco usage.
small employers
Small employers purchasing group health plans may have premium rates adjusted based on the age and tobacco usage of employees.
health insurers
Registered carriers are permitted to use age and tobacco usage as risk classification factors in determining health benefit plan premiums.
Key Facts
You don't have to trust us. Each fact below is taken straight from the official document - click any one to see the exact passage, highlighted in the original.
Frequently Asked Questions
What is the maximum allowable rate difference for age under this bill?
Does the bill allow medical underwriting and screening?
What else do you want to know?
News Coverage
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Votes, people, money & the original sourceWhere This Stands
Currently in committee. The next step in the legislative lifecycle is Floor Vote.
Procedural history
1 action- Feb 28, 2025HouseIntroducedRead first time and referred to the Committee on Health Care
Version history
Only one version on file - nothing to compare yet. As later stages (committee substitute, engrossed, enrolled) are captured, the redline appears here.
View official text →Lobbying Activity
No state lobbying filings in our records match this bill. Federal lobbying reports (LDA) cover Congress, so they are not listed on state bills.
Full breakdown
Who this bill affects and the strongest case for and against it, written only from the bill’s own text.
Sponsors
Discoveries
Patterns POLISCOPE noticed across the record. These are observations to investigate, not conclusions.
Introduction of Age and Tobacco Rating
The bill shifts Vermont policy from strict prohibitions on demographic rating factors toward permitting age and tobacco usage as risk classifications under statutory caps.
Connected Entities
Sources
legislature.vermont.gov
Analysis Score
0–100- Significance75How much this matters to a regular citizen
- Controversy60Intensity of disagreement among stakeholders
- Entertainment5Compellingness for a non-policy-wonk reader
- Buzz35Current news / social attention level
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