Health Insurance for Small Organizations

For organizations with 100 employees or less, we offer health plans designed to fit both your organization's and employees' needs. Through our Qualified Health Plans (QHP) and Blue Edge plans, we have more options than ever — with more funding arrangements, more flexibility in building your plan, customizable benefit levels and features, and the opportunity for savings and rebates.

Customer at Vermont Flannel Company

Our health plans provide the care you want and the customer service experience you deserve. At Blue Cross VT, the difference is in our health plans, our network, and our personalized service. With our health plans, you get coverage that’s focused on your health and well-being:

  • The essential health benefits of our Qualified Health Plans (QHP) include visits to providers’ offices, preventive care, prescription drugs, laboratory tests, mental health and substance use disorder services, emergency care, maternity care, and dental care for children.
  • Coverage from a trusted, local, Vermont nonprofit organization
  • Award-winning Vermont-based customer service
  • Access to the largest network of doctors and hospitals in Vermont, throughout the U.S., and globally
  • 24/7 telemedicine access, as well as virtual mental health support services.
  • Access to our free wellness portal, Be Well VermontSM, powered by Personify Health, for members age 21 and older. Be Well Vermont offers health tips and articles, wellness challenges, and more.

To help your organization and its employees get the most value from our coverage, we also offer integrated, tax-advantage financial accounts to pair with your group's health plan:

  • Health Reimbursement Arrangement (HRA)
  • Health Savings Account (HSA)
  • Flexible Spending Account (FSA)

2027 Small Businesses Health Plan Enrollment Brochures

Small Group Enrollment Brochure Employer-Sponsored Health Plan Brochure for Employees

Qualified Health Plans for Small Groups

We offer three different Qualified Health Plan types to meet your organization's needs.

Vermont Preferred Plans

Our Vermont Preferred plans include our combined 4-8-12 zero dollar office visits for primary care, mental health, or substance use disorder treatment, and four, zero dollar office visits per member for chronic care specialist visits for members diagnosed with diabetes or heart disease.

Product Deductible Type HRA/HSA Compatible Download Plan Document
Vermont Preferred Gold Aggregate HRA 2027 Vermont Preferred Gold Plan
Vermont Preferred Silver Aggregate HRA 2027 Vermont Preferred Silver Plan
Vermont Preferred Bronze Aggregate HRA 2027 Vermont Preferred Bronze Plan

Vermont Select Plans

Our Vermont Select plans are paired with an integrated Health Savings Account (HSA) or Health Reimbursement Arrangement (HRA). These plans offer complete coverage after members meet the deductible and out-of-pocket limits for the plan year, as well as waive the deductible for wellness prescription drugs (cost-share will still apply).

Product Deductible Type HRA/HSA Compatible Download Plan Document
Vermont Select Gold CDHP Aggregate Both 2027 Group Vermont Select Gold CDHP Plan
Vermont Select Silver CDHP Aggregate Both 2027 Group Vermont Select Silver CDHP Plan
Vermont Select Bronze CDHP Aggregate Both 2027 Group Vermont Select Bronze CDHP Plan

Standard Plans

Our Standard Plans provide a range of options to help you get the coverage you need and the service you expect from a Vermont-based organization. For certain Standard Plans, each member has three, zero dollar office visits for the combination of primary care, mental health, or substance use disorder treatment.

Product Deductible Type HRA/HSA Compatible Download Plan Document
Standard Platinum Stacked HRA 2027 Standard Platinum Plan
Standard Gold Stacked HRA 2027 Standard Gold Plan
Standard Silver Stacked HRA 2027 Standard Silver Plan
Standard Bronze Stacked HRA 2027 Standard Bronze Plan
Standard Bronze Integrated Stacked HRA 2027 Standard Bronze Integrated Plan
Standard Silver CDHP Aggregate Both 2027 Standard Silver CDHP Plan
Standard Bronze CDHP Aggregate Both 2027 Standard Bronze CDHP Plan

Need help choosing a plan?

Blue Cross VT Consumer & Business Support Services Team

We're here for you

We'll help you find the right plans for your organization and employees.

Connect with Us

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Want to chat with our local team? We can connect you with an agent who can answer your questions and help you choose the plans that are best for your organization and employees. Note: all form fields are required.







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Hours

Monday–Friday
8:00 a.m. to 4:30 p.m.

Learn more about our plans

Use our Shop & Compare plan tool for additional details about plan costs and benefits, and find out more about the financial accounts we offer with our plans.
Shop & Compare Plans HRA/HSA Options How to Enroll Plan Comparison Chart

Blue Edge Health Plans

Blue Edge plans are flexible, data-oriented health plans designed for local, small to mid-sized organizations. If you are looking to create a culture of health and wellness in your workplace as part of your health plan options, Blue Edge may be a fit for your organization. 

Learn more about Blue Edge

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Vermont Blue Rx Pharmacy

Vermont Blue Rx℠ is our local solution for your pharmacy needs. We offer a local and national network of pharmacies to help you manage your care and reduce prescription drug costs.

Pharmacy Tools

Health Plan Coverage Documents

For the 2026 benefits summary documents and coverage certificates for our Qualified Health Plans, visit our 2026 Coverage Year Documents for Qualified Health Plans page.