All health insurance rates are subject to review in Vermont. Filings are reviewed by a Department Rate Analyst, the Director of Rates and Forms, and an Actuarial Consultant.
Filings for any rate request related to comprehensive major medical plans are also reviewed by the Health Care Ombudsman and the Green Mountain Care Board (GMC Board). The process is detailed below. 
Factors Considered During a Review:
End Result:
The reviewer’s job is to make sure the rate increase is “affordable, promotes quality care, promotes access to health care, and is not unjust, unfair, inequitable, misleading, or contrary to the laws of this state.”
Learn more about the health insurance market in Vermont, the terminology used as well frequently asked questions about health insurance:
http://www.dfr.vermont.gov/sites/default/files/FAQ2010IssueBrief-healthinsurance.pdf
Related Links:
If you have questions or technical difficulties please contact:
Sean Londergan at (802)828-2917 or
Phil Keller at (802)828-1464