An act relating to allowing health insurance premiums to vary based on age and tobacco usage

H 430 allows Vermont health insurers to adjust individual and small group health insurance premiums based on the policyholder's age and tobacco use, while maintaining strict limits. Insurers may charge up to 3 times more for the oldest age group compared to the youngest, and up to 1.5 times more for tobacco users compared to non-users. Premium changes cannot deviate more than 20% above or below the standard community rate, and total adjustments (including age/tobacco) must stay within a 30% cap. This bill directly affects Vermont residents purchasing individual or small-group health plans, effective January 1, 2026.