2027 Highlights for Commercial Health Plans
Explore MVP Health Care’s 2027 commercial health plan updates, including new plan features, expanded benefits, and virtual care enhancements for New York and Vermont plans.
2027 New York Plan Highlights
New York Small Group and Individual Plans
New York Small Group Gold 14 HMO and EPO and New York Gold 14 Individual HMO plans cover more of the essential care members need, including:
- $0 deductible
- $0 primary care and/or mental health visits (5 combined visits)
- $0 Tier 1 drugs
ACA Pediatric Dental Benefit
MVP New York Individual Premier Plus ® (Non-Standard) plans include the embedded ACA pediatric dental benefit.
New York Large Group Plans
All EPO/PPO non-grandfathered plans include:
- $0 primary care visits and Tier 1 drugs to anyone under the age of 19
- Acupuncture benefits at the specialist cost-share1
The Large Group product portfolio will also include:
- A new plan featuring a matching $10,500 single/$21,000 family deductible and out-of- pocket maximum
- A new EPO QHDHP with a matching $8,700 single/$17,400 family deductible and out-of-pocket maximum
- Six new HMO plan options featuring a $0 deductible and $9,200 single/ $18,400 family out-of-pocket maximum
2027 Vermont Plan Highlights
New for 2027!
Insulin Covered In Full
Insulin covered in full on Vermont Fully Insured Commercial plans, helping reduce out-of-pocket costs for members who rely on insulin therapy.
Naturopathic Care
Vermont health plan members can elect a naturopathic provider as their PCP. Naturopathic providers offer comprehensive, whole-person primary care focused on prevention, healthy lifestyle changes, minimally invasive therapies, and addressing the root causes of illness to improve health outcomes.
Vermont Large Group Plans
All Vermont Large Group Plans include:
- Autism treatment services, following the primary care visit cost-share (this benefit excludes devices)
- Outpatient hospice, following the specialist visit cost-share
- Variable product approval, allowing for more flexible and competitive plan designs
The 2027 Large Group product portfolio will also include:
- A new HMO QHDHP option featuring the 2027 QHDHP limits, with a matching $8,700 single/$17,400 family deductible and out-of-pocket maximum
Exceptional Benefits. Comprehensive Coverage.
MVP makes it easy for you to deliver the coverage employers want and the care members deserve—so you can sell with confidence.
New for 2027!
Movn Health Virtual Cardiac Rehabilitation
Movn Health Virtual Cardiac Rehabilitation will be included with all Fully Insured Commercial plans, providing eligible members with personalized, at-home recovery support following a cardiac event.
Gia® virtual care services
$0 Gia® virtual care services—including 24/7 primary and urgent care, nutrition, and some behavioral health services—are available on all New York and Vermont Commercial Large Group, Small Group, and Individual plans.2
$1,500 Doula Reimbursement
Members can receive up to $1,500 a year for eligible support services from a trained doula.3
Coast-to-Coast Coverage
A regional network of top providers, hospitals, and pharmacies—and access to over one million providers nationwide with select plans through our alliance with Cigna Healthcare.
Integrated Health Reimbursement Arrangements
Pairing seamlessly with group plans, HRAs simplify administration and boost employee satisfaction—making them an easy win for employers.
$600 Well-Being Reimbursement
Members can get reimbursed up to $600 per contract, per calendar year for well-being services, items, and activities.4
CVS Caremark Cost Saver™
MVP Commercial plan members will have access to GoodRx® prescription pricing, lowering their out-of-pocket costs for many generic prescription drugs. To receive the savings benefit, members simply present their MVP Member ID card at in-network pharmacies.
Resources to Help You Sell
Review the plan highlight and change flyers to become an expert on 2027 plan and spending account options.
1Available on Large Group EPO plans only (unless customized or grandfathered in)
2Gia virtual care services generally start at $0, but a member cost-share may apply for specialty providers, in-person visits, and referrals. Refer to Gia for estimated costs at the time of service. Eligibility, covered services, and age limits may apply. For serious or life-threatening emergencies call 911.
3Members can receive a $1,500 reimbursement, per contract, per calendar year, for support services from a birthing doula.
4$600 reimbursement, per contract, per calendar year for eligible expenses. Available on select plans.
Health benefit plans are issued or administered by MVP Health Plan, Inc.; MVP Health Insurance Company; MVP Select Care, Inc.; and MVP Health Services Corp., operating subsidiaries of MVP Health Care, Inc. Not all plans available in all states and counties.
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