Vermont

Vermont has on-paper rules mandating full transition coverage (including surgery) for private health insurance.

What is covered?
Vermont insurance policies "shall not exclude coverage for medically necessary treatment including gender reassignment surgery for gender dysphoria and related health conditions". All insurance policies written after April 2013 must explicitly reflect this in their text. Insurance policies written before April 2013 may not exclude such coverage in practice regardless of what the policy text says.

Legal basis

 * Act 41, "An act relating to prohibiting discrimination on the basis of gender identity", a 2007 law
 * Division of Insurance Bulletin No. 174, a April 2013 state advisory bulletin building on Act 41 as well as the Affordable Care Act and Vermont’s insurance unfair trade practices statute.