This act allows health insurers to offer nonqualified reflective health benefit plans to individuals and small groups at all metal levels in the event that federal cost-sharing reduction payments to insurers are suspended or discontinued. It directs the Green Mountain Care Board to ensure that the rates for some or all of the qualified health benefit plans offered through the Vermont Health Benefit Exchange include funding to offset the loss of the federal cost-sharing reduction payments and that the rates for the reflective health benefit plans to do not include such funding. It instructs the Green Mountain Care Board to ensure, to the extent not expressly prohibited under federal law, that the funding to offset the loss of the federal cost-sharing reduction payments is included exclusively in silver-level qualified health benefit plans offered through the Vermont Health Benefit Exchange. The act also makes conforming changes in other statutes that refer to reflective health benefit plans.