Health Insurance in Vermont — Statewide Coverage, VT — 2026 Plans & Premiums
26 ACA marketplace plans are available in Vermont — Statewide Coverage, VT, from 2 insurers. The cheapest plan starts at $824.14/month before subsidies.
Insurers price these 14 counties identically, so plan availability and premiums below apply to all of them:
- Addison County
- Bennington County
- Caledonia County
- Chittenden County
- Essex County
- Franklin County
- Grand Isle County
- Lamoille County
- Orange County
- Orleans County
- Rutland County
- Washington County
- Windham County
- Windsor County
26
Plans Available
$824.14
Cheapest Plan/mo
2
Insurers
Vermont Health Connect
Exchange
Insurers Serving Vermont — Statewide Coverage
Plans Available in Vermont — Statewide Coverage
Sorted by monthly premium · 30-year-old · Before subsidies
MVP Health Care [MVP VT Plus] Bronze 5
MVP Health Care
$824.14/mo
Ded: $9,950
MVP Health Care [MVP VT] Bronze 2
MVP Health Care
$830.73/mo
Ded: $6,450
MVP Health Care [MVP VT] Bronze 4
MVP Health Care
$841.60/mo
Ded: $10,150
MVP Health Care [MVP VT HDHP] Bronze 3
MVP Health Care
$847.83/mo
Ded: $6,000
MVP Health Care [MVP VT Plus] Bronze 1
MVP Health Care
$862.23/mo
Ded: $7,250
Blue Cross and Blue Shield of Vermont BCBSVT Bronze Plan
Blue Cross and Blue Shield of Vermont
$933.15/mo
Ded: $6,450
Blue Cross and Blue Shield of Vermont BCBSVT Vermont Select Bronze CDHP Plan
Blue Cross and Blue Shield of Vermont
$945.29/mo
Ded: $8,200
Blue Cross and Blue Shield of Vermont BCBSVT Vermont Preferred Bronze Plan
Blue Cross and Blue Shield of Vermont
$951.49/mo
Ded: $9,950
Average Premiums in Vermont — Statewide Coverage
Avg Bronze Plan
$901/mo
10 plans
Avg Silver (Subsidy Benchmark)
$1423/mo
Eligible for CSR cost reductions
All Counties in Vermont
More Vermont Health Insurance Guides
Best Health Insurance in Vermont
Compare Vermont's top-rated plans, ranked by official quality scores — Vermont — Statewide Coverage premiums run differently the statewide picture.
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Compare plansFrequently asked questions about ACA insurance in Vermont
Which counties does this Vermont health insurance page cover?
This page covers 14 Vermont counties: Addison County, Bennington County, Caledonia County, Chittenden County, Essex County, Franklin County, Grand Isle County, Lamoille County, Orange County, Orleans County, Rutland County, Washington County, Windham County, Windsor County. Insurers offer the same plans at the same premiums across all of them, so the 26 plans and $824.14/month starting price shown here apply to every one.
What is the health insurance marketplace in Vermont?
The Vermont (VT) health insurance marketplace is Vermont Health Connect (https://healthconnect.vermont.gov/), a state-based ACA exchange where residents compare and enroll in qualified health plans. Policymage lists 26 plans with live premium data. Open Enrollment runs November 1 through January 15.
How do I compare health insurance plans in Vermont?
Use policymage.com/get-quotes: enter your ZIP code, household ages, and income. Policymage fetches ACA Marketplace plans for your county, calculates APTC subsidies, and lets you compare up to 3 plans side-by-side on premium, deductible, network, and benefits. Free, no account, no broker bias. Plans in Vermont start from $824.14/month before subsidies.
Which Medicaid plan is best in Vermont?
There is no single "best" Medicaid plan in Vermont — Medicaid is administered through MCOs such as Blue Cross Blue Shield of Vermont, MVP Health Care. The right plan depends on your county, doctors, and prescriptions. Medicaid (income up to 138% FPL, ~$21,597/year for an individual) is separate from ACA Marketplace plans at Vermont Health Connect. Apply year-round through your state Medicaid office.
Is short-term health insurance available in Vermont?
Short-term health insurance is sold outside the ACA Marketplace in Vermont by private insurers. These plans are not ACA-compliant: they can exclude pre-existing conditions, skip Essential Health Benefits, and lack guaranteed renewal. For comprehensive coverage with subsidies, enroll in an ACA Marketplace plan at Vermont Health Connect during Open Enrollment (Nov 1–January 15). See policymage.com/faq for more on short-term vs ACA plans.
How much is health insurance in VT?
Health insurance in VT starts as low as $824.14/month for a 30-year-old on a Bronze plan before subsidies. Most Vermont residents who qualify for APTC pay significantly less — some as low as $0/month for a Silver plan.
What is the cheapest health insurance option in VT for 2026?
The cheapest ACA option in VT for 2026 is typically a Bronze-tier plan or, for residents under 30, a catastrophic plan — both carry the lowest monthly premium in exchange for a higher deductible. Compare exact Vermont plans and prices at policymage.com/get-quotes.
When does Open Enrollment end in Vermont for ACA plans?
Open Enrollment for Vermont residents runs from November 1 through January 15. Vermont runs its own exchange (Vermont Health Connect), which set the January 15 deadline. Outside Open Enrollment, you need a Qualifying Life Event to enroll in a Special Enrollment Period.
How much does ACA health insurance cost in Vermont?
Bronze-tier plans in Vermont start as low as $824.14/month for a 30-year-old before subsidies. With APTC tax credits, many Vermont residents pay $0–$50/month for Bronze coverage. Costs vary by age, county, tobacco use, and household size.
Does Vermont use HealthCare.gov or its own state exchange?
Vermont runs its own state-based Marketplace called Vermont Health Connect (https://healthconnect.vermont.gov/). You enroll there directly — not at HealthCare.gov. Plan offerings, enrollment dates, and customer support are managed by Vermont, not the federal government.
Has Vermont expanded Medicaid under the ACA?
Yes. Vermont has expanded Medicaid, so adults with household income up to 138% of the Federal Poverty Level (approximately $21,597/year for an individual) qualify for free or very low-cost Medicaid. There's no Open Enrollment window — you can apply year-round.
What are the income limits for ACA subsidies in Vermont?
Premium Tax Credit eligibility starts at 100% of the Federal Poverty Level — about $15,650/year for an individual or $32,300/year for a family of 4. Vermont residents above 400% FPL still qualify if benchmark Silver costs more than 8.5% of their income. Use the Vermont Health Connect subsidy calculator for your exact estimate.
What are the metal tiers in Vermont (Bronze, Silver, Gold, Platinum)?
Vermont ACA plans come in four metal tiers based on actuarial value (the percentage of medical costs the plan covers on average): Bronze (~60%), Silver (~70%), Gold (~80%), and Platinum (~90%). Bronze has the lowest premium and highest deductible; Platinum has the highest premium and lowest deductible. Silver is the "benchmark" tier used to calculate APTC subsidies, and it's the only tier eligible for Cost-Sharing Reductions if you qualify by income.
Are HSA-eligible plans available in Vermont?
Yes. HSA-eligible High-Deductible Health Plans (HDHPs) are available in Vermont through Vermont Health Connect. For 2026, HDHPs must have a deductible of at least $1,650 (individual) or $3,300 (family), and you can contribute up to $4,300 (individual) or $8,550 (family) to your HSA pre-tax. HSA contributions roll over year-to-year and can be invested.
Do Vermont ACA plans cover dental and vision?
Vermont ACA Marketplace plans for adults include preventive care, mental health, prescriptions, hospitalization, and the 10 Essential Health Benefits — but adult dental and vision are not federally required. Most Vermont plans cover pediatric dental and vision automatically. For adult dental/vision, you typically buy a separate standalone plan through Vermont Health Connect or directly from an insurer.
What is a Qualifying Life Event for Special Enrollment in Vermont?
Outside Open Enrollment, Vermont residents can enroll in or change ACA plans within 60 days of a Qualifying Life Event: loss of other health coverage, marriage or divorce, birth or adoption of a child, moving to a new county or state, a change in income that affects subsidy eligibility, becoming a US citizen, or release from incarceration. Have documentation ready when applying through Vermont Health Connect.
How do I find in-network doctors and hospitals in Vermont?
Each Vermont ACA plan has its own provider network. Before enrolling, look up the plan on Vermont Health Connect, click the carrier name to access their provider directory, and search for your specific doctors and preferred hospitals by name. Out-of-network care typically isn't covered (HMO plans) or costs significantly more (PPO plans). If you have an existing provider relationship, network match is usually more important than the lowest premium.
Find the Right Plan in Vermont — Statewide Coverage
Enter your ZIP code, age, and income to see all plans available to you — with your actual subsidy applied, or see how Vermont — Statewide Coverage compares to the Vermont state average.
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