2023 Affordable Health Insurance Plans in Vermont

Vermont has been a progressive state for healthcare reform. They boasted a low uninsured rate even before the ACA was implemented. Vermonters have two options on the state exchange for coverage, and both have several plans, so there is likely a good fit for individuals and family in the state.

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How to Buy Health Insurance in 2023

You can easily shop for health insurance and make a purchase on the state exchange. Simply go to www.healthcare.gov to review plans, terms, and conditions, and purchase coverage once you’re ready.

How to Apply for Health Insurance in Vermont

Go to www.healthcare.gov to compare your options and apply for health insurance in Vermont.

Health Insurance Carriers In Vermont

There are currently two options for health insurance carriers on the exchange in Vermont: MVP VT, and Blue Cross Blue Shield of Vermont.

Vermont Health Insurance Costs Overview

Vermont has three tiers of coverage – Gold, Silver, and Bronze.

As 2023 data is not yet available, we have used statistics from 2022 to reflect costs so you can have an idea of what to expect. Current data shows that 2023 premiums will rise by 4 percent for a 27-year-old for a silver benchmark marketplace plan sold through HealthCare.gov.

How Much Does Health Insurance Cost in Vermont?

The average benchmark monthly health insurance premium in Vermont for a 40 year old is $749.

What is the Cheapest Health Insurance Plan in Vermont? 

Vermont’s cheapest health insurance plan is the one that gives you the most coverage when you need it. Enter your zip code below to find the plan that works best for you. 

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Cheapest Vermont Health Insurance Coverage by Metal Tier

As 2023 data is not yet available, we have used statistics from 2022 to reflect costs so you can have an idea of what to expect. Current data shows that 2023 premiums will rise by 4 percent for a 27-year-old for a silver benchmark marketplace plan sold through HealthCare.gov.

Note that all costs are 2022 pricing from KFF. (source)

Gold Plans

The average lowest cost premium of a Gold Plan in Vermont in 2022 was $752

Silver Plans

The average lowest cost premium of a Silver Plan in Vermont in 2022 was $732.

Bronze Plans

For a Bronze plan, the average lowest premium in 2022 was $571

Other Types of Vermont Health Insurance Coverage

Catastrophic Health Insurance in Vermont

Vermont has catastrophic health insurance plans available for purchase. 

Short Term Health Insurance in Vermont

Short-term health plans are allowed in Vermont, but neither insurer is currently selling them.

Low Income Health Insurance in Vermont

Low-income residents in Vermont may apply for Medicaid. Children and pregnant women may be eligible for Dr. Dynasaur, which is part of Medicaid. 

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Sources: 

Marketplace Average Benchmark Premiums, KFF, accessed 08/16/2022, https://www.kff.org/health-reform/state-indicator/marketplace-average-benchmark-premiums/?currentTimeframe=0&sortModel=%7B%22colId%22:%22Location%22,%22sort%22:%22asc%22%7D 

Average Marketplace Premiums by Metal Tier, 2018-2022, KFF, accessed 08/16/2022, https://www.kff.org/health-reform/state-indicator/average-marketplace-premiums-by-metal-tier/?currentTimeframe=0&sortModel=%7B%22colId%22:%22Average%20Lowest-Cost%20Bronze%20Premium__2022%22,%22sort%22:%22desc%22%7D