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 Vermont
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 2025 data is not yet available, we have used statistics from 2024 to reflect costs so you can have an idea of what to expect.
How Much Does Health Insurance Cost in Vermont?
The average benchmark monthly health insurance premium in Vermont for a 40 year old is $950.
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 2025 data is not yet available, we have used statistics from 2024 to reflect costs so you can have an idea of what to expect.
Note that all costs are 2024 pricing from KFF. (source)
Gold Plans
The average lowest cost premium of a Gold Plan in Vermont in 2024 was $1018.
Silver Plans
The average lowest cost premium of a Silver Plan in Vermont in 2024 was $948.
Bronze Plans
For a Bronze plan, the average lowest premium in 2024 was $726.
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 08/16/2023, 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, 2018-2024, KFF, accessed 08/16/2024, 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