ACA Health Insurance > Break Down > Health Insurance in Vermont
Health Insurance Vermont: Your Roadmap to Affordable Coverage
From Burlington to Brattleboro—We’ve Got Vermont Covered.
Hey there, Vermont neighbor! Looking for health insurance in Vermont? Whether you’re turning 26, working freelance, or just navigating life’s changes, this guide makes the process simple, friendly, and totally doable.
Why Should You Buy Health Insurance in Vermont?
Health insurance is one of the smartest decisions you can make—not just for your health, but for your wallet too.
Here’s why it matters in Vermont:
Though Vermont has one of the lowest uninsured rates in the U.S., there are still thousands who remain uncovered.
Many residents qualify for subsidies or state assistance but don’t know it.
Preventive services like checkups, screenings, and vaccines are free with ACA-compliant plans.
With the right plan, you get peace of mind and proactive care—without the big bills.
Types of Health Insurance Available in Vermont
Marketplace Plans (via Vermont Health Connect)
Vermont operates its own exchange: Vermont Health Connect. You can shop ACA-compliant plans and apply for financial assistance directly through the state-run marketplace.
Short-Term Insurance
Vermont has restrictions on short-term plans, so they’re not commonly used. Most residents find coverage through the state exchange or employer plans.
Medicare
If you're 65 or older (or have a qualifying disability), Medicare offers hospital, outpatient, and prescription coverage. Supplemental and Advantage plans are also available.
Medicaid (Green Mountain Care)
Vermont has expanded Medicaid under the ACA. Low-income adults, children, and families may qualify through Green Mountain Care, the state’s umbrella health coverage program.
Private Insurance
You can also buy directly from insurance companies, often with more flexibility or added benefits.
Compare plans based on price and benefits with us.
Is Health Insurance Required in Vermont?
Technically, Vermont has an individual mandate requiring residents to maintain minimum essential health coverage, but there is no financial penalty for going without it.
Still, skipping coverage puts your health and finances at risk. Unexpected emergencies can result in massive out-of-pocket bills, and you’ll lose access to preventive care and affordable prescriptions.
So even without a fine, getting covered is still the wise move.
How Much Does Health Insurance Cost in Vermont?
Costs vary by income, age, and household size—but many Vermonters qualify for premium subsidies and cost-sharing reductions that make coverage much more affordable.
Some pay as little as $0/month. Others get high-quality coverage for under $75/month, depending on their situation.
Medicare and private plans have different pricing based on what services and extras you choose.
💡 A price calculator can help estimate costs and eligibility for savings.
How to Pick the Right Health Plan for You
To choose the best plan, ask yourself:
What doctors or hospitals do I prefer?
Do I take any medications regularly?
Am I planning for any medical procedures this year?
What’s my ideal balance between premiums and deductibles?
If you’re not sure, no worries. We’re here to guide you through every detail.
Our Health Insurance Services in Vermont
From big cities to small mountain towns, we help Vermonters find and keep the right health coverage.
Who We Help
We assist:
Young adults coming off family plans
Self-employed creatives and gig workers
Families needing dependable care
Seniors exploring Medicare options
What We Offer
We help with:
Vermont Health Connect enrollment
Green Mountain Care (Medicaid) applications
Medicare plan comparisons
Private insurance evaluations
Prescription, dental, and vision savings
And yes—we offer bilingual support in Spanish.
How to Get Started
View your coverage options online.
Speak with a licensed Vermont agent (optional).
Apply in minutes and get peace of mind for the year ahead.
We’ll make the process clear, calm, and complete.
Most Affordable Health Insurance in Vermont
Top health insurance carriers on Vermont Health Connect include:
Blue Cross Blue Shield of Vermont – Local and long-trusted, with wide provider access.
MVP Health Care – Budget-friendly with good digital tools and wellness perks.
We’ll help you compare plans side-by-side based on cost, benefits, and provider networks.
Top 3 Most Uninsured Areas in Vermont
Even in a highly insured state, coverage gaps still exist in:
Rutland, VT – Many working adults earn too much for Medicaid but can’t afford full premiums.
Bennington, VT – Some residents remain unaware of their eligibility for subsidies.
Newport, VT – Rural access and economic barriers make enrollment more difficult.
We’re here to close the gap and make coverage easier for every Vermonter.
Final Tip from Your Friendly Guide
Health insurance in Vermont is more than just protection—it’s access, clarity, and confidence in your care.
Let’s find the plan that’s right for you. We’ll help you compare, choose, and enroll without stress.
Just a heads-up! We looked at our own data to figure out the average health insurance prices as of January 2025. These numbers are just meant to give you an idea—your actual quote might be different depending on your personal situation.
Also, our lawyers want us to remind you: this info is general and doesn’t change what’s actually written in your real insurance policy, which can be different depending on where you live. It’s always a good idea to chat with your own trusted advisor if you have specific questions.
This post is just here to help you get helpful info and tips—not to replace real advice. Plus, if we mention anything from other people or companies, just know that’s their opinion, not ours. And remember, not all plans or discounts are available everywhere!