Health insurance prices in Vermont (2026)
28 marketplace plans from 2 insurers across 14 counties. Official marketplace: Vermont Health Connect.
Plan year 2026 prices; 2027 prices will be added as soon as CMS publishes them. Monthly premium for one 40-year-old, before any tax credit (subsidy).
Community rating: in this state everyone pays the same premium regardless of age, so these prices apply at any adult age.
Compare options
Individual & family health insurance (marketplace / ACA plans)
Real insurance plans you buy yourself (not through a job), sold by companies like UnitedHealthcare, Blue Cross Blue Shield, Ambetter (Centene), Oscar, Cigna, Molina and Anthem through HealthCare.gov or your state's marketplace.
Looking for Aetna? Aetna CVS Health left the ACA marketplace for 2026 (it sold plans in 17 states in 2025). Source: KFF
All plans here: Bronze $824–$988 (typical $898) · Silver $1,289–$1,596 (typical $1,428) · Gold $1,135–$1,345 (typical $1,270) · Platinum $1,366–$1,580 (typical $1,473) · Catastrophic $400–$421 (typical $410)
Insurers, sorted by typical Silver price
Every marketplace insurer must sell Silver and Gold plans; Bronze is optional, so Silver is the fair comparison. Typical = median monthly premium, age 40.
| Insurer | Counties (of 14) | Plans | Cheapest plan | Typical Bronze | Typical Silver | Typical Gold | Cheapest plan name |
|---|---|---|---|---|---|---|---|
| MVP Health Care | 14 | 14 | $824 | $842 | $1,301 | $1,145 | [MVP VT Plus] Bronze 5 |
| Blue Cross and Blue Shield of VermontIndependent Blue Cross Blue Shield company | 14 | 14 | $933 | $951 | $1,519 | $1,335 | BCBSVT Bronze Plan |
Deductibles and a bad year, by metal level
| Metal | Lowest | Typical* | Highest | Plans | Typical deductible | Typical out-of-pocket max | Typical bad year** |
|---|---|---|---|---|---|---|---|
| Bronze | $824 | $898 | $988 | 10 | $7,725 | $9,950 | $19,979 |
| Silver | $1,289 | $1,428 | $1,596 | 8 | $3,500 | $7,625 | $24,830 |
| Gold | $1,135 | $1,270 | $1,345 | 6 | $2,350 | $5,425 | $20,300 |
| Platinum | $1,366 | $1,473 | $1,580 | 2 | $500 | $1,600 | $19,272 |
| CatastrophicUnder 30 or hardship exemption only | $400 | $410 | $421 | 2 | $10,600 | $10,600 | $15,522 |
* Typical = median: half of plans cost less, half cost more. ** Bad year = 12 months of premium + the plan's in-network out-of-pocket maximum (median across plans). Out-of-network care and non-covered services are extra.
Prices by county in Vermont
| County | Insurers | Plans | Cheapest plan | Typical Bronze | Typical Silver |
|---|---|---|---|---|---|
| Addison County | 2 | 28 | $824 | $898 | $1,428 |
| Bennington County | 2 | 28 | $824 | $898 | $1,428 |
| Caledonia County | 2 | 28 | $824 | $898 | $1,428 |
| Chittenden County | 2 | 28 | $824 | $898 | $1,428 |
| Essex County | 2 | 28 | $824 | $898 | $1,428 |
| Franklin County | 2 | 28 | $824 | $898 | $1,428 |
| Grand Isle County | 2 | 28 | $824 | $898 | $1,428 |
| Lamoille County | 2 | 28 | $824 | $898 | $1,428 |
| Orange County | 2 | 28 | $824 | $898 | $1,428 |
| Orleans County | 2 | 28 | $824 | $898 | $1,428 |
| Rutland County | 2 | 28 | $824 | $898 | $1,428 |
| Washington County | 2 | 28 | $824 | $898 | $1,428 |
| Windham County | 2 | 28 | $824 | $898 | $1,428 |
| Windsor County | 2 | 28 | $824 | $898 | $1,428 |
To compare insurance plans side by side (or with health sharing), open your county.