How Much Is Health Insurance in Vermont?

On this page

• What a Vermont Health Connect plan costs before subsidies
• What you’d pay after a tax credit
• Costs beyond the premium
• Vermont Marketplace facts
• When to enroll
• Other options in Vermont
• Frequently asked questions

What a Vermont Health Connect plan costs before subsidies

Vermont is one of the few states where insurers can’t charge older people more. Premiums don’t vary by age or by where you live in the state, so the same plan costs a 21-year-old exactly what it costs a 64-year-old. Prices here don’t follow the usual federal age multiples, and this article doesn’t estimate an age table for Vermont.

In 2026, the benchmark silver plan averaged $1,299 a month before subsidies. Under the federal age curve, the national benchmark works out to about $489 a month at 21 and $1,467 for a 64-year-old. So Vermont’s flat price is far above the national figure for young adults, and from about age 60 on it’s a bit below it.

What you’d pay after a tax credit

A premium tax credit limits what you pay for the benchmark plan to a share of your income if your household earns 100% to 400% of the federal poverty level. Under the federal rules, a single 40-year-old in Vermont earning $40,000 would pay about $287 a month for the benchmark plan in 2026, and the credit would cover the other $1,012 or so. For 2027, the federal share would be about $289. Above 400% of the poverty level ($62,600 for one person for 2026 coverage, $63,840 for 2027), the federal credit stops and you’d pay the full price.

Vermont Premium Assistance lowers that share further for households with income up to 300% of the poverty level, so the $40,000 earner in this example would pay somewhat less than $287.

In 2026, the average credit in Vermont was $947 a month. Enrollees who got help paid $183 a month on average, and the average across all enrollees was $364. Adults with income up to 138% of the poverty level can get Green Mountain Care, Vermont’s Medicaid program, instead.

Costs beyond the premium

Your deductible, copays and coinsurance still apply when you use care, up to the out-of-pocket maximum of $10,600 for one person in 2026 and $12,000 in 2027. Federal cost-sharing reductions on silver plans stop at 250% of the poverty level, and Vermont Cost-Sharing Reductions extend that help up to 300%.

Vermont Marketplace facts

• Marketplace: Vermont Health Connect, the state’s own exchange. You enroll there instead of HealthCare.gov.
• Enrollment: 30,344 plan selections for 2026, down from 32,862 in 2025, which had been the state’s highest in a decade. About 77% got a premium tax credit.
• Insurers: Blue Cross Blue Shield of Vermont and MVP Health Care are the only two, and both return for 2027. Blue Cross Blue Shield of Vermont, which needed a $30 million loan from a Michigan affiliate during its solvency struggles, began rebuilding its reserves in 2025 and repaid the loan.
• 2027 prices: Approved in mid-August 2026 by the Green Mountain Care Board: 2.2% for Blue Cross Blue Shield of Vermont and 3.9% for MVP, both less than the insurers had asked for. The weighted average, about 3%, is the smallest in the country. Small-group plans rise 1.2% (Blue Cross) and 6.2% (MVP).
• Individual mandate: Vermont requires residents to have coverage, though there’s no financial penalty. When you file your Vermont taxes, you report whether you had coverage, including Medicaid or Medicare, for each month of the year.
• State help: Vermont Premium Assistance lowers premiums, and Vermont Cost-Sharing Reductions lower deductibles and copays, for households with income up to 300% of the poverty level.
• Medicaid: Green Mountain Care covers adults up to 138% of the poverty level. Dr. Dynasaur covers children up to 317% and pregnant people up to 213%. Federal Medicaid work requirements take effect January 1, 2027, and people already enrolled must start meeting them when they renew, beginning March 1, 2027.

When to enroll

Open enrollment on Vermont Health Connect for 2027 coverage runs from November 1, 2026 to January 15, 2027. Check with Vermont Health Connect for the deadline to have coverage start January 1. To bring your premium down, see how to lower your Marketplace premium.

Other options in Vermont

• Employer-sponsored insurance, usually the lower-cost route when an employer offers it.
• Green Mountain Care for adults up to 138% of the poverty level, and Dr. Dynasaur for children and pregnant people; see health insurance for children.
• Medicare at 65.

Health insurance costs in nearby states: New Hampshire, Massachusetts and New York. You can also compare health insurance costs in every state.

See 2027 Vermont Health Connect plans and prices for your ZIP code: compare quotes.

Frequently asked questions

Does age affect health insurance prices in Vermont?

No. Vermont doesn’t let insurers charge more by age or by where you live in the state, so a 21-year-old and a 64-year-old pay the same for the same plan. In 2026 the benchmark silver plan averaged $1,299 a month for every adult.

Is there a penalty for not having health insurance in Vermont?

No. Vermont has an individual mandate but doesn’t charge a penalty. You report your coverage for each month on your state tax return; see proof of health insurance at tax time.

How much are Vermont health insurance rates going up in 2027?

About 3% on average, the smallest increase in the country. Regulators approved 2.2% for Blue Cross Blue Shield of Vermont and 3.9% for MVP.

Does Vermont help pay premiums beyond federal tax credits?

Yes. Vermont Premium Assistance and Vermont Cost-Sharing Reductions add state help for households with income up to 300% of the poverty level.

This article is general information, not insurance or tax advice. Prices are averages and estimates; your actual premium depends on your income, household and the plan you choose. Last reviewed September 2026.