Health insurance in Vermont is sold through Vermont Health Connect, with an estimated 15-25 plans available for 2026. The average Silver-tier premium is $490/mo before subsidies for a 40-year-old non-smoker. Medicaid status: Expanded.
Marketplace
Vermont Health Connect
Vermont Health Connect
Avg Silver Premium
$490/mo
Before tax credits, age 40
Medicaid
Expanded
Affordable Care Act status
| Field | Value | Notes |
|---|---|---|
| Marketplace | Vermont Health Connect | State-run exchange |
| Open Enrollment 2026 | Nov 1, 2025 – Jan 15, 2026 | Special enrollment for QLEs year-round |
| Plans available | 15-25 | Bronze/Silver/Gold/Platinum tiers |
| Medicaid expansion | Expanded | Up to 138% FPL |
Premium and plan counts are estimates for 2026 based on prior-year filings and pending rate approvals. Always verify pricing on the marketplace itself before enrolling.
Vermont operates its own state-based exchange, Vermont Health Connect, with only 15–25 plans available statewide — one of the smallest marketplaces by plan count. BCBS Vermont and MVP Health Care are the primary carriers. Silver premiums average $480–$505/month for a 40-year-old before subsidies, relatively high for a small and low-income state. Vermont's rural geography means that a single insurer's network covers most of the state. Vermont previously attempted to create a single-payer health system (Green Mountain Care) but abandoned the effort in 2014 due to financing challenges.
Vermont has expanded Medicaid broadly and covers nearly 40% of its population through Medicaid and CHIP — one of the highest rates in the country. The state has also extended coverage to children regardless of immigration status. Vermont's Dr. Dynasaur program covers children and pregnant women at high income levels. Vermont Health Connect has had persistent technology challenges since its launch but continues to serve as the state's enrollment platform. Vermont's political environment strongly favors universal coverage, and the state continues to explore models beyond the ACA framework.
Leading 2026 ACA carriers in Vermont: Blue Cross Blue Shield of Vermont, MVP Health Care, Vermont Health Connect CO-OP. Plan selection and network breadth vary widely by ZIP code — use the marketplace's plan-finder tool with your ZIP and household income for accurate availability.
Vermont has pursued single-payer health system concepts and operates one of the most generous Medicaid programs in the country, covering nearly 40% of the state's population.
Vermont expanded Medicaid under the ACA. Adults under 138% of the Federal Poverty Level (FPL) qualify — about $20,800/yr for an individual or $43,000/yr for a family of 4 in 2026.
💡 Vermont Pro Tip
Vermont operates its own state-based exchange called Vermont Health Connect at healthconnect.vermont.gov.
A 40-year-old non-smoker in Vermont typically pays about $480–$505/month for a Silver plan before subsidies.
Yes. Vermont has expanded Medicaid broadly and covers nearly 40% of its population through Medicaid and CHIP. Adults earning up to 138% FPL are generally eligible for expansion coverage.
Marketplace data sourced from state and federal exchange filings for Vermont, April 2026. Premium estimates are 2026-projected.
Jennifer Walsh
Editorial Lead, Health & Medicare
This article was researched and written by the Cover Forge USA editorial team against federal sources (NAIC, CMS, FEMA, DOL, SSA, state DOIs) and standard policy forms. Bylines organize content by topic — they do not assert individual licensure. See our editorial-policy for details.
Reviewed April 2026
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