Health insurance cost in Vermont
If you're moving to Vermont without job-based coverage, here's what a Marketplace plan costs before subsidies. Vermont ranks #51 of 51 for the lowest benchmark premium.
Monthly premium by age
Vermont doesn't vary premiums by age: every adult pays about $1,299 a month for the benchmark silver plan and $824 for the cheapest bronze plan.
Vermont uses community rating: premiums don't vary by age. Excludes tobacco surcharges.
The Vermont benchmark rose 2% for 2026, less than the 26% national increase, leaving it 108% above the U.S. average for a 40-year-old.
What is different in Vermont
- Where to enroll
- Vermont Health Connect
- Open enrollment for 2027
- Check the marketplace
- Marketplace insurers, 2026
- 2
- Medicaid expansion
- Since Jan 2014
- Penalty if uninsured
- None
- Average paid after credits, 2026
- $364/mo
- Where and when. Vermont runs its own marketplace, Vermont Health Connect, so you apply there rather than at HealthCare.gov. Vermont Health Connect sets its own open-enrollment dates. We couldn't confirm the 2027 dates on an official page when we checked in September 2026, so check its site before you move.
- Choice of insurers. 2 insurers sell Marketplace plans in Vermont for 2026, the same number as in 2025. With so few to choose from, check that your doctors are in a plan's network before you pick it. 30,344 people picked a Marketplace plan here for 2026, down 8% from 2025.
- What enrollees paid. Enrollees here paid an average of $364 a month after tax credits for 2026, up 65% from the $220 they paid for 2025 (U.S. average: $178). Before credits, the plans they chose averaged $1,090.
- Medicaid. Vermont expanded Medicaid in January 2014, when the ACA expansion took effect. Adults with income up to 138% of the federal poverty level can generally get Medicaid instead of a Marketplace plan.
- Going uninsured. Vermont doesn't charge a penalty for going without coverage, and the federal penalty ended after 2018. In 2024, 4.3% of residents had no health insurance, one of the five lowest shares (U.S.: 8.2%), and 6.7% bought their own coverage.
Subsidies in 2026
The enhanced premium tax credits of 2021–2025 expired, so 2026 follows the original ACA rules: credits are available for household incomes between 100% and 400% of the federal poverty level, and you're expected to pay between about 2.1% and 9.96% of income for the benchmark plan. Above 400% there's no federal credit. Check your price at Vermont Health Connect.
Frequently asked questions
How much is health insurance in Vermont in 2026?
The benchmark silver plan for a 40-year-old averages $1,299 a month before subsidies, and the cheapest bronze plan $824 (KFF analysis of CMS data). That's up 2% from 2025.
How much does health insurance cost for a 60-year-old in Vermont?
Vermont doesn't rate premiums by age, so a 60-year-old pays the same as anyone else: about $1,299 a month for the benchmark silver plan.
Did Vermont expand Medicaid?
Vermont expanded Medicaid in January 2014, when the ACA expansion took effect. Adults with income up to 138% of the federal poverty level can generally get Medicaid instead of a Marketplace plan.