Vermont · VT
Health insurance in Vermont: private plans, the Marketplace, and how AFHC helps
America First Healthcare helps Vermont residents compare private plans, Marketplace options and gap coverage with a licensed advisor. Below is how buying coverage works in Vermont, with every fact linked to its source.
Verify any agent's license through the NIPR lookup.
Quick facts
- Marketplace
- Vermont Health Connect
- 2027 open enrollment
- Not yet confirmed
- Medicaid expansion
- Adopted
- Insurance department
- Vermont Department of Financial Regulation
Facts checked 2026-09-17.
Vermont health insurance facts
- Marketplace
- Vermont runs its own state-based marketplace, Vermont Health Connect.Source
- Medicaid expansion
- Vermont adopted Medicaid expansion (implemented January 1, 2014).Source
- State insurance department
- Vermont Department of Financial Regulation. File complaints and check agent licenses here.Source
Facts checked 2026-09-17. Rules change; confirm anything you plan around at the linked source.
What Marketplace coverage costs in Vermont
For 2026, 30,344 Vermont residents picked a Marketplace plan during Open Enrollment, and 76.9% of them received an advance premium tax credit. The average premium was $1,090 a month per person before the credit and $364 after it, counting everyone who picked a plan. 15.3% paid $10 a month or less after the credit.Source State premium help paid by Vermont’s own exchange is not included in these figures.
The benchmark plan, the second-lowest-cost silver plan that tax credits are measured against, averaged $1,299 a month for a 40-year-old in Vermont in 2026, before any credit.Source
For 2027, insurers across the country proposed a median increase of 15%.Source Your own price depends on your age, county, household income and the plan you pick, and you see exact 2027 numbers only on a Marketplace application or a quote. How the pieces fit together is in how much health insurance costs per month.
What our clients paid, by state and kind of plan, is in health insurance cost by state.
Free, impartial help in Vermont
If you have Medicare or will soon: Vermont’s State Health Insurance Assistance Program (SHIP) is State Health Insurance Assistance Program (SHIP), 1-800-642-5119.Source SHIPs are federally funded, give objective one-on-one Medicare counseling, and there is no cost to use them.Source
America First Healthcare is a licensed agency, not a SHIP or a Marketplace assister. Use them, us, or both; a second opinion costs you nothing either way.
Who we usually help in Vermont
Most Vermont households who book a review are buying coverage without an employer in the middle. The hubs below explain each situation in detail. New to private coverage? Start with private health insurance in the USA.
- Self-employed and 1099 workers, plus the five coverage alternatives and how the rules differ by state
- Small business owners
- Early retirees bridging to Medicare
- People losing employer coverage
- People who are out of work
- Families who want catastrophic-first coverage
We work with families across Vermont, including Burlington, South Burlington and Rutland, and everywhere in between. The review is by phone or video, so where you live in the state does not change how it works.
How the free review works for Vermont residents
- Book online at the free healthcare review page or call (888) 728-7640. What an advisor does and how advisors are paid is on talk to a licensed advisor near you.
- One scheduled call with one licensed advisor. We look at what you have and what your household actually needs in Vermont.
- You get the options side by side with every cost shown. No timeline and no pressure; move forward or walk away knowing where you stand.
Vermont health insurance FAQs
When is open enrollment in Vermont for 2027 coverage?
Vermont runs its own marketplace, Vermont Health Connect. We could not confirm its 2027 open enrollment dates from the exchange on 2026-09-17; check Vermont Health Connect directly for the current window before you plan around a date.
How much does health insurance cost in Vermont?
In 2026, the average Vermont Marketplace premium was $1,090 a month per person before tax credits and $364 after them, across all 30,344 people who picked a plan (CMS). The benchmark silver plan for a 40-year-old averaged $1,299 a month before tax credits (KFF). Insurers nationally proposed a median increase of 15% for 2027 (KFF). Your own price depends on your age, county, household income and plan; you see exact 2027 prices on a Marketplace application or a quote once Open Enrollment opens.
Does Vermont use HealthCare.gov or its own marketplace?
Vermont runs a state-based marketplace called Vermont Health Connect. Marketplace plans and any premium tax credit in Vermont go through it rather than HealthCare.gov.
How do I verify an insurance agent's license in Vermont?
Look the agent up through the NIPR license lookup, or contact the Vermont Department of Financial Regulation. Ask for the agent's name and national producer number before you share personal information. NIPR license lookup.
Want a plain-English walkthrough of your Vermont options? Book a free healthcare review. No hard sell.
Free healthcare reviewEducational only. Not medical, legal, or personalized insurance advice. Plans are offered and underwritten by third-party carriers. All states.