Vermont health insurance 2027: prices, plans and free help

Vermont health insurance facts

Marketplace

Vermont runs its own state-based marketplace, Vermont Health Connect.Source

2027 open enrollment

Open Enrollment for 2027 coverage runs Nov 1, 2026 to Dec 28, 2026 through Vermont Health Connect; enroll by Dec 15, 2026 for coverage that starts January 1.Source All states' 2027 dates.

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.

Average cost of health insurance in Vermont for 2027

The benchmark plan, the second-lowest-cost silver plan that tax credits are measured against, averages $1,313 a month for a 40-year-old in Vermont for 2027, before any credit. That is up 1% from $1,299 in 2026.Source

2027 benchmark silver price by age in Vermont

Vermont does not price by age, so the benchmark is the same at every age.Source Tax credits lower these prices for most buyers. See your own price with the 2027 price checker.

The 2026 Marketplace in Vermont, in numbers

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

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.

Health insurance companies in Vermont for 2027

Vermont runs its own exchange, so the 2027 insurers and plans for your ZIP code are listed on Vermont Health Connect. Private plans sold outside the exchange are a separate list; an advisor can compare both with you.

Cheap health insurance in Vermont: where the low prices are

Tax credits change the price most. For 2026, 76.9% of Vermont Marketplace enrollees got a premium tax credit, and 15.3% paid $10 a month or less after it.Source

Vermont expanded Medicaid, so adults with low incomes may qualify for Medicaid at little or no cost.Source For people who mainly want protection from a large bill, a catastrophic plan can cost less; what our own clients pay 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

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.

What a licensed advisor does and how advisors are paid is on talk to a licensed advisor near you.

Vermont health insurance FAQs

Educational only. Not medical, legal, or personalized insurance advice. Plans are offered and underwritten by third-party carriers. All states.