Find Affordable Coverage in Vermont
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Vermont ACA Marketplace Overview
In 2026, approximately 32,000 Vermont residents are enrolled in ACA Marketplace coverage. Vermont uses its own state-run exchange for health insurance enrollment.
Vermont has expanded Medicaid under the ACA, meaning adults earning up to 138% FPL qualify for free or near-free coverage through Medicaid.
How Much Does ACA Coverage Cost in Vermont?
The benchmark Silver plan (second-lowest-cost Silver plan) in Vermont costs approximately $568/month before subsidies in 2026. However, most Vermont residents who qualify for premium tax credits pay significantly less.
- $0/month premium: Possible for Vermont households earning up to 150% of the Federal Poverty Level
- Low premiums: Households earning up to 400% FPL qualify for substantial subsidies
- Above 400% FPL: Still eligible if the benchmark plan exceeds 8.5% of household income
Use our ACA Subsidy Calculator to estimate your specific monthly costs based on your Vermont household income.
Top ACA Health Insurance Companies in Vermont
The following carriers offer ACA Marketplace plans in Vermont for 2026:
- Blue Cross Blue Shield VT
- MVP Health Care
Plan availability varies by county in Vermont. Use Vermont Health Connect to see exact plans available in your ZIP code.
ACA Plan Tiers Available in Vermont
- Bronze: Lowest premiums, highest deductibles. Best for healthy Vermont residents who rarely need care.
- Silver: Mid-range. Strongly recommended for Vermont households earning 100–250% FPL — Silver plans unlock Cost-Sharing Reductions that significantly lower deductibles and copays.
- Gold: Higher premiums, lower out-of-pocket. Best for Vermont residents who use healthcare frequently.
- Platinum: Highest premium, lowest cost per service. Available in most Vermont counties.
When to Enroll in Vermont
- Open Enrollment: November 1 – January 15 on Vermont Health Connect
- January 1 coverage: Enroll by December 15
- February 1 coverage: Enroll by January 15
- Special Enrollment: Available year-round if you lose job-based coverage, move, get married, or have a baby
Vermont Insurance Resources
- Vermont Health Connect — Official Vermont enrollment portal
- Vermont Department of Insurance — Plan complaints and consumer protection
- Complete ACA Guide — Full explanation of ACA Marketplace rules
- Subsidy Calculator — Estimate your 2026 premium tax credit