Paige Cerulli Last Updated On: October 16, 2023

Find Affordable Health Insurance in Vermont

When you have a quality health insurance plan, you’ll also have the peace of mind of knowing you’ll be able to focus on healthcare instead of on finances. The right plan will help you to get the care you need when you need it, but finding the best policy can get tricky when you start comparing details like plan types, deductibles, and premiums.

We’ve highlighted some key information that will help guide you through the process of finding affordable health insurance in Vermont. Here’s how to not only find the best policy, but to also find it at the best price.

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Table of Contents

The Average Cost of Health Insurance in Vermont

Several factors affect the cost of health insurance in Vermont. One of the largest factors – and the easiest to control – is the plan tier or level that you choose. When you shop, you’ll choose from Bronze, Silver, Gold, and Platinum tiers. Bronze tier health insurance plans have some of the most affordable premiums, but the deductibles are more expensive. Gold tier plans have more expensive premiums, but since their deductibles are lower, they’re a popular choice for people who know they’re going to have significant or frequent healthcare needs.


Average Premium for Health Insurance in Vermont

Most Affordable Bronze Plan


Most Affordable Silver Plan


Most Affordable Gold Plan



As you shop for insurance, you may be able to save money by choosing an employer-sponsored healthcare plan, if you’re eligible for one. The average cost of employer-sponsored health insurance in Vermont is $1,755 per year.

Other factors also impact your costs, including your age, health status, and the number of dependents to be included on your plan. Since these individual factors can significantly impact your costs, getting a personalized quote will give you the most accurate idea of what you’ll pay for health insurance. Get a free health insurance quote from ConsumerCoverage today to start exploring your options.

Types of Vermont Health Insurance Plans

Health insurance costs also vary depending on the type of insurance plan that you choose. We’ve outlined some of the most common types of health insurance in Vermont that you’re likely to find.

  • Health Maintenance Organization (HMO) plans will only cover care that you receive from in-network providers, and you’ll be required to have a primary care physician. HMO premiums and deductibles are usually more affordable than other types of health insurance plans.
  • Preferred Provider Organization (PPO) plans give you more flexibility than HMOs, since they will cover out-of-network care and don’t require you to have a primary care physician. PPO premiums and deductibles tend to cost more than an HMO plan’s premiums and deductibles.
  • Exclusive Provider Organization (EPO) plans will only cover in-network care, but you aren’t required to have a primary care physician. These plans usually have more affordable premiums and deductibles.

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Cheap Health Insurance Plans in Vermont

Vermont also offers several health insurance plans designed to help low-income individuals and families afford coverage.

Vermont Medicaid

Green Mountain Care, Vermont’s Medicaid program, is available to those who meet demographic and income requirements. To qualify, Vermonters must be over the age of 65 or blind, disabled, pregnant, or caring for children under age 18. Individuals cannot earn more than $17,131 per year, and the income limit for a household of three is $29,207 per year.

Vermont Dr. Dynassaur

The Vermont Dr. Dynasaur program is designed for children and pregnant women whose households don’t qualify for Green Mountain Care. This program helps to cover costs like routine medical appointments, emergency care, vision, dental, and mental health care.

Vermont Medicare

The Vermont Medicare program includes Original Medicare and Medicare Advantage Plan options that help to cover expenses like outpatient procedures, home health care, prescription drugs, and more. To qualify, Vermonters must be at least 65 years old or have a qualifying disability.

How to Get Health Insurance in Vermont

Shopping around and comparing quotes can help you to find a health insurance policy that meets your needs at a price that’s within your budget. Get a free, personalized quote from ConsumerCoverage to start exploring plan options and find your new health insurance policy.

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