MVP Health Care beats Vermont competitors with $1,135 average monthly premiums for the state's most affordable health insurance, costing $65 less than the statewide average, with availability varying by location. Blue Cross Blue Shield ranks second. Both insurers operate throughout Vermont's marketplace with different plan structures and network options.
Cheapest Health Insurance in Vermont: Affordable Plans for 2026
Updated: January 29, 2026
Advertising & Editorial Disclosure
Key Takeaways
MVP Health Care is Vermont's most affordable health insurance provider, with an average monthly premium of $1,135.
MVP Health Care offers the cheapest rates for teens, young adults, adults, seniors and HMO plans. Blue Cross Blue Shield has the lowest EPO rates.
Compare at least three insurers during Open Enrollment to find affordable coverage. Spending 30 minutes comparing plans can save you hundreds annually.
Most Affordable Health Insurance Companies in Vermont
| MVP Health Care | $1,135 | $65 | $13,620 | $780 |
| Blue Cross Blue Shield | $1,257 | $57 | $15,084 | $684 |
* We calculate average monthly rates by taking the rounded average of each provider’s monthly plan rates in Vermont. We calculate average monthly savings by subtracting the statewide average monthly rate from each provider’s average to show how much cheaper they are than the overall state average. Your actual rates will vary based on age, location and chosen plan.
MVP Health Care
MoneyGeek Rating
5/ 5
5/5Affordability
5/5Deductible
5/5MOOP
Avg. Monthly Rate
$1135Avg. MOOP
$7519Avg. Deductible
$4628
Cheapest Vermont Health Insurance Providers By Profile
Your age, plan type and metal level determine which provider offers the lowest rates for your situation. Comparing premiums against deductibles and maximum out-of-pocket costs matters when selecting the best coverage that matches your health care usage patterns and budget constraints throughout the year, especially when you're planning for prescription costs and expected medical visits.
| Teens | MVP Health Care | $1,113 | $13,353 | $9,075 | $3,050 |
| Young Adults | MVP Health Care | $1,113 | $13,353 | $9,075 | $3,050 |
| Adults | MVP Health Care | $1,113 | $13,353 | $9,075 | $3,050 |
| Seniors | MVP Health Care | $1,113 | $13,353 | $9,075 | $3,050 |
| HMO | MVP Health Care | $1,113 | $13,353 | $9,075 | $3,050 |
| With Health Savings Account Eligibility | MVP Health Care | $1,144 | $13,724 | $6,594 | $4,119 |
| EPO | Blue Cross Blue Shield | $1,304 | $15,644 | $9,700 | $3,625 |
* Rates shown are averages for silver-tier plans, using the following ages for each group: teens age 18, young adults age 26, adults age 40, seniors age 60. For plan type costs, we used average rates for 40-year-olds.
Cheapest Vermont Health Insurance By Metal Level
Monthly premiums and out-of-pocket expenses shift based on your metal tier selection. Bronze tiers cost less monthly but demand higher deductibles and out-of-pocket expenses when you need care. Platinum tiers charge higher premiums but reduce costs when you use medical services.
MVP Health Care wins across all Vermont metal tiers with Bronze plans averaging $841 monthly, Silver plans at $1,113, Gold plans at $1,140 and Platinum plans reaching $1,366 for 40-year-old coverage, though you'll pay more as you age.
| Bronze | MVP Health Care | $841 | $10,096 | $9,330 | $7,960 |
| Silver | MVP Health Care | $1,113 | $13,353 | $9,075 | $3,050 |
| Gold | MVP Health Care | $1,140 | $13,680 | $6,850 | $3,250 |
| Platinum | MVP Health Care | $1,366 | $16,387 | $1,600 | $500 |
* Rates shown are the provider's average at the given metal tier for 40-year-olds.
Compare Cheap Vermont Health Insurance Plans
Check the table below to discover the cheapest health insurance options in Vermont suited to your situation:
Data filtered by:
EPO
Bronze
40
No
| Blue Cross Blue Shield | BCBSVT Bronze Plan | $933 | EPO | Bronze | $10,150 | $6,450 | 40 | No |
| Blue Cross Blue Shield | BCBSVT Vermont Preferred Bronze Plan | $951 | EPO | Bronze | $9,950 | $9,950 | 40 | No |
| Blue Cross Blue Shield | BCBSVT Bronze Integrated Plan | $987 | EPO | Bronze | $10,150 | $10,150 | 40 | No |
How to Find the Cheapest Health Insurance in Vermont
Use these five tips to identify affordable coverage that fits your health care requirements without straining your budget:
- 1Choose a plan type within your budget
Your health circumstances and income determine which type of plan and metal tier work best. Calculate your monthly premium budget, assess your current health status and evaluate your injury or illness risk based on age, location and lifestyle.
- 2Check if you qualify for subsidies
Your household income and size determine eligibility for 2026 health insurance subsidies. Subsidies apply to incomes between 100% and 400% of the Federal Poverty Level (FPL). Lower incomes receive larger subsidies, with credit amounts decreasing as income rises.
- 3Explore Medicare options if you qualify
Medicare, Medicaid, Medicare Advantage plans and Medicare Supplement plans cost less than marketplace coverage. Compare eligibility requirements and benefits for each program.
- 4Verify prescription coverage
Check which tier your medications fall under for each insurer. Some plans place common prescriptions on lower tiers with smaller copays, potentially saving you hundreds annually.
- 5Shop during Open Enrollment period
Open Enrollment runs from November 1 to January 15. You may qualify for Special Enrollment if you've lost your job, divorced or had a child. Compare coverage types, customer ratings, costs and whether your doctors accept the plan.
- 6Review network providers carefully
Confirm that your preferred doctors, specialists and hospitals accept the plan you're considering. Out-of-network care can result in much higher costs or no coverage at all. Contact providers directly or check the insurer's online directory to verify current participation before enrolling in any Vermont health plan.
Cheapest Health Insurance in Vermont: Bottom Line
MVP Health Care and Blue Cross Blue Shield offer Vermont's lowest health insurance rates across the marketplace. Request quotes from at least three insurers across multiple metal tiers to find the one that matches your budget and coverage needs.
Cheap Vermont Health Insurance: FAQ
Below we address frequently asked questions about affordable health insurance in Vermont:
What is the cheapest health insurance in Vermont?
MVP Health Care offers Vermont's most affordable health insurance, with Silver plans starting at $1,135 monthly for 40-year-olds.
What are the downsides of a cheap health insurance plan?
Cheap plans charge higher deductibles and out-of-pocket costs when you need medical care. You'll pay less monthly but more when using services. Higher-premium plans cost more upfront but reduce what you pay for doctor visits, prescriptions and procedures.
Do I qualify for subsidies on health insurance in Vermont?
Subsidies reduce monthly premiums through Vermont Health Connect, Vermont's health insurance marketplace. Enter your household income during enrollment to check eligibility.
When can I enroll in health insurance in Vermont?
Vermont's Open Enrollment period runs November 1 through January 15 for coverage starting the following year. You can also enroll outside this window if you experience a qualifying life event like job loss, marriage or having a baby, which triggers a Special Enrollment period.
How We Decided the Cheapest Health Insurance Companies in Vermont
Vermont offers dozens of health insurance plans, and premiums vary by age. We analyzed rate data from Vermont Health Connect, the state's health insurance marketplace, to identify which insurers offer the lowest premiums for different demographics.
Our Analysis Approach
We collected plan data for consumers aged 18, 26, 40, 50 and 60 to cover the full age spectrum from teens through pre-Medicare seniors. We ranked providers by their average monthly premiums for 40-year-olds as our baseline "cheapest overall" category, since this age reflects Vermont's median health insurance consumer and provides the most relevant comparison for most shoppers.
For age-specific rankings (teens, young adults, adults, seniors), we used the corresponding ages listed above. This approach reveals which insurers offer the best rates for your specific age group, not just generic "cheapest" rankings that may not apply to you.
Important Cost Tradeoff
Bronze and Silver plans (the lowest monthly premiums) charge $3,050 to $7,960 deductibles and $9,075 to $9,330 maximum out-of-pocket costs. You'll save monthly but pay more when you need care. Compare premiums and potential out-of-pocket expenses based on your expected medical usage.
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About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.