MVP Health Care is the best health insurance in Vermont for HMO plans, with Silver HMO plans averaging $1,113 per month and $3,050 deductibles. Blue Cross Blue Shield is the leading choice for EPO plans, with Silver plans averaging $1,304 per month and $3,625 deductibles.
Best Health Insurance in Vermont (2026)
Updated: January 29, 2026
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Key Takeaways
MVP Health Care is Vermont's top health insurance provider for HMO plans, with the lowest premiums available in the state across all metal tiers.
Blue Cross Blue Shield is the best EPO plan provider in Vermont, with policy options across all metal tiers.
Shop smart by gathering quotes from multiple insurers, examining deductibles and coverage details and confirming your preferred doctors participate in the network.
Best Health Insurance Companies in Vermont
MVP Health Care | $1,113 | $9,075 | $3,050 | 5 | HMO |
Blue Cross Blue Shield | $1,304 | $9,700 | $3,625 | 5 | EPO |
*Our picks reflect the best companies for 40-year-olds seeking Silver-tier plans. Rates vary by location, plan type, age and coverage level.
MVP Health Care
MoneyGeek Rating
5/ 5
5/5Affordability
5/5Deductible
5/5MOOP
Average Monthly Rate
$1,113Average MOOP
$9,075Average Deductible
$3,050
Blue Cross Blue Shield
MoneyGeek Rating
5/ 5
5/5Affordability
5/5Deductible
5/5MOOP
Average Monthly Rate
$1,304Average MOOP
$9,700Average Deductible
$3,625
Compare Health Insurance Companies in Vermont
Health insurance is not one size fits all, and it's important to research all of your options before making a decision. While insurance companies in Vermont are not allowed to adjust premiums based on age, gender, health, or other risk characteristics, monthly premiums, deductibles and out-of-pocket maximums do vary across policy types, metal tiers and providers. Use the filterable table below to find the best health insurance for your needs and budget.
Data filtered by:
HMO
Silver
No
| MVP Health Care | $1,113 | HMO | Silver | $9,075 | $3,050 | No |
| MVP Health Care | $1,113 | HMO | Silver | $9,075 | $3,050 | No |
| MVP Health Care | $1,113 | HMO | Silver | $9,075 | $3,050 | No |
| MVP Health Care | $1,113 | HMO | Silver | $9,075 | $3,050 | No |
| MVP Health Care | $1,113 | HMO | Silver | $9,075 | $3,050 | No |
*Some providers offer multiple plans of the same type and tier. Rates are based on company averages across all available plans for the given age, plan type and metal tier.
How to Find the Best Health Insurance in Vermont
Finding the right health insurance in Vermont involves evaluating your coverage needs, researching insurer reputations and exploring available enrollment options.
Decide on your coverage needs before buying
Consider how often you seek medical care and compare monthly premiums with out-of-pocket limits. If you visit doctors frequently, plans with higher monthly costs but lower maximum out-of-pocket limits often save money long-term.
If you don't need care often, lower-premium plans with higher out-of-pocket expenses may work better. Review HMO, PPO and EPO plan types to understand network flexibility and referral requirements.
Compare company offerings and reputations
Research what plans insurers offer in your area and review coverage terms carefully. Check company reputations through J.D. Power ratings and state complaint databases to verify claims handling and customer service quality.
Compare provider networks, prescription drug coverage and benefits that matter most to your health needs.
Shop around
Vermont rates vary based on plan type, coverage level and other factors. Open enrollment runs from Nov. 1 to Jan. 15 through Vermont Health Connect.
Special enrollment applies after qualifying life events like job loss, marriage, divorce, birth or loss of existing coverage. Compare quotes from multiple insurers to find the best value for your situation.
Take advantage of federal programs and subsidies
Depending on your income, age or health condition, you may qualify for premium tax credits or cost-sharing reductions.
Some Vermont residents may be eligible for plans with $0 premiums through Medicaid or marketplace subsidies. Those 65 and older can explore Medicare Supplement and Medicare Advantage plans for other coverage options.
Average Health Insurance Cost in Vermont
Vermont health insurance costs vary by plan type, metal tier, and other factors like whether the plan is eligible for an HSA or is a low-income plan. HMO plans are the most affordable, with Bronze coverage averaging $841 monthly and Platinum reaching $1,366. EPO plans cost more, ranging from $962 for Bronze to $1,580 for Platinum coverage.
| HMO | $841 | $1,128 | $1,173 | $1,366 |
| EPO | $962 | $1,319 | $1,338 | $1,580 |
*Average monthly premiums for 40-year-olds in Vermont by plan type. Rates vary location.
Best Health Insurance in Vermont: Bottom Line
MVP Health Care leads Vermont's HMO market based on our analysis while Blue Cross Blue Shield leads for EPO plans. The best health insurance plan for you depends on your age, budget, health needs and preferred network. Get quotes from multiple insurers.
Best Vermont Health Insurance: FAQ
Answers to questions about finding the best health insurance:
Is health insurance required in Vermont?
Yes, Vermont requires residents to have health insurance or pay a state tax penalty when filing returns. Exemptions are available for financial hardship, religious objections, and short coverage gaps. Vermont residents may be eligible for state subsidies to help reduce premium costs.
When is open enrollment in Vermont?
Vermont's open enrollment period for 2026 health coverage starts November 1, 2025, and ends January 31, 2026. You must select a plan by December 31, 2025, for coverage to begin January 1, 2026.
Can you get free health insurance in Vermont?
Yes, Vermont residents can access free health insurance through Medicaid if they meet income requirements. Others qualify for premium subsidies through Vermont Health Connect, the state's marketplace.
How We Chose the Best Health Insurance in Vermont
Our ranking system evaluates health insurance plans based on three cost factors: monthly premiums, deductibles and maximum out-of-pocket limits.
Scoring breakdown:
- Monthly premium (60%): Plans with lower average monthly costs receive higher scores.
- Maximum out-of-pocket (MOOP) score (20%): This is the yearly spending cap beyond premiums. Insurers with smaller MOOP limits earn better ratings.
- Deductible (20%): The amount you pay before insurance coverage begins. Plans requiring less upfront spending score higher.
We standardized all scores within each filter group. The best-performing Silver HMO plan receives a 5 out of 5 rating, with other plans scored relative to that top performer.
MoneyGeek examined every 2026 health plan offered in Vermont for people ages 18, 26, 40, 50 and 60. Premium costs shown reflect rates for a 40-year-old unless stated otherwise. Our analysis covers Catastrophic, Bronze, Expanded Bronze, Silver, Gold and Platinum coverage levels.
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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.