With a MoneyGeek score of 88 out of 100, Blue Cross and Blue Shield of Vermont offers the best health insurance plans in the state, balancing affordability, customer service and coverage. If this provider isn't available locally, MVP Health Care also provides excellent coverage options.
Best Health Insurance in Vermont
Updated: November 28, 2025
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Key Takeaways
Overall, Blue Cross and Blue Shield of Vermont offers the best and most balanced coverage in Vermont for health insurance.
MVP Health Care provides the best cheap health insurance in Vermont, with Silver-tier plans averaging $929 monthly, where available.
To find the best health insurance in Vermont, educate yourself on companies available to you, decide coverage needs beforehand and compare plan quotes from several companies.
Best Health Insurance Companies in Vermont
Best Provider | MG Score | Best Plan |
|---|---|---|
Blue Cross and Blue Shield of Vermont | 88 | BCBSVT Vermont Select Silver CDHP Reflective Plan |
MVP Health Care | 79 | [MVP VT] Silver 3 |
*Our picks are the best companies for 40-year-olds looking for Silver-tier plans.
Best Health Insurance in Vermont by Category
While we've given our top picks overall, the best company for you may differ depending on your profile and preferred plan type. So below, we've broken down the top picks for common categories to make more personalized recommendations.
Category | Best Provider |
|---|---|
Young Adults | Blue Cross and Blue Shield of Vermont |
Seniors | Blue Cross and Blue Shield of Vermont |
HMO | MVP Health Care |
EPO | Blue Cross and Blue Shield of Vermont |
Best Vermont Health Insurance Reviews
So that you can learn about our recommendations, we've broken down our top picks overall, for affordability and customer service reputation.
Blue Cross Blue Shield: Best Customer Reputation
pros
Second-most-affordable rates in the state
Highest customer reputation score in Vermont
cons
Largest number of in-network counties
No out-of-network coverage except for medical emergencies
COMPANY HIGHLIGHTS
Blue Cross Blue Shield of Vermont ranks highest in MoneyGeek's analysis for comprehensive coverage options and provider networks across Vermont. BCBS provides strong benefits through quality health care systems, competitive plan structures and efficient claims processing.
MVP Health Care: Best Cheap Overall
pros
Cheapest rates in Vermont for most plan tiers
Large provider network with flexible plan options
cons
Significant customer service and administrative issues
COMPANY HIGHLIGHTS
MVP Health Care offers Vermont's most affordable health insurance options, with Silver-tier rates starting at $929 per month. MVP balances budget-friendly premiums and reasonable out-of-pocket costs with access to essential health benefits and provider networks across Vermont.
How to Find the Best Health Insurance for You in Vermont
The following recommendations will ensure that buying health insurance that is ideal for you is easy.
Decide on your coverage needs before buying
When looking for the best health insurance, weigh the monthly cost against the maximum out-of-pocket limits for plans. If you go to the doctor often, a plan with a higher monthly fee but lower MOOP can save you money. But you may not need as much coverage if you're not high risk. Also, compare health insurance plan types to ensure how flexible a provider will be in covering you.
Compare company offerings and reputations
Before comparing rates, understand what plans the top companies in your area offer and their terms. Also, look into company reputations through forums and industry sources like J.D. Power to ensure a smooth buying and coverage claims process.
Shop around
Comparing multiple plans from many providers ensures you get the best possible deal. We found that rates can start at $929 monthly in Vermont, depending on your profile and chosen plan type. Open Enrollment lasts from November 1 to January 15, but you may also qualify for Special Enrollment if you've lost your job, divorced or had a child.
Take advantage of federal programs and subsidies
Those with low income, have a qualifying disability or illness, or are 65 years old or older can receive subsidies or be eligible for Medicare plans. In some cases, depending on your details, you can have up to 100% of your premiums covered if you're low-income or have significant savings if you're eligible for Medicare. MoneyGeek also provides information for finding the top Vermont Medicare Supplement and best Medicare Advantage plans in Vermont if you want to learn more.
Best Health Insurance in Vermont: Bottom Line
Our top picks for Vermont health insurance are Blue Cross and Blue Shield of Vermont and MVP Health Care. However, the best possible health insurance plan for you will vary widely depending on your personal details and coverage needs. Compare as many plans and companies as possible to get the right fit.
Best Vermont Health Insurance: FAQ
Below we've answered frequently asked questions about the best health insurance in Vermont:
What is the best health insurance provider in Vermont for 2025?
Blue Cross and Blue Shield of Vermont provides the best health insurance in the state for 2025. However, your best choice will depend on your unique circumstances and needs and if coverage is available in your county.
What should you look for when shopping for the best health insurance plan in Vermont?
Compare premium costs against coverage breadth and maximum out-of-pocket limits. The best plan balances affordable monthly payments with comprehensive coverage for your anticipated medical needs and expenses.
How We Chose the Best Health Insurance in Vermont
To rank health care insurance providers in Vermont, MoneyGeek researched premiums, out-of-pocket costs, claims denial rates and plan types for each available company and compared them across different categories. We then weighted each category to calculate an overall MoneyGeek score and derive rankings.
We weighted most categories as follows:
- Maximum out-of-pocket (MOOP) score (30%): The MOOP is the most you'll pay per year for health care costs outside of your monthly premiums. The provider with the lowest average MOOP scores the highest.
- Claims denial score (30%): How often a provider denies claims. The provider with the lowest claims denial rate scores the highest.
- Rate score (20%): How much the provider's monthly plans cost. The cheapest provider, on average, gets the highest score.
- Plan type score (20%): Providers score better if they have plan types with broader coverage. A provider with many PPO plans will get the highest score.
In some cases, we adjusted the weightings as follows:
- For the categories "Best Cheap Health Insurance in Vermont" and "Best Health Insurance in Vermont for Low Income," we increased the rate score weighting to 50%. We decreased every other category by 10%.
- For the category "Best Health Insurance by Plan Type in Vermont," we decreased the plan type score weighting to 0% to reflect that we are comparing providers' plans like-for-like. We increased MOOP and claims denial score weightings by 10% each.
Sample Consumer:
MoneyGeek collected data on all available plans in Vermont for consumers aged 18, 26, 40, 50 and 60. Unless otherwise noted, all monthly premiums are for a 40-year-old buyer, such as the category for young adults. Plans analyzed in each section include the relevant cited metal tiers, which include Catastrophic, Bronze, Expanded Bronze, Silver, Gold and Platinum.
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About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like 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.