Updated: February 10, 2025
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Health insurance costs will depend on the metal tier you select. The cheapest Silver and Platinum plans in Vermont are offered by MVP Health Care, while the cheapest Gold, Bronze and Catastrophic are from Blue Cross and Blue Shield of Vermont.
If you're looking to balance affordability with high quality and broad coverage options, MoneyGeek also analyzed the best health insurance in Vermont.
Why Trust MoneyGeek? We downloaded plan data for Vermont directly from the Centers for Medicare and Medicaid Services (CMS).
Plan data was updated with the CMS exchange data released in October, the latest available data for the 2024 enrollment period.
The most affordable option in the popular Silver plan category is MVP VT Plus Reflective Silver 1 from MVP Health Care, with a monthly cost of $831. Those seeking to save on monthly rates, at the risk of higher out-of-pocket costs, may consider Bronze plans.
Here are the most affordable health insurance plans from each metal tier:
Discover more about cheap health insurance plans that could potentially save you money while providing the coverage you need.
| Bronze | BCBSVT Bronze Plan | Blue Cross and Blue Shield of Vermont | $726 | $9,450 |
| Silver | MVP VT Plus Reflective Silver 1 | MVP Health Care | $831 | $7,500 |
| Silver | MVP VT Reflective Silver 3 | MVP Health Care | $831 | $9,300 |
| Gold | BCBSVT Vermont Preferred Gold Plan | Blue Cross and Blue Shield of Vermont | $1,018 | $5,150 |
| Platinum | [MVP VT] Platinum 1 | MVP Health Care | $1,265 | $1,500 |
In the Vermont health insurance marketplace, policies are divided into metal tiers: Bronze, Silver, Gold and Platinum. Each tier represents a different balance between monthly premiums — the amount you pay to maintain your insurance — and out-of-pocket expenses — the costs you're responsible for when accessing health care services.
Bronze plans generally offer the lowest monthly premiums. The premium usually rises as the metal value increases, and the out-of-pocket maximum decreases. The Platinum level has the highest premiums but has significantly lower out-of-pocket costs.
For individuals earning below 250% of the Federal Poverty Line, cost-sharing reductions (CSRs) are available on Silver plans. CSRs lower the amount you have to pay for deductibles, copayments and co-insurance, making health care more accessible and affordable for lower-income individuals.
The most affordable option in the Silver tier for Vermont residents is the MVP VT Plus Reflective Silver 1 plan offered by MVP Health Care, with a monthly cost of $831.
Here are the three most affordable Silver plans:
Silver plans are ideal for individuals and families who expect moderate health care use. They strike a balance between monthly premiums and out-of-pocket costs when care is needed. Customers with lower incomes may qualify for cost-sharing reductions on Silver plans, which lower the amount you have to pay for deductibles, copayments and co-insurance, thus reducing overall health care spending.
| MVP Health Care | $831 | $7,500 | MVP VT Plus Reflective Silver 1 |
| MVP Health Care | $831 | $9,300 | MVP VT Reflective Silver 3 |
| Blue Cross and Blue Shield of Vermont | $832 | $5,500 | BCBSVT Vermont Select Silver CDHP Reflective Plan |
| Blue Cross and Blue Shield of Vermont | $839 | $8,750 | BCBSVT Vermont Preferred Silver Reflective Plan |
| MVP Health Care | $847 | $7,050 | MVP VT Reflective Silver 4 HDHP |
| Blue Cross and Blue Shield of Vermont | $853 | $9,300 | BCBSVT Silver Reflective Plan |
| MVP Health Care | $854 | $5,800 | MVP VT Plus Reflective Silver 2 HDHP |
| Blue Cross and Blue Shield of Vermont | $887 | $7,050 | BCBSVT Silver CDHP Reflective Plan |
| MVP Health Care | $948 | $5,775 | [MVP VT Plus HDHP] Silver 2 |
| MVP Health Care | $950 | $9,300 | [MVP VT] Silver 3 |
| MVP Health Care | $962 | $7,050 | [MVP VT HDHP] Silver 4 |
| Blue Cross and Blue Shield of Vermont | $963 | $5,475 | BCBSVT Vermont Select Silver CDHP Plan |
| Blue Cross and Blue Shield of Vermont | $966 | $8,750 | BCBSVT Vermont Preferred Silver Plan |
| MVP Health Care | $978 | $7,500 | [MVP VT Plus] Silver 1 |
| Blue Cross and Blue Shield of Vermont | $987 | $9,300 | BCBSVT Silver Plan |
| Blue Cross and Blue Shield of Vermont | $997 | $7,050 | BCBSVT Silver CDHP Plan |
The BCBSVT Vermont Preferred Gold Plan from Blue Cross and Blue Shield of Vermont is the most affordable Gold plan in Vermont, with a monthly cost of $1018.
The three most economical Gold health plans in Vermont are:
Gold plans are ideal for individuals who anticipate needing regular medical care and would like to manage their out-of-pocket expenses. These plans often come with higher monthly premiums but significantly lower costs when accessing health care services.
| Blue Cross and Blue Shield of Vermont | $1,018 | $5,150 | BCBSVT Vermont Preferred Gold Plan |
| Blue Cross and Blue Shield of Vermont | $1,023 | $2,850 | BCBSVT Vermont Select Gold CDHP Plan |
| MVP Health Care | $1,054 | $5,600 | [MVP VT] Gold 1 |
| Blue Cross and Blue Shield of Vermont | $1,055 | $5,600 | BCBSVT Gold Plan |
| MVP Health Care | $1,090 | $6,600 | [MVP VT Plus] Gold 2 |
| MVP Health Care | $1,095 | $3,000 | [MVP VT Plus HDHP] Gold 3 |
The BCBSVT Bronze Plan from Blue Cross and Blue Shield of Vermont is the cheapest Bronze tier health insurance plan in Vermont, with a monthly cost of $726.
The most affordable Bronze health plans available in Vermont are:
Bronze plans are typically suited for individuals who want lower monthly premiums while still ensuring they have coverage for major health events. These plans come with higher out-of-pocket costs before insurance kicks in, which makes them a good choice for people who do not expect to need frequent medical care.
| Blue Cross and Blue Shield of Vermont | $726 | $9,450 | BCBSVT Bronze Plan |
| MVP Health Care | $729 | $9,450 | [MVP VT] Bronze 2 |
| MVP Health Care | $735 | $8,400 | [MVP VT Plus] Bronze 1 |
| MVP Health Care | $736 | $9,450 | [MVP VT Plus] Bronze 5 |
| Blue Cross and Blue Shield of Vermont | $736 | $7,500 | BCBSVT Vermont Select Bronze CDHP Plan |
| MVP Health Care | $739 | $7,200 | [MVP VT HDHP] Bronze 3 |
| Blue Cross and Blue Shield of Vermont | $748 | $9,250 | BCBSVT Vermont Preferred Bronze Plan |
| MVP Health Care | $753 | $9,400 | [MVP VT] Bronze 4 |
| Blue Cross and Blue Shield of Vermont | $755 | $9,400 | BCBSVT Bronze Integrated Plan |
| Blue Cross and Blue Shield of Vermont | $761 | $7,200 | BCBSVT Bronze CDHP Plan |
The most affordable Catastrophic plan in Vermont is the BCBSVT Catastrophic Plan from Blue Cross and Blue Shield of Vermont, with a monthly cost of $310 for 26-year-olds.
The two most affordable Catastrophic health insurance plans in Vermont are:
Catastrophic plans are designed for young adults under the age of 30 or those who qualify for a hardship exemption. These plans generally offer low monthly premiums with very high deductibles, making them an economical choice for individuals who expect to have few health issues but want protection against major health care costs.
| Blue Cross and Blue Shield of Vermont | $310 | $9,450 | BCBSVT Catastrophic Plan |
| MVP Health Care | $443 | $9,450 | [MVP Secure] |
The most affordable Platinum plan in Vermont is the MVP VT Platinum 1 from MVP Health Care, with a monthly cost of $1265. The two most affordable Platinum health insurance plans in Vermont are:
Platinum plans cater to customers seeking comprehensive coverage with higher premiums but lower out-of-pocket expenses when accessing health care services. With lower deductibles and copayments, Platinum plans can be particularly suitable for those with ongoing medical conditions or those who wish to minimize their direct health care costs throughout the year.
| MVP Health Care | $1,265 | $1,500 | [MVP VT] Platinum 1 |
| Blue Cross and Blue Shield of Vermont | $1,276 | $1,500 | BCBSVT Platinum Plan |
Cost-sharing reductions (CSRs) are discounts lowering the amount you pay for deductibles, copayments and co-insurance on Silver health insurance plans. To qualify, individuals must earn between 100% and 250% of the Federal Poverty Level.
For example, the standard BCBSVT Silver 73 plan, which has a 73% actuarial value (AV) level, has a maximum out-of-pocket limit of $6,700, compared with $1,000 for the same plan at a 94% AV level — demonstrating significant savings with CSRs.
In Vermont, the Health Maintenance Organization (HMO) plan type is the most popular. The only other available plan type is the Exclusive Provider Organization (EPO).
The most affordable options by plan type in Vermont are:
| MVP Health Care | $831 | $7,500 | MVP VT Plus Reflective Silver 1 |
| MVP Health Care | $831 | $9,300 | MVP VT Reflective Silver 3 |
| MVP Health Care | $847 | $7,050 | MVP VT Reflective Silver 4 HDHP |
| MVP Health Care | $854 | $5,800 | MVP VT Plus Reflective Silver 2 HDHP |
| MVP Health Care | $948 | $5,775 | [MVP VT Plus HDHP] Silver 2 |
| MVP Health Care | $950 | $9,300 | [MVP VT] Silver 3 |
| MVP Health Care | $962 | $7,050 | [MVP VT HDHP] Silver 4 |
| MVP Health Care | $978 | $7,500 | [MVP VT Plus] Silver 1 |
HMO is the most common plan type in Vermont, but EPO is also available. Below is a comparison of these plan types:
**Health Maintenance Organization (HMO): HMOs generally have lower monthly premiums and out-of-pocket costs. They focus on integrated care and preventive services, requiring members to select a primary care physician (PCP) who coordinates their care. Members usually have no coverage for services rendered by out-of-network providers — except for emergencies — and must get referrals from their PCP to see specialists, which can limit flexibility.
Exclusive Provider Organization (EPO): EPOs often blend the flexibility of PPO plans with the cost savings of HMO plans. Members do not need referrals for specialists and have access to a local network of doctors and hospitals. There is typically no coverage for out-of-network care except in emergencies, which can be limiting if a member travels often or wants a wider selection of care providers.
Health insurance rates and availability of certain plans vary by county in Vermont. MoneyGeek found that the cheapest Silver plans in Chittenden and Essex — the least and most-populated counties in the state, respectively — cost the same:
The following table displays all available plans in each county in Vermont.
| MVP Health Care | $831 | $9,300 | MVP VT Reflective Silver 3 |
| MVP Health Care | $831 | $7,500 | MVP VT Plus Reflective Silver 1 |
Vermont has many health insurance options available to meet your health care needs. This includes private insurance plans in the marketplace categorized by metal tiers — Bronze, Silver, Gold, Platinum and Catastrophic — as well as government programs like Medicaid and Medicare.
Vermont's open enrollment period runs from November 1 to January 15 each year. During this time, Vermont residents can shop for private health insurance coverage through the state marketplace or change an existing plan. Coverage for plans selected during this period starts on January 1 of the following year or on February 1, depending on when you enroll. If you miss the open enrollment deadline, you may have to wait until the next open enrollment period unless you qualify for special enrollment due to life events like marriage or childbirth. Some plans, including the cheapest Silver plans, can only be purchased directly through the insurance companies and not on the marketplace.
Medicaid is a joint federal and state program designed to provide low-income individuals and families with health care coverage. Vermont Medicaid covers a wide range of services, including doctor visits, hospital stays, prescription medications and preventive care. Eligibility depends on income and other factors. Through collaborative efforts with health care providers and community organizations, Vermont Medicaid strives to improve health outcomes and enhance the quality of life for those who rely on its services.
Medicare is a federal health insurance program primarily for individuals aged 65 or older, but it's also available to certain younger people with disabilities and individuals with End-Stage Renal Disease. In Vermont, residents who are U.S. citizens or legal permanent residents for at least five continuous years are eligible. Medicare consists of different parts: Part A covers inpatient hospital care, skilled nursing facility care, hospice and home health services. Part B covers outpatient care, preventative services, doctor’s services and medical supplies. Part C, or Medicare Advantage, is an alternative to Original Medicare (Part A and B), offering additional benefits. Part D provides prescription drug coverage.
MoneyGeek found the best Medicare Advantage Plans in Vermont and the best Medicare Supplement plans in Vermont for those seeking more comprehensive coverage.
When looking for health insurance, you may have questions about cost and availability. MoneyGeek responded to frequently asked questions about cheap private health insurance in Vermont to help you learn more.
The cheapest silver plan in Vermont for this year is the MVP VT Plus Reflective Silver 1, provided by MVP Health Care, with a monthly cost of $831. The cheapest gold plan in Vermont is the BCBSVT Vermont Preferred Gold Plan, offered by Blue Cross and Blue Shield of Vermont, at $1018 per month.
Although you'll pay a lower monthly premium for a cheap health insurance plan, you may pay higher out-of-pocket costs when accessing health care services. More expensive plans cover more comprehensive services and considerably lower your out-of-pocket maximums.
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!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.
