Private and PPO health plans in Vermont
Private plans are bought directly from insurers, year-round. We compare Ameristead PPO plans on the Cigna PPO network ($0 preventive care, $0 teledoctor), UnitedHealthOne and First Health fixed indemnity. Call (813) 724-3314 (Mon–Sat 8 AM–9 PM ET) or get a free quote; no fee for our help.
Vermont health insurance facts for 2027
| Marketplace | Vermont Health Connect (state-run) |
|---|---|
| 2027 enrollment | Nov. 1 – Dec. 28; Dec. 15 for Jan. 1 (source) |
| Benchmark, age 40 | $1,313/mo (+$14, +1.1%; KFF) |
| State insurance department (questions and consumer help) | Vermont Department of Financial Regulation |
Marketplace enrollment in Vermont
Vermont runs its own exchange, Vermont Health Connect, one of 22 State-based Exchanges CMS lists for 2027, so residents apply there rather than on HealthCare.gov. The Department of Vermont Health Access says open enrollment for 2027 plans starts November 1 and ends December 28, but only Vermonters who enroll by December 15 have coverage starting January 1, 2027 (source).
2027 Marketplace premiums in Vermont
KFF: $1,313 a month for a 40-year-old before subsidies, up from $1,299 (+$14, +1.1%). That is $610 above the U.S. average ($703); the highest of 50 states. Its 1.1% rise ranks 49th-highest (U.S.: +12.5%).
| Tier | 2026 | 2027 |
|---|---|---|
| Bronze (lowest) | $824 | $859 |
| Silver (lowest) | $1,289 | $1,299 |
| Benchmark silver | $1,299 | $1,313 |
| Gold (lowest) | $1,135 | $1,188 |
Neighbors (2027 benchmark, change): New York $1,041 (+27.4%); New Hampshire $486 (+21.2%); Massachusetts $551 (+11.5%).
Benchmark history (KFF): 2014 $413 · 2018 $505 · 2022 $749 · 2024 $950 · 2025 $1,277 · 2026 $1,299 · 2027 $1,313. That is +218% since 2014.
Research averages, not quotes; changes calculated by us. Full table: cost index.
Coverage in Vermont: enrollment, insurers, Medicaid
Marketplace plan selections grew 14% from 2022 to 2026, and fell 7.7% from 2025 to 2026.
| Year | Plan selections | Insurers |
|---|---|---|
| 2026 | 30,344 | 2 |
| 2025 | 32,862 | 2 |
| 2024 | 30,027 | 2 |
| 2023 | 25,664 | 2 |
| 2022 | 26,705 | 2 |
2024 coverage mix (KFF, Census data): uninsured 4.3% (U.S. 8.2%); employer 49.3%; Medicaid 19.5%; Medicare 18.9%; individual 6.7%.
Medicaid expansion: adopted, implemented 1/1/2014 (KFF). Medicaid income limits as of January 2026 (KFF): 138% of the federal poverty level for parents in a family of three, 138% for other adults.
Getting help in Vermont
We help clients by phone and video in Burlington, South Burlington, Rutland and statewide.
Frequently asked questions
Does Vermont use HealthCare.gov?
No. Vermont has its own state-based Marketplace, Vermont Health Connect (https://healthconnect.vermont.gov/), listed by CMS among the State-based Exchanges for plan year 2027.
When is 2027 open enrollment in Vermont?
The Department of Vermont Health Access says open enrollment for 2027 plans starts November 1 and ends December 28, but only Vermonters who enroll by December 15 have coverage starting January 1, 2027.
Sources (checked November 11, 2026)
- Vermont Health Connect: open enrollment
- Vermont Department of Financial Regulation
- KFF State Health Facts, CMS and HealthCare.gov pages, linked beside each figure above
Plan availability and eligibility are determined by the carrier.