MVP Health Care provides the cheapest health insurance in Vermont, with an average monthly premium of $929. Availability may vary, so consider Blue Cross and Blue Shield of Vermont for affordable health plans.
Most Affordable Health Insurance in Vermont
Updated: June 10, 2025
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Key Takeaways
MVP Health Care provides Vermont's most affordable health insurance, saving policyholders an average of $228 per month compared to the state average.
MVP Health Care provides the best full coverage Platinum plans, with rates starting at $1,367 per month.
Finding the cheapest health insurance starts with selecting a coverage level within your budget, checking your subsidy eligibility and comparing plans from several companies.
Most Affordable Health Insurance Companies in Vermont
| MVP Health Care | $929 | $228 |
| Blue Cross and Blue Shield of Vermont | $1,004 | $153 |
*These plans reflect rates for 40-year-olds who aren't considered low-income.
Cheapest Vermont Health Insurance Plans by Profile
While we've summarized the cheapest companies for most in Vermont, the most affordable plan for you will differ widely depending on your desired coverage tier and age. Below are the cheapest companies by category for most in the area:
- Cheapest for Young Adults: MVP Health Care ($919 monthly)
- Cheapest for Seniors: MVP Health Care ($919 monthly)
- Cheapest Bronze Plan: MVP Health Care ($808 monthly)
- Cheapest Silver Plan: MVP Health Care ($919 monthly)
- Cheapest Gold Plan: MVP Health Care ($1,139 monthly)
- Cheapest Full Coverage (Platinum Plan): MVP Health Care ($1,367 monthly)
While these are a good measure of the most affordable plans, they only represent the cheapest for 40-year-olds (26-year-olds for young adults and 60 for seniors), and your cheapest company and plan may differ for your profile. So below, we've created a filterable table that you can modify by plan tier and age to find your lowest rate match.
Data filtered by:Results filtered by:
Select
Plan Level:Silver
Select
Age:40
| MVP Health Care | MVP VT Plus Reflective Silver 1 | $919 | $239 | $7,600 |
Cheapest Health Insurance Plans by County in Vermont
MVP Health Care is the cheapest provider overall and is also the most affordable and widely available for Silver plans in most counties. Below, you can review which company and plan are most affordable in your area.
| Addison | MVP Health Care | $831 | MVP VT Plus Reflective Silver 1 |
| Bennington | MVP Health Care | $831 | MVP VT Reflective Silver 3 |
| Caledonia | MVP Health Care | $831 | MVP VT Reflective Silver 3 |
| Chittenden | MVP Health Care | $831 | MVP VT Reflective Silver 3 |
| Essex | MVP Health Care | $831 | MVP VT Reflective Silver 3 |
| Franklin | MVP Health Care | $831 | MVP VT Plus Reflective Silver 1 |
| Grand Isle | MVP Health Care | $831 | MVP VT Plus Reflective Silver 1 |
| Lamoille | MVP Health Care | $831 | MVP VT Plus Reflective Silver 1 |
| Orange | MVP Health Care | $831 | MVP VT Reflective Silver 3 |
| Orleans | MVP Health Care | $831 | MVP VT Reflective Silver 3 |
| Rutland | MVP Health Care | $831 | MVP VT Plus Reflective Silver 1 |
| Washington | MVP Health Care | $831 | MVP VT Reflective Silver 3 |
| Windham | MVP Health Care | $831 | MVP VT Reflective Silver 3 |
| Windsor | MVP Health Care | $831 | MVP VT Plus Reflective Silver 1 |
How to Find the Cheapest Health Insurance in Vermont
Follow these steps to find affordable health insurance in Vermont:
- 1
Determine coverage plan needs and affordability
Your coverage plan type and tier will differ widely depending on your personal health circumstances and income. Calculate how much income you can set aside for monthly premiums, considering your current health and risk for injury or disease based on location, age and lifestyle.
- 2
Find out your subsidy eligibility
People earning between $14,580 and $54,000 may qualify for premium tax credits, reducing costs by 40% to 100%. Those with incomes below 250% of the Federal Poverty Level ($36,450) can access cost-sharing reductions, decreasing out-of-pocket expenses up to 73%.
- 3
Consider federal programs for eligible age groups
If you're of suitable age, explore Medicare Advantage plans and Medicare Supplement plans. These plans may offer more affordable and flexible alternatives to traditional plans.
- 4
Review prescription formularies
Check insurers' prescription coverage for medications you regularly take. Choosing plans with lower-tier placements and reduced copays for your medications can optimize savings and ensure consistent and affordable access to necessary prescriptions, saving you hundreds of dollars each year.
- 5
Compare plans during Open Enrollment
Open Enrollment runs from November 1 to January 15, or you may qualify for Special Enrollment if you've experienced life changes like job loss or having a child. When selecting plans, consider the types of coverage, customer ratings, costs and compatibility with medical providers.
MONEYGEEK TIP: MAKE SURE TO APPLY PROMPTLY
To avoid technical issues, apply for coverage at least five days before the enrollment deadline. Prepare your income verification, Social Security numbers and immigration documents to ensure a smooth application process.
Most Affordable Health Insurance in Vermont: Bottom Line
MVP Health Care and Blue Cross and Blue Shield of Vermont are the state's most affordable health insurance companies. While we recommend these affordable options, you should compare as many plan types and tier quotes as possible from multiple companies to get the best deal.
Cheap Vermont Health Insurance: FAQ
Below are frequently asked questions about finding affordable health insurance in Vermont:
What is the cheapest health insurance in Vermont?
MVP Health Care offers the cheapest health insurance in Vermont, with Silver plans starting at $929 for 40-year-olds. Blue Cross and Blue Shield of Vermont is another provider worth considering for your insurance needs.
What are the downsides of a cheap health insurance plan?
Compared to higher-priced plans, cheap health insurance has higher out-of-pocket costs, including deductibles and copays. More expensive plans reduce out-of-pocket expenses and offer more extensive health care coverage.
How We Decided the Cheapest Health Insurance Companies in Vermont
MoneyGeek obtained data directly from the Centers for Medicare and Medicaid Services (CMS) on available health insurance plans in Vermont based on consumers aged 18, 26, 40, 50 and 60.
We considered the cheapest overall to be those with the lowest monthly premium costs for 40-year-olds, as most in the state are near this age demographic, and for simplicity. However, cheaper plans tend to have higher out-of-pocket maximums and deductibles, meaning you may pay more if you receive care.
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.