ACA Marketplace plans in Vermont

Looking for ACA marketplace health insurance in Vermont? Here is how this coverage lane works specifically for Vermont residents, what it costs, and how to get it.

Vermont residents buy ACA Marketplace plans through Vermont Health Connect. These are comprehensive plans that cover the ten essential health benefits, cannot deny you for a pre-existing condition, and are the only plans eligible for income-based premium tax credits.

Because Vermont runs a state-based marketplace, you enroll at Vermont Health Connect. Plans and prices are set at the county level across Vermont's 14 counties, so two neighbors in different counties can see different options.

Vermont expanded Medicaid, so if your income is low you may qualify for Medicaid instead of a subsidized plan — the Marketplace will tell you when you apply.

Vermont runs a state-based marketplace (Vermont Health Connect). Residents should enroll through Vermont Health Connect, and plan menus are set at the county level across 14 counties.

Because Vermont expanded Medicaid, a marketplace application may route lower-income adults to Medicaid instead of a subsidized private plan — that is usually good news for cost.

With an approximate uninsured rate near 3.5% and a population of about 0.7 million, Vermont shoppers should re-check subsidies each year as income and household size change.

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Frequently asked questions

When is Open Enrollment in Vermont?
Vermont follows Marketplace Open Enrollment in late fall for coverage starting January 1; Vermont Health Connect may set slightly different dates. A qualifying life event opens a Special Enrollment Period any time of year.
Are Vermont Marketplace plans subsidized?
Yes — premium tax credits are available based on your income and household size, and many enrollees pay under $100/month.
Do I use HealthCare.gov or a state site in Vermont?
Vermont uses Vermont Health Connect, its state-based marketplace — not HealthCare.gov — for enrollment and most subsidy screening.

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