Vermont · ACA Marketplace plans
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.
Facts on this page checked Jan 15, 2026. Sources are listed at the end.
How it works here
ACA Marketplace plans, explained for Vermont.
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.
Vermont facts
- Marketplace
- Vermont Health Connect
- Medicaid expansion
- Adopted
- Uninsured rate
- ~3.5%
Open enrollment 2027
When Vermont can enroll.
- Opens
- Nov 1, 2026
- Sun
- For Jan 1 coverage
- Check the exchange
- Vermont Health Connect sets this date
- Last day to enroll
- Not confirmed
- One source says Dec 28. Confirm with Vermont Health Connect.
Vermont runs its own exchange. These dates come from a secondary source (healthinsurance.org, Aug 2026). Confirm with Vermont Health Connect before you rely on a date. Outside this window, a qualifying life event (a move, a new baby, losing other coverage) can open a Special Enrollment Period.
Medicare is different.Medicare’s annual enrollment runs Oct 15 to Dec 7, 2026. For Medicare help, visit our sister site OLYRON Medicare or Medicare.gov.
Dates checked Oct 15, 2026. Sources: HealthCare.gov: dates and deadlines; CMS statement, Jul 27, 2026.
More in this state
Other coverage in Vermont.
- Health sharingMember-funded medical cost sharing — not insurance.
- Short-term plansTemporary coverage to bridge a gap — limited benefits.
- MedicareOriginal Medicare, Advantage, and Medigap for 65+ and eligible.
- MedicaidFree or low-cost coverage based on income and household.
- DentalStandalone and bundled dental coverage options.
- VisionEye exams, glasses, and contacts coverage.
- TelehealthVirtual primary and urgent care memberships.
Questions
Good questions, short answers.
When is Open Enrollment in Vermont?
Vermont runs its own exchange, Vermont Health Connect. Open Enrollment for 2027 coverage opens Nov 1, 2026; the closing date is not confirmed (One source says Dec 28. Confirm with Vermont Health Connect.), according to a secondary source; confirm the dates with Vermont Health Connect. A qualifying life event (a move, a new baby, losing other coverage) opens a Special Enrollment Period at other times 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.
Sources
- HealthCare.gov — the official ACA Health Insurance Marketplace · reviewed 2026-01-15
- CMS Center for Consumer Information & Insurance Oversight (marketplace types) · reviewed 2026-01-15
- OLYRON HealthMatch editorial methodology — how we source and rate options · reviewed 2026-01-15
Before the rush
Ready to see plans in Vermont?
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