Compare 2026 health insurance in Vermont. Vermont Health Connect, top carriers, metro networks, and a Vermont-licensed agent — free.
We are not a Vermont state agency, not HealthCare.gov, and not affiliated with any government marketplace. Health Enrollment Center is operated by Sprinter Insurance Agency LLC.
Vermont runs its own marketplace, Vermont Health Connect — not HealthCare.gov. About 30,000 residents enroll through it. It's one of the smallest and most concentrated markets in the country, with just two carriers, so the decision is less about breadth of choice and more about matching a plan to the systems you use.
The 2026 carriers are Blue Cross Blue Shield of Vermont and MVP Health Care. Care statewide runs largely through the University of Vermont Health Network, anchored by UVM Medical Center in Burlington and Central Vermont Medical Center near the capital, with Northwestern Medical Center serving the St. Albans area. Many Vermonters also cross into New Hampshire (Dartmouth) or New York for specialty care.
We're licensed in Vermont and enroll people directly through Vermont Health Connect. Below is how coverage works here, plus the areas and situations we help with most — the self-employed, families, and early retirees paying their own way above the Medicaid line.
Vermont runs its own exchange, Vermont Health Connect, on its own platform — not HealthCare.gov.
Vermont expanded Medicaid (with Dr. Dynasaur for children) up to 138% of the poverty line, which sets the income floor below which marketplace subsidies are unavailable.
These companies offer individual and family health plans in Vermont. We're an independent agency, not an insurance company, and we don't offer every plan available here. Tell us which doctors and hospitals matter to you and we'll show you what we can quote.
Bronze, Silver, Gold and Platinum plans that cover all ten essential health benefits — with premium tax credits for about 4 in 5 enrollees.
Explore →Just got a COBRA letter? Losing job-based coverage opens a 60-day Special Enrollment Period — and because COBRA carries no employer contribution and no premium tax credit, the alternative is often much cheaper.
Explore →Freelancers, contractors, gig workers and small-business owners — coverage that isn't tied to an employer, and may be tax-deductible.
Explore →Plans that scale with your household — pediatric dental and vision included, with networks that keep your kids' doctors in-network.
Explore →Retired before 65? Bridge the gap to 65 without paying retiree-plan or COBRA prices.
Explore →Don't see yours? Call a licensed agent — most answers take under two minutes.
No. Vermont runs its own marketplace, Vermont Health Connect. We're licensed in Vermont and enroll you there directly, at no extra cost, and can also show you private off-exchange options it doesn't list.
For lower incomes it's often no-cost Medicaid; above that line, a subsidized Vermont Health Connect plan is usually cheapest after the premium tax credit. We compare both carriers for your exact ZIP and income.
No. Vermont law limits any such plan to three months with no renewals, and in practice none are sold here. For a coverage gap we'll look at a Vermont Health Connect plan or a special enrollment period instead.
No. We're a licensed insurance agency paid by the carriers, not by you. The premium of any plan is identical whether you enroll through us or directly with the insurer — you just also get an agent who handles renewals and claims questions.
No. Health Enrollment Center is a brand operated by Sprinter Insurance Agency LLC, a private licensed insurance agency. We are not HealthCare.gov, not a state exchange, and not affiliated with any government agency. We help you enroll in marketplace plans when they're the best fit, and we also show private plans the marketplace doesn't carry.
Start with your ZIP. Two quick questions, then a licensed agent brings you the plans you actually qualify for — no cost, no obligation.