Vermont
Cheapest ACA plans in Addison County, Vermont for 2026
Plan year 2026, last refreshed 2026-04-19T08:08:55.462Z.
Addison County, Vermont has 2 on-exchange carriers offering 27 plans for 2026. The cheapest Bronze plan a 40-year-old can enroll in is MVP Health Plan, Inc. FRVT-HMO-B-005-N (2026) at $824 per month before subsidies.
Cheapest plans by metal tier
Lowest 2026 monthly premium at any age in Addison County, on-exchange, before any subsidy. Vermont uses community rating so a single person pays the same price regardless of age (per 45 CFR 147.102 age variations do not apply here).
| Tier | Cheapest any age monthly | Plans in Addison County |
|---|---|---|
| Catastrophic | $400 | 2 |
| Expanded Bronze | $824 | 9 |
| Bronze | $831 | 1 |
| Gold | $1,145 | 5 |
| Silver | $1,289 | 8 |
| Platinum | $1,366 | 2 |
The actual cheapest Bronze plan in Addison County
MVP Health Plan, Inc. FRVT-HMO-B-005-N (2026)
$824/moFor a family of four (two 40-year-olds and two kids under 14): MVP Health Plan, Inc. FRVT-HMO-B-005-N (2026) at $2,415/month before subsidies.
Carriers selling 2026 plans in Addison County
2 carriers sell 2026 plans on Vermont Health Connect. 36 plans total in this county.
| Carrier | On-exchange plans |
|---|---|
| Blue Cross and Blue Shield of Vermont | 14 |
| MVP Health Plan, Inc. | 13 |
Frequently asked questions
What is the cheapest ACA plan in Addison County, Vermont for 2026?
The cheapest Bronze plan all ages can enroll in is MVP Health Plan, Inc. FRVT-HMO-B-005-N (2026) at $824 per month before subsidies. Plans sell through Vermont Health Connect. Data refreshed 2026-04-19T08:08:55.462Z.
Why does a 25-year-old and a 60-year-old pay the same premium in Vermont?
Vermont is one of only two states (with New York) that prohibits age-based premium variation in the individual marketplace. Under 33 V.S.A. § 1811, carriers must use a community-rating method and cannot rate on age, gender, or health status. Rates depend on the plan and the carrier, not the enrollee's age.
Do Vermont plans charge more if I use tobacco?
No. Vermont's community-rating framework does not allow a tobacco surcharge. Unlike most states, where carriers can charge tobacco users up to 50% more, Vermont tobacco users pay the same rate as non-users for the same plan.
What is Vermont Premium Assistance and how is it different from the federal tax credit?
Vermont Premium Assistance (VPA) is a state-funded subsidy on top of federal APTC. If your household income is at or below 300% FPL and you qualify for federal APTC, Vermont reduces your § 36B applicable percentage by 1.5 percentage points. VPA is codified at 33 V.S.A. § 1812 and applies automatically when you enroll through Vermont Health Connect.
More Vermont pricing
Sources
- Vermont Health Connect for SBE enrollment, OEP dates, and 2026 eligibility thresholds.
- 33 V.S.A. § 1811: Health benefit plans for individuals and small employers for community rating and prohibited risk-classification factors.
- 33 V.S.A. § 1812: Premium assistance; cost-sharing assistance for Vermont Premium Assistance and Enhanced Silver CSRs.
- 8 V.S.A. § 4080g: Registered nongroup carriers; community rating for the underlying community-rating framework and risk-classification cap.
Plan year 2026, last refreshed 2026-04-19T08:08:55.462Z. Methodology and full data attribution at about.