Vermont
Cheapest ACA plans in Burlington, Vermont for 2026
Plan year 2026, last refreshed 2026-04-19T08:08:55.462Z.
Burlington is in Chittenden County, Vermont. 2 carriers sell 2026 ACA plans on Vermont Health Connect for residents of Chittenden County, and the cheapest Bronze plan all ages can enroll in starts at $824/month before any subsidy. Carriers are licensed and rated at the county level, so the plans below cover everyone in Chittenden County, including Burlington.
Cheapest plans by metal tier
Lowest 2026 monthly premium at any age for Burlington residents (Chittenden 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 Chittenden 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 Burlington
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 Burlington
2 carriers sell 2026 plans on Vermont Health Connect for Chittenden County residents. 36 plans total in Chittenden County.
| Carrier | On-exchange plans |
|---|---|
| Blue Cross and Blue Shield of Vermont | 14 |
| MVP Health Plan, Inc. | 13 |
What you'll actually pay in Burlington
Estimated monthly net premium for the cheapest Bronze plan above ($824/mo before subsidy) on Vermont Health Connect, after federal APTC and Vermont Premium Assistance. APTC is computed against the Chittenden Countybenchmark Silver per 26 USC §36B. Approximate; exact net varies by plan's EHB% and child-rate structure.
Single 40-year-old
| Annual income | FPL % | Federal APTC | State subsidy | Cheapest Bronze net |
|---|---|---|---|---|
| $25,000 | 160% | $1,202/mo | $31.25/mo | $0/mo |
| $40,000 | 256% | $1,012/mo | $50/mo | $0/mo |
| $60,000 | 383% | $801/mo | $75/mo | $0/mo |
| $100,000 | 639% | — | $125/mo | $699/mo |
Family of 4 (two 40-year-olds, two children)
| Annual income | FPL % | Federal APTC | State subsidy | Cheapest Bronze net |
|---|---|---|---|---|
| $40,000 | 124% | — | $50/mo | Medicaid likely |
| $80,000 | 249% | $3,247/mo | $100/mo | $0/mo |
| $130,000 | 404% | — | $162.5/mo | $2,253/mo |
| $200,000 | 622% | — | $250/mo | $2,165/mo |
FPL = Federal Poverty Level. APTC = Advance Premium Tax Credit (the federal subsidy). Off-exchange and Catastrophic plans are not APTC-eligible. Enter your real income on the home page to see plan-specific net premium with the per-plan EHB-percent cap applied.
Frequently asked questions
What is the cheapest ACA plan in Burlington, 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. Burlington is in Chittenden County, Vermont; carriers are licensed and rated at the county level. 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. Full pricing pipeline + regulatory references at methodology; ACA terminology in the glossary.