Vermont
Cheapest ACA plans in White River Junction, Vermont for 2026
Plan year 2026, last refreshed 2026-04-19T08:08:55.462Z.
White River Junction is in Windsor County, Vermont. 2 carriers sell 2026 ACA plans on Vermont Health Connect for residents of Windsor 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 Windsor County, including White River Junction.
Cheapest plans by metal tier
Lowest 2026 monthly premium at any age for White River Junction residents (Windsor 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 Windsor 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 White River Junction
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 White River Junction
2 carriers sell 2026 plans on Vermont Health Connect for Windsor County residents. 36 plans total in Windsor County.
| Carrier | On-exchange plans |
|---|---|
| Blue Cross and Blue Shield of Vermont | 14 |
| MVP Health Plan, Inc. | 13 |
What you'll actually pay in White River Junction
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 Windsor 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 White River Junction, 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. White River Junction is in Windsor County, Vermont; carriers are licensed and rated at the county level. Data refreshed 2026-04-19T08:08:55.462Z.
How does White River Junction's 2026 ACA pricing compare to other Vermont cities?
Cheapest Bronze for all ages in White River Junction is $824 per month before subsidies. For comparison: Burlington at $824/mo; Barton at $824/mo; Colchester at $824/mo. Different cities can have different cheapest plans because plans are sold per county and carrier participation varies by jurisdiction.
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
- Statewide Vermont pricing and metal tiers
- Burlington pricingcheapest Bronze $824/mo
- Barton pricingcheapest Bronze $824/mo
- Colchester pricingcheapest Bronze $824/mo
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.