Vermont Insurers Raise 2027 Gold Plan Premiums by Up to 14%
Enrollment for 2027 coverage runs through December 15, a month shorter than the previous cycle, as federal subsidies expire.
By Rafael Delgado ·
Blue Cross Blue Shield of Vermont increased the monthly price for a one-adult Gold Plan by 14% for the 2027 coverage year. The cost rises from $1,219.41 in 2025 to $1,391 before subsidies. This jump marks the highest increase among major Vermont insurers for that specific tier.
MVP Health Care raised its comparable Gold Plan by nearly 4%. The monthly premium climbs from $1,145 to $1,188. State officials state that most enrollees qualify for financial assistance that reduces these costs based on age, income, and health status.
The premium hikes follow the expiration of enhanced federal tax credits at the end of 2025. Congress allowed these credits, which aided single individuals earning over $63,000 annually, to lapse. As a result, enrollment in marketplace plans dropped to approximately 28,500 for 2026. State data indicates that the income bracket previously covered by these credits lost coverage at a higher rate than any other group.
Mike Fisher, a Vermont Health Care Advocate, noted that many individuals above the subsidy limits could not afford to maintain coverage. He explained that when healthier individuals leave the market, the remaining pool of insured residents becomes more expensive to cover. Fisher also cited the high cost of medical care in Vermont as a primary driver for rising premiums.
Consumer behavior has shifted toward lower-cost options. Fisher estimates that twice as many Vermonters selected Bronze Plans in the most recent year. These plans feature lower monthly premiums but higher deductibles. Fisher warned that some residents pay their premiums but struggle to afford necessary medical services due to high out-of-pocket costs.
The open enrollment period for 2027 coverage ends on December 15. This deadline is one month earlier than the previous year, reducing the time available for consumers to seek assistance. Fisher advised residents to contact helplines immediately to avoid longer wait times as the deadline approaches.
Enrollment is available through Vermont Health Connect for qualified health and dental plans. The Department of Vermont Health Access encourages users to utilize its online plan comparison tool to identify coverage options. The state also announced benefit changes for specific noncitizen and immigrant groups this year.
