Health insurance brokers in Vermont

• Dec 282026, the last day of open enrollment on Vermont Health Connect for 2027
• 2.2 and 3.9percent, the average 2027 individual increases approved for Vermont's two carriers
• $0what it costs you to have a broker walk through your Vermont options

One price at every age, for now

Vermont has been one of only two states that ban age based pricing, and plans here also cost the same anywhere in the state. That is a real advantage if you are in your fifties or early sixties, and a real cost if you are young and healthy, because you pay the same rate as everyone else.

That may change. In July 2026 Governor Phil Scott issued an executive order directing the Department of Financial Regulation to plan rules that would let insurers vary premiums partly by age, reported as up to 20 percent above or below the age neutral rate. The state's health care advocate warned it would raise costs for older Vermonters to lower them for younger ones. Nothing about it changes 2027 prices, which have already been approved, but if you are older and on the edge of buying coverage, this is a market where waiting is not obviously free.

Two carriers, and a long run of high prices

Only two carriers sell on Vermont Health Connect: Blue Cross Blue Shield of Vermont and MVP. The Green Mountain Care Board approved average 2027 individual increases of 2.2 percent for Blue Cross and 3.9 percent for MVP, well below what either asked for. That is a welcome change. The state's Office of the Health Care Advocate calculates that individual premiums have compounded to 74.6 percent more expensive since 2021, and in 2026 Vermont had some of the highest marketplace premiums in the nation.

30,344 Vermonters picked a private plan through Vermont Health Connect for 2026, down from a decade high in 2025. The people who did enroll held on to their coverage. KFF found Vermont was one of five states where 95 percent or more of open enrollment plan selections were still in force in February 2026. Children can often get coverage through Dr. Dynasaur, Vermont's Medicaid program for kids, which takes applications all year. That is worth checking first for any family.

Open enrollment dates for 2027 coverage in Vermont

Vermont runs its own exchange, so Vermont Health Connect sets its own calendar, and for 2027 it is shorter than the January windows in neighbouring states. Open enrollment for 2027 is open now.

• November 1, 2026Open enrollment for 2027 began on Vermont Health Connect
• December 15, 2026Enroll by this date for coverage starting January 1, 2027
• December 28, 2026Last day to enroll, for coverage starting February 1, 2027

Some national guides still list January 15 for Vermont, so confirm the date on Vermont Health Connect, and plan around December 28. Outside that window you need a qualifying life event, such as losing job based coverage, marriage, a new baby, or a move. Vermont also counts pregnancy as a reason to enroll, though not to switch an existing plan.

Every 2027 change in Vermont, carrier by carrier →

How to choose a health insurance broker in Vermont

Anyone can put "broker" on a website. These are the questions that separate the real ones, and you can ask every one of them in a five minute phone call.

1. Verify the license before anything else

   Ask for the license number and the NPN, then look them up yourself. Vermont agents can be checked through the Vermont Department of Financial Regulation license verification, and every agent in the country is searchable through the NAIC lookup. An agent who hesitates to give you those numbers has told you everything you need to know. Mine are on this page and on my license page.

2. Ask whether they are independent or captive

   A captive agent works for one insurance company and can only sell you that company's plans. An independent broker is appointed with many carriers and compares across them. Neither is dishonest, but only one of them can tell you when a competitor has the better plan for you.

3. Ask what it costs, and be suspicious of any answer other than nothing

   Brokers are paid by the insurance carriers. The premium is identical whether you enroll through a broker, on your own, or directly with the carrier. Nobody should charge you a fee to enroll you in an individual marketplace plan.

4. Ask how many carriers they can actually quote

   "We shop the whole market" is a slogan until someone puts a number on it. Ask which carriers they are appointed with in Vermont, and ask them to show you the comparison rather than describe it.

5. Ask whether they will still be there in March

   Plenty of agents are enthusiastic in December and unreachable in the spring, which is exactly when a claim gets denied or a doctor turns out to be out of network. Ask who you call when something goes wrong. The answer should be a person, not a call center.

6. Read the reviews, and look at the dates

   A handful of genuine reviews spread over time tells you more than a wall of them that all landed in the same week. Mine are on my Google profile and they arrived one at a time, from clients who agreed to write one.

What working with me looks like

You tell me your ZIP code, who needs coverage, and roughly what you expect to earn this year. I check whether you are likely to qualify for financial help, then walk you through the options that fit, including coverage sold outside the state exchange. If a plan through the state exchange is the right answer for you, I will say so plainly and point you to a certified helper there, since that is the door to any subsidy. For coverage I can place directly, I handle the enrollment paperwork and stay your point of contact afterward.

Most first conversations take about ten minutes. There is no cost and no obligation, and I am not going to pressure you into a plan, because a client who was pushed into the wrong coverage is a client who leaves.

Where I work in Vermont

Statewide. Most of my work happens over the phone or a video call, so where you are in Vermont changes nothing about the process.

• Burlington
• South Burlington
• Colchester
• Rutland
• Essex Junction
• Bennington
• Brattleboro
• Milton
• Hartford
• Williston
• Springfield
• Barre
• Montpelier
• St. Albans
• Winooski
• Middlebury
• St. Johnsbury
• Newport
• Stowe

I am also licensed in every other state, so if you are moving or splitting time between two states, that usually is not a problem either.

Who I help most in Vermont

According to the U.S. Census Bureau, 4.2 percent of people in Vermont had no health insurance in 2024, below the national rate of 8.2 percent.

Individuals and families buying their own coverage, self employed people and 1099 contractors, farmers and small business owners, people who just lost employer coverage, and early retirees bridging the gap to Medicare. In Vermont I spend a lot of time with people in their fifties and early sixties, who get the most out of the state's single price rule and have the most to watch as it is reviewed.