Medicare in Vermont: 2026 Plans, Costs, and Enrollment Guide
- 3 Medicare Advantage plans available statewide (Vermont: 14 counties; CMS 2026 Fact Sheet)
- 11 Medigap carriers offering Plan G (TPP rate database, CY2026)
- 11 standalone Part D plans in PDP Region 2 (CT/MA/RI/VT)
- Avg MA premium $0.00/mo in 2026 (was $22.41 in 2025) (CMS 2026 Fact Sheet)
- LIS benchmark: $35.76/mo (Region 2)
Vermont Medicare Snapshot
Vermont has 3 Medicare Advantage plans available statewide for 2026 (CMS 2026 Medicare MA & Part D Landscape State-by-State Fact Sheet), with the specific plans offered varying by county within Vermont’s 14 counties. Most Vermont Medigap policies are attained-age rated.
The average monthly MA premium in Vermont is $0.00 in 2026 (changed from $22.41 in 2025; CMS 2026 Fact Sheet). The standard Medicare Part B premium is $202.90/month in 2026.
| Metric | Vermont 2026 | Source |
|---|---|---|
| MA plans available | 3 statewide (Vermont: 14 counties) | CMS 2026 MA & Part D Landscape Fact Sheet |
| Avg MA premium | $0.00/mo (2025: $22.41) | CMS 2026 MA & Part D Landscape Fact Sheet |
| Medigap carriers (Plan G) | 11 (most carriers use attained-age) | TPP internal data, CY2026 |
| HDG carriers | 0 (most carriers use attained-age) | TPP internal data, CY2026 |
| Standalone Part D plans | 11 (PDP Region 2 — CT/MA/RI/VT) | CMS 2026 MA & Part D Landscape Fact Sheet |
| Part D LIS benchmark (Region 2) | $35.76/mo | CMS CY2026 Regional Rates & Benchmarks |
Plan Types Available in Vermont
Medicare Advantage (Part C)
Vermont offers 3 Medicare Advantage plans statewide for 2026 (CMS 2026 Fact Sheet). Top MA carriers include Humana (the only MA carrier currently in the Vermont market). Check Medicare Plan Finder for per-plan star ratings in your county.
Medigap (Medicare Supplement)
Vermont uses the standard federal Medigap plan letters (A, B, C, D, F, G, K, L, M, N, plus HDG and HDF). 11 carriers offer Plan G in Vermont in the TPP rate database (CY2026, non-tobacco, ages 65–85). Plans C, F, and High-Deductible Plan F (HDF) are closed to anyone who first became Medicare-eligible on or after January 1, 2020 (under MACRA 2015); beneficiaries who were Medicare-eligible before that date may still buy Plans C, F, or HDF from carriers that continue to offer them. High-Deductible Plan G (HDG) is the post-2020 high-deductible Medigap option and is offered by 0 Vermont carriers.
Most Vermont Medigap policies are attained-age rated. See our MA vs Medigap comparison →
Standalone Part D (Prescription Drug Plans)
Vermont is in CMS PDP Region 2 (CT/MA/RI/VT). For 2026, there are 11 standalone PDP plans available (CMS 2026 Fact Sheet).
Costs in Vermont
Medicare Advantage Premiums
The average monthly MA premium in Vermont is $0.00 in 2026 (changed from $22.41 in 2025; CMS 2026 Fact Sheet). The standard Medicare Part B premium is $202.90/month in 2026.
Medigap Premiums — Plan G and HDG
Most Vermont Medigap policies are attained-age rated. Across the 11 Vermont Plan G carriers (non-tobacco, ages 65–85), Plan G monthly premiums in 2026 range from approximately $196 to $400/month(TPP rate database, CY2026).
High-Deductible Plan G (HDG) is offered by 0 Vermont carriers; premiums range from approximately $0 to $0/month(TPP rate database, CY2026). HDG works well for beneficiaries who want catastrophic protection at a lower monthly cost and can absorb the high-deductible amount (CMS’s 2026 Medigap high-deductible options notice publishes the current dollar figure).
Part D Costs and the LIS Benchmark
For 2026, Vermont (PDP Region 2 — CT/MA/RI/VT) has 11 standalone PDP plans (CMS 2026 Fact Sheet). The CMS Low Income Subsidy (LIS / Extra Help) benchmark premium for Region 2 is$35.76/month (CMS CY2026 Regional Rates and Benchmarks).
Vermont-Specific Medicare Rules
Vermont Year-Round Guaranteed-Issue Medigap (8 V.S.A. §4088b)
Vermont requires Medigap insurers to provide continuous open enrollment and community-rated premiums — beneficiaries can apply for or switch to a Medigap policy any time of year, without medical underwriting, with no age cap.
Vermont is one of a small group of states (with Connecticut, Maine, Massachusetts, Minnesota, New York, Rhode Island, Vermont, and Washington — each with its own statutory variant and limits) that require Medigap protections beyond the federal 6-month Open Enrollment Period.
Medicare Savings Programs (MSPs)
Vermont offers Medicare Savings Programs (MSPs) through Vermont Medicaid (Green Mountain Care):
- QMB (Qualified Medicare Beneficiary): Covers Part A and Part B premiums, deductibles, and cost-sharing.
- SLMB (Specified Low-Income Medicare Beneficiary): Covers Part B premiums only.
- QI (Qualifying Individual): Also covers Part B premiums; subject to annual appropriations.
Apply through Vermont Medicaid (Green Mountain Care) or contact Vermont SHIP (1-800-642-5119) for free enrollment assistance. MSP enrollment also automatically qualifies you for Extra Help / LIS on Part D. Learn more about MSPs →
Vermont SHIP
Vermont SHIP is Vermont's federally designated State Health Insurance Assistance Program (SHIP). It provides free, unbiased Medicare counseling statewide through trained volunteers.
Phone: 1-800-642-5119
Website: humanservices.vermont.gov/ship
Enrolling in Medicare in Vermont
Standard Enrollment Periods
- Initial Enrollment Period (IEP): 7-month window centered on your 65th birthday month. Enroll at ssa.gov or call 1-800-772-1213.
- Annual Election Period (AEP): October 15 – December 7 each year.
- Medicare Advantage Open Enrollment Period (OEP): January 1 – March 31.
- Federal 6-month Medigap OEP: Starts when you are 65+ and enrolled in Part B.
- Special Enrollment Periods (SEPs): Learn more →
Vermont SHIP Counseling
Contact Vermont SHIP at 1-800-642-5119 for free one-on-one Medicare guidance statewide.