Medicare Advantage Plans in Vermont 2026
Last reviewed: June 2026 · Data sourced from CMS.gov
Vermont has one of the lowest Medicare Advantage penetration rates in the country. Burlington has the most plan options, but even the largest market in Vermont is small compared to national averages. The state's small population and predominantly rural character limit plan availability across most of the state.
Plan availability varies by county. Enter your ZIP code to see the exact plans, premiums, and coverage available where you live in Vermont.
Rural Coverage Note
Parts of Vermont have limited Medicare Advantage plan availability. If you live in a rural county, you may find fewer plans or smaller provider networks. Comparing your options alongside Medicare Supplement plans is worth doing before you decide.
What to Look for in a Vermont Medicare Advantage Plan
- ✓ Whether your current doctors and specialists are in-network
- ✓ Drug formulary — does it cover your prescriptions at a reasonable cost?
- ✓ Monthly premium and annual out-of-pocket maximum
- ✓ Extra benefits: dental, vision, hearing, fitness programs
- ✓ Star rating — CMS rates plans from 1 to 5 stars based on quality and member experience
- ✓ HMO vs. PPO — HMOs require referrals and restrict out-of-network care; PPOs are more flexible
2026 Medicare Advantage Costs in Vermont
| Cost | Typical Range |
|---|---|
| Monthly premium | $0 to $50 (many plans at $0) |
| Annual out-of-pocket maximum | Up to $9,350 in-network (2026 CMS limit) |
| Primary care visit copay | $0 to $20 typical |
| Specialist visit copay | $20 to $50 typical |
| Inpatient hospital stay | $250 to $350/day for first few days (varies by plan) |
| Part B premium (always required) | $202.90/month standard (2026) |
Medicare Advantage vs. Medigap in Vermont
Vermont is a mostly rural, small-market state where Medigap is widely used and often the more practical option. Limited plan selection across most of the state makes Medigap's predictable costs and any-provider access especially valuable.