Best Medicare Supplement Plans in Vermont (2026)
Compare the top-rated Medigap carriers in Vermont. Plan G starts at $190/mo with 12+ carriers licensed statewide. Vermont uses community rating and guarantees year-round open enrollment.
Vermont Uses Community Rating and Guarantees Year-Round Open Enrollment
Vermont is one of only a handful of states that requires community rating for all Medigap policies. This means every enrollee pays the same premium regardless of age or health status. Vermont also guarantees year-round open enrollment, so you can switch carriers at any time without medical underwriting. These protections give Vermont seniors more flexibility than residents of most other states.
Approximately 20,000 Vermont residents have Medicare Supplement Insurance, also called Medigap. Vermont follows standard federal Medigap plan letters (A through N) but adds two critical consumer protections: community rating and guaranteed issue year-round. Plan G is the most popular choice for new enrollees, covering nearly all Medicare out-of-pocket costs except the annual Part B deductible ($283 in 2026).
Because Vermont requires community rating, your premium will not increase based on your age. A 65-year-old and a 75-year-old pay the same rate for the same plan from the same carrier. And because Vermont guarantees year-round open enrollment, you can switch carriers at any time without answering health questions or facing denial.
Plan G premiums in Burlington range from $262/mo (MVP Health Care) to $310/mo (AARP/UHC) for any age. Vermont premiums are higher than the national average because community rating spreads costs evenly across all ages, but the trade-off is permanent flexibility and no risk of being locked into a bad plan.
Compare the Best Medicare Supplement Plans in Vermont
Our top-rated Medigap carriers in Vermont, ranked by the MedicareFAQ Score. Premiums shown use community rating (same for all ages). Vermont has fewer carriers than most states due to its strict consumer protection laws.
Medco Containment
Plan G
$190/mo
Plan N
$160/mo
AM Best
A
Medco Containment offers the lowest Plan G ($190/mo) and Plan F ($250/mo) in Vermont, saving over $80/mo compared to the state average. Community-rated pricing means your premium stays the same regardless of age. Best overall value for comprehensive coverage.
State Farm
Plan G
$190/mo
Plan N
$147/mo
AM Best
A++
State Farm holds the highest possible AM Best rating (A++) and offers the lowest Plan N in Vermont at $147/mo. Plan G is tied for lowest at $190/mo. With local agents across Burlington, Montpelier, and Rutland, State Farm is the top choice for Vermont seniors who prefer face-to-face service.
Humana
Plan G
$299/mo
Plan N
$198/mo
AM Best
A-
Humana offers 8 plan types in Vermont (A, B, C, F, G, K, L, N), the widest selection in the state. They have the lowest Plan B at $172/mo and lowest Plan L at $148/mo. Community-rated pricing keeps premiums stable over time.
AARP / UnitedHealthcare
Plan G
$287/mo
Plan N
$195/mo
AM Best
A
AARP/UHC is the largest Medigap carrier in the country and offers 8 plan types in Vermont. Their Renew Active fitness benefit and AARP member perks add value beyond basic coverage. Lowest Plan K at $108/mo. Community-rated pricing.
AFLAC
Plan G
$196/mo
Plan N
$154/mo
AM Best
A+
AFLAC offers competitive Plan G at $196/mo and Plan N at $154/mo in Vermont, just slightly above the lowest rates. Their A+ AM Best rating provides strong financial backing. A solid alternative if Medco Containment or State Farm are not available in your area.
Medicare Supplement Prices in Vermont
Monthly premiums from top carriers in Vermont. All rates are community-rated, meaning they are the same regardless of your age. You will never see your premium increase simply because you got older.
| Insurance Company | Plan G Monthly | Plan N Monthly | Plan F Monthly |
|---|---|---|---|
| Medco Containment | $190 | $160 | $250 |
| State Farm | $190 | $147 | N/A |
| AFLAC | $196 | $154 | $254 |
| Wisconsin Physicians Service | $229 | $207 | $287 |
| The Vermont Health Plan | $235 | $218 | $273 |
| USAA* | $242 | N/A | N/A |
| United American | $245 | N/A | $267 |
| AARP / UnitedHealthcare | $287 | $195 | $298 |
| Humana | $299 | $198 | $311 |
All Vermont Medigap rates are community-rated (same price at any age). Source: Vermont DFR, FairSquare Medicare, MoneyGeek, May 2026.
Plan G vs. Plan N in Vermont
Plan G and Plan N are the two most popular Medicare Supplement plans for new enrollees in Vermont. Here is how they compare.
| Feature | Plan G | Plan N |
|---|---|---|
| Part A coinsurance | Covered | Covered |
| Part B coinsurance | Covered | Covered* |
| Part B excess charges | Covered | Not covered |
| Part B deductible ($283) | Not covered | Not covered |
| Skilled nursing coinsurance | Covered | Covered |
| Part A deductible ($1,676) | Covered | Covered |
| Foreign travel emergency | Covered | Covered |
| Office visit copay | $0 | Up to $20 |
| ER copay (no admission) | $0 | Up to $50 |
| Monthly premium (community-rated) | $262-$310 | $195-$245 |
*Plan N covers Part B coinsurance but may charge up to $20 for some office visits and up to $50 for ER visits that do not result in inpatient admission. Vermont community rating means these premiums are the same at any age.
Vermont is one of the best states in the country for Medigap flexibility. Because you can switch carriers year-round with no health questions, there is no pressure to make a perfect decision on day one. Start with the lowest-cost carrier (MVP Health Care at $262/mo for Plan G) and switch later if you find a better option. The trade-off is that Vermont premiums are higher than the national average because community rating spreads costs evenly. But you will never be trapped in a plan you dislike, and your premium will never increase just because you got older. If you are healthy and want to save $60-$70/mo, Plan N at $195/mo is a strong choice since Vermont does not allow excess charges in practice.
Vermont Medigap Rules You Should Know
Guaranteed Issue Year-Round
Vermont is one of only a handful of states that provides guaranteed issue rights year-round. You can switch Medigap carriers at any time without medical underwriting. No carrier can deny you coverage or charge higher premiums based on your health status. This is one of the strongest consumer protections in the country.
Community Rating Required by Law
Vermont requires all Medigap carriers to use community rating. This means your premium is the same regardless of your age. A 65-year-old and an 80-year-old pay the same monthly rate for the same plan from the same carrier. This protects older enrollees from age-based premium increases.
Under-65 Coverage Required
Vermont requires Medigap carriers to offer coverage to Medicare beneficiaries under age 65 (such as those with disabilities). This is a stronger protection than most states, where under-65 coverage is not guaranteed. Premiums may be higher for under-65 enrollees but coverage cannot be denied.
No Birthday Rule Needed
Because Vermont already provides year-round guaranteed issue, a birthday rule is not needed. You can switch plans or carriers at any time without waiting for a specific window. This gives Vermont residents the most flexibility of any state when it comes to Medigap enrollment.
Excess Charges Are Allowed in Vermont
Vermont does not ban Medicare excess charges. Providers who do not accept Medicare assignment can charge up to 15% more than the Medicare-approved amount. Plan G covers these excess charges; Plan N does not. If your doctors do not accept Medicare assignment, Plan G is the safer choice.
Free Help via Vermont SHIP
Vermont's State Health Insurance Assistance Program (SHIP) provides free, unbiased Medicare counseling. Call 1-800-642-5119 to speak with a trained counselor who can help you compare plans, understand your rights, and enroll. There is no cost and counselors do not sell insurance.
MedicareFAQ Scoring Methodology
The MedicareFAQ Score rates Medicare Supplement carriers on a scale of 1.0 to 5.0 based on five key factors. Our ratings are independent and not influenced by advertising relationships.
Financial Strength (AM Best)
Claims-paying ability and long-term stability
Customer Satisfaction
NAIC complaint ratios and member satisfaction surveys
Premium Competitiveness
Plan G and Plan N rates vs. Vermont market average
Plan Availability
Number of plan types offered in Vermont
Discounts and Value
Household discounts, EFT discounts, and added benefits
Last updated: May 2026 | Data sources: NAIC complaint ratios, AM Best ratings, CMS Medicare Plan Finder, Vermont Department of Financial Regulation, FairSquare Medicare
Frequently Asked Questions
Find the Best Medigap Rate in Vermont
Vermont guarantees year-round open enrollment with community rating, so you can switch carriers at any time without health questions. Plan G starts at $262/mo. Compare all available carriers to find the best value.