Nearly 170,000 people in Vermont are signed up for Medicare. Medicare is the federal health insurance program for people 65 and older.
For 2026, Medicare Advantage plans are available from one company, Humana, and only in part of the state. Humana offers plans six of Vermont’s 14 counties, representing about a third of the state’s population.
Vermont residents in Bennington, Caledonia, Essex, Orange, Windham and Windsor counties will have the option to sign up for Medicare Advantage plans in 2026. Medicare Advantage, sold by private insurance companies, is a bundled alternative to Medicare that offers the same benefits and usually some extras, such as cost help with dental and vision coverage.
People who live in other counties and those who don’t sign up for Medicare Advantage may have the option to buy Medicare Supplement Insurance (Medigap). Medigap plans cover “gaps” in Original Medicare coverage: deductibles, coinsurance and/or copays you’d pay out of pocket when you get care.
» MORE: Medigap vs. Medicare Advantage: What's the difference?
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Medicare Advantage plans available in Vermont
Insurance company | CMS star rating | States available | Members in high-rated plans | Member experience | Learn more | |
|---|---|---|---|---|---|---|
BEST FOR PART B GIVEBACK | ||||||
3.61 | 3.61/5 | 46 states and Washington, D.C. | Low (49% or less) | 3.61 (Above average) | from Humana | |
Compare the best Medicare Supplement plans in Vermont
Insurance company | NerdWallet rating | Plan types offered | NAIC complaint rate | Premium discounts available | Learn more |
|---|---|---|---|---|---|
5.0/5 | A, B, C, F, G, K, L and N. | Far fewer than expected | Above average | (844) 939-0223 / TTY 711 Call UnitedHealthcarefrom UnitedHealthcare | |
 From Mutual of Omaha | 4.0/5 | A, F, G and N. | Far fewer than expected | Above average | From Mutual of Omaha |
 (855) 432-0512 / TTY 711 M-F 9AM-9PM, Sat 10AM-6PM ETSpeak to a licensed insurance agent on askchapter.orgon NerdWallet | 4.0/5 | A, C, D, F, G and N. | Far fewer than expected | Below average | (855) 432-0512 / TTY 711 M-F 9AM-9PM, Sat 10AM-6PM ETSpeak to a licensed insurance agent on askchapter.orgon NerdWallet |
3.0/5 | A, B, C, D, F, G and N. | More than expected | Below average | From Aetna | |
Medicare Advantage plan ratings in Vermont
Each year, the Centers for Medicare & Medicaid Services (CMS) awards every Medicare Advantage plan a star rating on a scale of 1 to 5, with 5 being a top-rated plan. (Check out more information about Medicare star ratings.)
Humana is the only Medicare Advantage company selling plans in Vermont for 2026. Its highest-rated plans available in the state are rated 4.5 out of 5 stars by CMS.
» MORE: Best Medicare Advantage plans
Top-rated Medicare Supplement plans in Vermont
Here are the companies in Vermont that scored best on NerdWallet’s Medigap rubric. (See our ratings methodology for more on how we evaluate Medicare Supplement Insurance companies.)
5-star plans (NerdWallet rating)
4-star plans (NerdWallet rating)
How to choose a Medicare Advantage plan
It’s important to do your research before selecting a Medicare Advantage plan for yourself. Here are some questions to consider asking:
What are the plan’s costs? Do you understand what the plan’s premium, deductibles, copays and/or coinsurance will be? Can you afford them?
Is your doctor in-network? If you have a preferred medical provider or providers, make sure they participate in the plan’s network.
Are your prescriptions covered? If you’re on medication, it’s crucial to understand how the plan covers it. What tier are your prescription drugs on, and are there any coverage rules that apply to them?
Is there dental coverage? Does the plan offer routine coverage for vision, dental and hearing needs?
Are there extras? Does the plan offer any extra benefits, such as fitness memberships, transportation benefits or meal delivery?
How to choose a Medicare Supplement Insurance plan
Because Medigap plans are standardized, you can get precisely the same Medicare benefits from any company offering the plan. So when you shop, keep these considerations in mind to find the best policy to fit your needs:
Is your preferred plan available? Health insurance companies don’t always sell every plan, so check who sells the plan you want to buy in your area.
What are the premiums? Prices for the same plan can vary between companies, so check to find the most competitive rates.
Will your premiums change over time? Most policies cost more as you age, but some companies offer policies that let you lock in a price when you sign up.
Are there extras? Medigap plans’ core benefits are standardized, but in certain cases, some companies include such perks as discount programs or gym memberships.
If you have additional questions about Medicare, visit Medicare.gov or call 800-MEDICARE (800-633-4227, TTY 877-486-2048).
Article sources
NerdWallet writers are subject matter authorities who use primary, trustworthy sources to inform their work, including peer-reviewed studies, government websites, academic research and interviews with industry experts. All content is fact-checked for accuracy, timeliness and relevance. You can learn more about NerdWallet's high standards for journalism by reading our editorial guidelines.
- 1.Centers for Medicare & Medicaid Services. Fact Sheet. Accessed Oct 24, 2025.
- 2.Centers for Medicare & Medicaid Services. 2026 Star Ratings Data Tables. Accessed Oct 24, 2025.
Medicare Advantage review methodology
The Medicare Advantage marketplace is concentrated among just a handful of companies. In many places, one insurer serves more than half of the market. NerdWallet’s editorial team reviewed 25 Medicare Advantage brands, with some insurers having more than one brand under their umbrella. (For example, Blue Cross Blue Shield includes the brands Anthem and Highmark.) At the national level, these reviews include each of the 10 largest brands by enrollment. At the state level, our research includes at least one major insurer in every state where Medicare Advantage plans are sold, and includes the top two insurers in 40 of those 49 states. (Alaska doesn't offer Medicare Advantage plans.) We also look at online search volume to identify regional and other notable players in the space.
NerdWallet’s Medicare Advantage reviews are based on ratings data from the Centers for Medicare & Medicaid Services, as well as pricing, plan availability by state, plan types available, consumer experience, extra benefits offered and more. These reviews are a guide, but we encourage you to shop around and compare several plans to find the best coverage and rate for you. NerdWallet does not receive compensation for any reviews. Read our editorial guidelines for additional information.
Medicare Supplement Insurance ratings methodology
NerdWallet’s Medicare Supplement Insurance (Medigap) ratings are based on pricing, discounts, plan types offered, complaint data from the National Association of Insurance Commissioners, consumer experience, additional perks and benefits, and more. To calculate each health insurance company's rating, we adjusted the scores to a curved 5-point scale, rounded to the nearest half star.
NerdWallet reviewed 15 Medicare Supplement Insurance companies based on highest enrollment and greatest online search volume. At the national level, our scored reviews include companies covering about two-thirds of all Medigap beneficiaries. At the state level, our research includes at least one of the two largest Medigap insurance companies in 48 of the 50 states, plus Washington, D.C.
These ratings are a guide, but we encourage you to shop around and compare several insurance quotes to find the best coverage and rate for you. NerdWallet does not receive compensation for any reviews. Read our editorial guidelines and full ratings methodology for Medicare Supplement Insurance.
Insurer complaints methodology
We examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners. To assess how insurers compare to one another, the NAIC calculates a complaint index each year for each subsidiary, measuring its share of total complaints relative to its size, or share of total premiums in the industry. To evaluate a company’s complaint history, we calculated a similar index for each insurance company, weighted by market shares of each subsidiary. We score companies based on this index of how many complaints the company receives relative to its market share. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
This roundup includes only insurers that sell Medicare Advantage or Medicare Supplement Insurance in Vermont.