Updated July 2, 2026
Vermont Medigap Plan G runs around $160 per month. That figure is higher than many states, and the reason ties directly to Vermont's unusual insurance rules.
How Is a Medigap Premium Calculated in Vermont
Vermont is one of a small number of states, along with Maine and New York, that require community rating for Medigap. Per the Vermont Department of Financial Regulation, insurers must charge the same premium to all enrollees for the same plan regardless of age or health status. A 68-year-old pays what a 78-year-old pays for the same coverage. The trade-off is that community-rated premiums start higher than attained-age premiums for younger enrollees. They also tend to be more predictable over time. Vermont also requires guaranteed issue year-round, not just during the federal Open Enrollment Period, so you can apply for Medigap at any point without facing medical underwriting. That is a meaningful protection compared to most states. Use the Medigap cost calculator for an estimate and the plan comparison page to review what each letter covers.
Enrolling in Vermont
Because Vermont mandates guaranteed issue year-round, your options are not limited to the standard 6-month federal window. You can apply and be accepted regardless of health history at any time. That said, running your specific dates through the open enrollment calculator is still useful for understanding how your Part B start date interacts with your coverage options. Before deciding, the Medigap vs Advantage calculator is worth a look.
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FAQs
How much does Medigap Plan G cost in Vermont?
Plan G premiums in Vermont run around $160 a month for most new enrollees, though your exact rate depends on your age, sex, tobacco use and the insurer you choose.
Do all Plan G policies in Vermont cover the same things?
Yes. Federal law standardizes the benefits inside every Plan G, so a policy sold in Vermont covers exactly the same services no matter which carrier issues it. Only the premium and the rating method differ from one Vermont carrier to the next.