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Vermont · 2026 plan year

Medicare Advantage HMO plans in Vermont

There are 8 Medicare Advantage HMO plans in Vermont from 1 carrier. Nearly all charge no monthly plan premium, so what separates them is network, drug coverage and how much you could owe in a bad year.

8
HMO plans
1
Carriers
14
Counties covered
—
Avg stars (0 of 8 rated)
$9,250
Avg out-of-pocket max
A $0 plan premium is not a free plan. You still pay your Part B premium to Medicare, plus copays and coinsurance as you use care. Star ratings are published by CMS per contract, so every plan a carrier files under the same contract shares one rating — it describes the carrier’s performance, not this specific plan’s benefits. Estimate your real costs.

One insurer sells every Medicare Advantage HMO plan in Vermont.

All 8 HMO plans here come from Vermont Blue Advantage. With the field this narrow, the decision is mostly about which plan design inside that network fits your care — so start by confirming your doctors and hospitals are in it.

Vermont has one of the smallest Medicare Advantage HMO markets in the country.

There are 8 HMO plans here from 1 insurer, against an average of about 89 per state. Fewer options makes the comparison quicker, but it also means one plan's network or drug list can decide the whole choice.

Not sure whether Medicare Advantage suits you at all? Medicare Advantage vs Original Medicare covers the trade in plain language.

Highest rated

Top-rated HMO plans in Vermont

PlanStarsOut-of-pocket maxPremium / mo
Vermont Blue Advantage Group HMO (HMO)Vermont Blue AdvantageNot rated$9,250—
Vermont Blue Advantage Group HMOPOS (HMO-POS)Vermont Blue AdvantageNot rated$9,250—
Vermont Blue Advantage Group HMOPOS (HMO)Vermont Blue AdvantageNot rated$9,250—

Showing 3 of 8. See all VermontMedicare Advantage plans →

Who sells here

HMO plans by carrier

CarrierPlansAvg starsSNPs
Vermont Blue AdvantageBlue Cross Blue Shield of Michigan Mutual Ins. Co.8——
Other plan types in Vermont

How HMO compares

HMO
Not rated · 1 carriers
8 plans · you are here
PPO
3.5★ avg · 1 carriers
1 plans

All VermontMedicare Advantage plans →

Nearby on quality

States with similar HMO star ratings

North Dakota
Not rated
3 HMO plans
Common questions

Vermont Medicare Advantage HMO plans, answered

How much do Medicare Advantage HMO plans cost in Vermont?
Most Medicare Advantage plans charge no monthly plan premium. A $0 premium does not mean the plan is free: you still pay your Part B premium to Medicare, plus copays and coinsurance as you use care. The number that actually caps a bad year is the in-network out-of-pocket maximum, which averages $9,250 across these plans.
What are the star ratings for Vermont HMO plans?
None of the HMO plans in Vermont carries a CMS star rating yet. CMS rates a contract rather than an individual plan, so every plan a carrier files under the same contract shares one score. A contract that is too new or has too little data is not rated at all, which is different from rating badly.
How many Medicare Advantage HMO plans are available in Vermont?
There are 8 HMO plans from 1 carrier, sold across 14 counties. Availability is set by county, so the plans you can actually join depend on where you live — the full list is rarely available in any one place.
Do Vermont HMO plans include prescription drug coverage?
8 of the 8 HMO plans here bundle Part D drug coverage into the plan. That is the usual arrangement for Medicare Advantage and there is no separate drug premium for it — the plan premium covers both. If you join a Medicare Advantage plan without drug coverage, you generally cannot add a standalone Part D plan alongside it.
What is a Special Needs Plan, and are there any in Vermont?
None of the HMO plans in Vermont are Special Needs Plans. SNPs limit enrollment to people who also have Medicaid, live in a nursing home or similar institution, or have a qualifying chronic condition. They often carry richer benefits for that group, but if you do not meet the criteria you cannot join one — so the real number of plans open to you may be lower than the total.

A $0 premium is not the whole cost.
See what a year really looks like.

Simplivera models your actual annual costs across Vermont Medicare Advantage plans.

Estimate my costs — it’s free →