Vermont operates its own state-based marketplace, Vermont Health Connect, rather than using HealthCare.gov. Residents shop for plans and apply for subsidies directly through the state exchange.
Vermont expanded Medicaid under the ACA, so adults earning up to 138% of the federal poverty level generally qualify for coverage through the state's Medicaid program instead of needing a subsidized marketplace plan.
Vermont has one of the smallest individual insurance markets in the country, with just a couple of insurers offering plans statewide, so the comparison process tends to be simpler here than in states with dozens of plan options, even though choices are more limited. Because it's a small, close-knit market, checking with Vermont Health Connect directly for enrollment assistance can be especially useful.