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Best Health Insurance Agencies in Vermont

Our Recommended Top 4

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Vermont Health Insurance Agencies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.



4Top Picks

Learn about our selection process.


featured provider = Featured Provider

Vermont Rating

Review Sources

5.0 (357)
5.0 (27)
5.0 (2)

Why choose this provider?

Nicole Hibbard is the owner of Hibbard Insurance, which offers policies to clients in the Vermont community. She provides supplemental health insurance to secure finances in case of medical emergencies. Her company also has home, car, and life insurance packages available. The agent is affiliated with State Farm, which has been around for more than 100 years providing families with protection through insurance products. Hibbard supports various non-profits like Passion 4 Paws, Vermont Works for Women, and the Bristol Family Center.

  • Individual Plans

Vermont Rating

Why choose this provider?

Cross Benefit Solutions has been working with clients across Vermont since 1954. The agency provides health insurance policies for college students that cover costs from illnesses and injuries. It also creates customized plans to help clients manage expenses from prescription drugs and doctor visits. The agency sets up other personal insurance products, like life, auto, and renters'. Cross Benefit Solutions is a family-owned enterprise. It is the recipient of the Agency of the Year award in 2021 from Frankenmuth Insurance.

  • Individual Health Insurance
  • Life Insurance

Vermont Rating

Review Sources

4.9 (33)
5.0 (4)

Why choose this provider?

Colby Insurance Group serves Vermont clients. The agency sets up policies that help individuals cover costs related to long-term medical care. It guides them on the plan's scope involving expense items like nursing home bills. The agency also serves businesses and offers a variety of insurance products, ranging from cyber liability policies to builders' risk plans. Aaron Rich, one of its vice presidents, is the former board of directors chair at the Applied Client Network, a group that educates agents worldwide on insurance technology trends.

  • Group Plans

Vermont Rating

Why choose this provider?

Business Resource Services caters to clients in Vermont and the surrounding areas. It offers health plans to help business owners protect the medical needs of their employees and their families. These plans cover expenses involving clients' medical check-ups, emergency room, ambulance, urgent care, prescriptions, and hospital services. It carries health insurance products from Blue Cross and Blue Shield of Vermont. In addition to insurance, the company helps clients with their tax strategies. Business Resource Services has been in the industry since 1992.

  • Group Plans

Compare our Top Health Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
Nicole Hibbard
25 Bishop Avenue Suite 4, Vermont, VT 05495
Cross Benefit Solutions
1233 Shelbourne Road, Vermont, VT 05403
Colby Insurance Group
21 Barton Street, Vermont, VT 05033
Business Resource Services
P.O. Box 9367, Vermont, VT 05407


  • Introduction

    If you're looking for health insurance for yourself or your family, an agent can help you save time, understand your options, and manage your costs. Insurance agents must be licensed in the state where they operate. They can provide information about on- and off-exchange plans to help you weigh all of your options, and they can see if you qualify for tax credits that can lower your monthly premiums. There's no cost to work with an agent, and they can help you save quite a bit by recommending the best plan for your needs. Here's what you should know before you get started.

  • How can you find affordable health insurance? 

    Affordable insurance is available through employers, Medicare, Medicaid, and the federal Health Insurance Marketplace, which offers subsidies in the form of tax credits. You can also purchase coverage through private insurance companies and independent agents. Nearly half of all Americans have employer-sponsored health insurance, and about 10% of the population is uninsured.

  • What is health insurance?

    Health insurance policies are contracts that require an insurer to pay some or all of a beneficiary's health care expenses in exchange for a premium and deductible. Plans cover preventive care and emergency medical services arising from an injury or illness. They may also offer optional coverage for dental and vision.

  • How do health insurance companies make money?

    Health insurance companies make money by collecting premiums from consumers and reinvesting the funds. Federal law requires insurers to put approximately 80-85% of collected funds toward claims, and 15-20% is used to pay for administrative expenses.

  • What is subsidized health insurance?

    Subsidized health insurance is available exclusively through the Health Insurance Marketplace. This system applies federal tax credits that can reduce or eliminate premiums. Tax credits are available to consumers who earn up to 400% of the federal poverty level based on household size.

  • What is a health insurance deductible? 

    A deductible is a fixed amount you must pay out-of-pocket before normal copays or coinsurance rates apply. Under the Affordable Care Act, some services, such as annual physicals and wellness screenings, must be covered at no charge.

  • Is it illegal to not have health insurance?

    No. Starting in 2019, the federal government eliminated the penalty that applied to individuals who could afford health insurance but chose not to purchase it. Financial penalties still apply in California, Massachusetts, New Jersey, Rhode Island, Vermont, and Washington, D.C.