Rhode Island Health Insurance (2026)
ACA marketplace health insurance rates, Medicaid eligibility, and top insurers in Rhode Island. Rates shown before premium tax credits — most buyers qualify for subsidies.
Silver Premium
$470/mo
Age 40, before credits
Avg Deductible
$3,900
Silver plan
Medicaid
Expanded
Up to 138% FPL
Insurers
4
On marketplace
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Top Health Insurers in Rhode Island
1
Compare PlansBlue Cross Blue Shield
Nationwide network
Avg Monthly
$480
Network
Very Large
Rating
4.5/5
2
Compare PlansUnitedHealthcare
Employer plans
Avg Monthly
$510
Network
Large
Rating
4.3/5
3
Compare PlansAetna
CVS integration
Avg Monthly
$495
Network
Large
Rating
4.2/5
4
Compare PlansCigna
Mental health coverage
Avg Monthly
$490
Network
Large
Rating
4.2/5
5
Compare PlansKaiser Permanente
Integrated care
Avg Monthly
$440
Network
Regional
Rating
4.7/5
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Enrollment Requirements & Key Dates
- •Open Enrollment: Nov 1 – Dec 31 (shorter than federal)
- •RIte Care (Medicaid) covers adults up to 138% FPL
- •HealthSource RI: state-operated marketplace
Rhode Island Health Insurance Facts
HealthSource RI is the state marketplace.
Small state with high enrollment rate relative to population.
BCBS RI and Neighborhood Health Plan dominate.
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