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Rhode Island Health Insurance Guide
Last updated: 2026 · Marketplace options, Medicaid eligibility, average costs, and enrollment tips for Rhode Island residents.
Avg. Individual Premium
$492/mo
Avg. Family Premium
$1,408/mo
Avg. Deductible
$4,200
Medicaid Expansion
Yes
Marketplace
State-Based
Health Insurance Overview in Rhode Island
Rhode Island operates HealthSource RI, a state-based marketplace. Rhode Island expanded Medicaid in 2014 and has one of the higher insured rates in the nation. Rhode Island has a competitive marketplace despite its small size. The state has implemented consumer assistance programs and has been active in marketplace innovation.
Average Health Insurance Costs in Rhode Island
| Coverage Type | Monthly Premium | Annual Premium |
|---|---|---|
| Individual (benchmark Silver) | $492/mo | $5904/yr |
| Family of Four (benchmark Silver) | $1,408/mo | $16896/yr |
| Avg. Annual Deductible | $4,200 | |
Marketplace Enrollment in Rhode Island
Rhode Island residents can enroll in individual and family health insurance plans through HealthSource RI (State-Based). Open enrollment runs November 1 – January 31 (HealthSource RI — extended deadline).
Average Premiums by City in Rhode Island
| City | Est. Monthly Premium (Silver, age 40) |
|---|---|
| Providence | $505/mo |
| Cranston | $492/mo |
| Warwick | $488/mo |
| Pawtucket | $498/mo |
| East Providence | $495/mo |
| Woonsocket | $490/mo |
Medicaid in Rhode Island
Rhode Island Medicaid (RIte Care) covers adults with incomes up to 138% of the federal poverty level.
Children's Health Insurance (CHIP) in Rhode Island
RIte Care and RIte Share cover children up to 261% of the federal poverty level.
What Makes Rhode Island Unique
Rhode Island has worked to create a highly functional marketplace despite its small size. HealthSource RI has focused on consumer assistance, simplified enrollment, and insurer competition. Rhode Island's marketplace has served as a model for small-state marketplace management.
ACA Subsidies: What Rhode Island Residents Should Know
The enhanced subsidies first enacted in the American Rescue Plan expired at the end of 2025. For 2026, premium tax credits follow the original ACA rules: there is no credit above 400% (the “subsidy cliff”), and enrollees are expected to pay up to 9.96% of income toward the benchmark Silver plan. House in January 2026 but has not become law, so 2027 plans are being priced and subsidized under the same rules unless Congress acts.
Rhode Island’s Marketplace for 2027: Insurers, Rates, and Dates
Rhode Island residents enroll through HealthSource RI. Full-price premiums rose about 21% on average for 2026, before subsidies. 2 insurers sold plans for 2026. Proposed 2027 changes average about 12.4% before subsidies.
About 43,000 people enrolled for 2026. About 82% received premium tax credits, and the average net premium after credits was about $246 a month.
Open enrollment for 2027: November 1, 2026 through January 31, 2027.
What’s Different About Health Coverage in Rhode Island
Rhode Island is a single rating area — premiums don’t vary by ZIP code. It keeps a state individual mandate with a tax penalty, and pregnancy is a qualifying event. New for 2027, Rhode Island adds a state subsidy expected to help about 20,000 residents.
Tips for Choosing Health Insurance in Rhode Island
Rhode Island residents should enroll through HealthSource RI for state-specific assistance. Rhode Island's extended open enrollment (through January 31) provides additional time. Medicaid covers low-income adults. Rhode Island's competitive marketplace offers multiple plan options despite the state's small size.
- Enroll during open enrollment (November 1 – January 31 (HealthSource RI — extended deadline)) — missing the deadline means waiting until the next open enrollment unless you have a qualifying life event.
Frequently Asked Questions
How many insurers sell marketplace plans in Rhode Island?
Two insurers sold Rhode Island marketplace plans for 2026, with proposed 2027 changes averaging about 12.4% before subsidies.
When is open enrollment in Rhode Island for 2027?
November 1, 2026 through January 31, 2027.
How much do Rhode Island marketplace enrollees pay after subsidies?
In 2026 about 82% of Rhode Island enrollees received premium tax credits, and the average net premium was about $246 a month. There is no credit above 400% of the federal poverty level.
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The information on this page is provided for general informational purposes only and reflects estimated industry averages and program eligibility rules as of 2026. Health insurance premiums, Medicaid eligibility thresholds, marketplace options, and program rules change annually. Always verify current eligibility and enrollment options at the official HealthSource RI (State-Based) or by contacting a certified navigator or broker. Premium figures shown are approximations before subsidies — actual net premiums depend on individual income, household size, and plan selection.