The state’s marketplace, HealthSource RI, enables Rhode Islanders to browse through multiple health insurance policies. You can compare the different plans and make a decision that takes your unique and personal circumstances into account.
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How to Buy Health Insurance in Rhode Island
Patients have multiple options for getting health insurance in Rhode Island. Employees may get coverage under their workplace plan. Individual plans are available for sole proprietors and those who can’t obtain coverage through a workplace (such as dependent children).
The state’s marketplace, HealthSource RI, has about 20 insurance policies for individuals and families that are provided by three carriers. The plans fall under four tiers: Platinum, Gold, Silver, and Bronze. Similarly, Medicaid coverage is available through HealthSource RI. Although Rhode Island doesn’t strictly prohibit short-term plans, no companies offer these policies because of the state’s strict requirements.
How to Apply for Health Insurance in Rhode Island
You can easily apply for coverage on the HealthSource RI marketplace website. First, use the search tool and enter all of your details (such as age, health status, income, the number of your household members, and other information). Next, the website will show you the available plans and the associated costs of each policy (including the premiums and deductibles). Lastly, you can pick the coverage that suits what you’re looking for.
Health Insurance Carriers In Rhode Island
Three carriers currently provide individual plans in Rhode Island:
- Blue Cross Blue Shield of Rhode Island
- Neighborhood Health Plan of Rhode Island
Rhode Island Health Insurance Costs Overview
As 2025 data is not yet available, we have used statistics from 2024 to reflect costs so you can have an idea of what to expect.
How Much Does Health Insurance Cost in Rhode Island?
For a 40-year-old male in good health, the average premium across all four tiers is $425 a month.
What is the Cheapest Health Insurance Plan in Rhode Island?
The cheapest health insurance plan in Rhode Island is the one that covers you best when you need it most for the lowest monthly premium you can get. Enter your zip code below to find the plan that suits your needs!
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Cheapest Rhode Island Health Insurance Coverage by Metal Tier
As 2025 data is not yet available, we have used statistics from 2024 to reflect costs so you can have an idea of what to expect.
Note that all costs are 2025 pricing from KFF. (source)
Gold Plans
The average lowest cost premium of a Gold Plan in Rhode Island in 2o25 was $416.
Silver Plans
The average lowest cost premium of a Silver Plan in Rhode Island in 2025 was $404.
Bronze Plans
For a Bronze plan, the average lowest premium in 2025 was $299.
Other Types of Rhode Island Health Insurance Coverage
The Rhode Island marketplace allows you to compare other health policies that can complement your existing coverage.
Catastrophic Health Insurance in Rhode Island
Catastrophic health plans are available to Rhode Islanders under 30 years old. The policies pay for unexpected emergencies and other medical expenses a standard health insurance policy doesn’t cover.
Short Term Health Insurance in Rhode Island
The state doesn’t prohibit short-term policies. However, because of its strict regulations on these plans, there aren’t any insurers that offer short-term or temporary health insurance in Rhode Island.
Low Income Health Insurance in Rhode Island
Through HealthSource RI, low-income Rhode Islanders can enroll in no-cost Medicaid policies. Moreover, the state’s marketplace allows patients to apply for financial assistance based on their income.
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Marketplace Average Benchmark Premiums, KFF, accessed 08/16/2024, https://www.kff.org/health-reform/state-indicator/marketplace-average-benchmark-premiums/?currentTimeframe=0&sortModel=%7B%22colId%22:%22Location%22,%22sort%22:%22asc%22%7D
Average Marketplace Premiums by Metal Tier, 2018-2025, KFF, accessed 08/16/2023, https://www.kff.org/health-reform/state-indicator/average-marketplace-premiums-by-metal-tier/?currentTimeframe=0&sortModel=%7B%22colId%22:%22Average%20Lowest-Cost%20Bronze%20Premium__2022%22,%22sort%22:%22desc%22%7D
