Private and PPO health plans in Rhode Island
Private plans are bought directly from insurers, year-round. We compare Ameristead PPO plans on the Cigna PPO network ($0 preventive care, $0 teledoctor), UnitedHealthOne and First Health fixed indemnity. Call (813) 724-3314 (Mon–Sat 8 AM–9 PM ET) or get a free quote; no fee for our help.
Rhode Island health insurance facts for 2027
| Marketplace | HealthSource RI (state-run) |
|---|---|
| 2027 enrollment | Nov. 1 – Jan. 31, 2027 (source) |
| Benchmark, age 40 | $629/mo (+$123, +24.3%; KFF) |
| State insurance department (questions and consumer help) | Rhode Island Department of Business Regulation, Insurance Division |
Marketplace enrollment in Rhode Island
Rhode Island runs its own exchange, HealthSource RI, one of 22 State-based Exchanges CMS lists for 2027, so residents apply there rather than on HealthCare.gov. HealthSource RI's open enrollment page says to enroll in health coverage by Jan. 31, 2027, and its homepage lists the open enrollment period as November 1 – January 31 (source).
2027 Marketplace premiums in Rhode Island
KFF: $629 a month for a 40-year-old before subsidies, up from $506 (+$123, +24.3%). That is $74 below the U.S. average ($703); 35th-highest of 50 states. Its 24.3% rise ranks 7th-highest (U.S.: +12.5%).
| Tier | 2026 | 2027 |
|---|---|---|
| Bronze (lowest) | $367 | $388 |
| Silver (lowest) | $488 | $587 |
| Benchmark silver | $506 | $629 |
| Gold (lowest) | $502 | $564 |
Neighbors (2027 benchmark, change): Connecticut $1,005 (+15.5%); Massachusetts $551 (+11.5%); New York $1,041 (+27.4%).
Benchmark history (KFF): 2014 $293 · 2018 $311 · 2022 $361 · 2024 $400 · 2025 $425 · 2026 $506 · 2027 $629. That is +115% since 2014.
Research averages, not quotes; changes calculated by us. Full table: cost index.
Coverage in Rhode Island: enrollment, insurers, Medicaid
Marketplace plan selections grew 34% from 2022 to 2026, and rose 3.2% from 2025 to 2026.
| Year | Plan selections | Insurers |
|---|---|---|
| 2026 | 43,446 | 2 |
| 2025 | 42,117 | 2 |
| 2024 | 36,121 | 2 |
| 2023 | 29,626 | 2 |
| 2022 | 32,345 | 2 |
2024 coverage mix (KFF, Census data): uninsured 4.8% (U.S. 8.2%); employer 49.4%; Medicaid 24.1%; Medicare 15.4%; individual 5.5%.
Medicaid expansion: adopted, implemented 1/1/2014 (KFF). Medicaid income limits as of January 2026 (KFF): 138% of the federal poverty level for parents in a family of three, 138% for other adults.
Getting help in Rhode Island
Rhode Island has a state health coverage requirement; your agent confirms how any plan you choose fits it. We help clients by phone and video in Providence, Warwick, Cranston and statewide.
Frequently asked questions
Does Rhode Island use HealthCare.gov?
No. Rhode Island has its own state-based Marketplace, HealthSource RI (https://healthsourceri.com/), listed by CMS among the State-based Exchanges for plan year 2027.
When is 2027 open enrollment in Rhode Island?
HealthSource RI's open enrollment page says to enroll in health coverage by Jan. 31, 2027, and its homepage lists the open enrollment period as November 1 – January 31.
Rhode Island Marketplace Affordability Program for 2027
HealthSource RI is offering a new state-funded premium subsidy, the Rhode Island Marketplace Affordability Program (RIMAP), for eligible customers beginning in January 2027. HealthSource RI's 2027 parameters say the program prioritizes households below 200% of the federal poverty level, and that some households above 400% of poverty may receive help if federal credits do not apply solely because of income and if the second-lowest-cost silver plan would otherwise exceed 18% of income. You enroll through HealthSource RI. See 2027 state ACA subsidies for the details we verified and the official sources.
Sources (checked November 11, 2026)
- HealthSource RI: open enrollment
- Rhode Island Department of Business Regulation, Insurance Division
- KFF State Health Facts, CMS and HealthCare.gov pages, linked beside each figure above
Plan availability and eligibility are determined by the carrier.