Health insurance prices in Rhode Island (2026)
21 marketplace plans from 2 insurers across 5 counties. Official marketplace: HealthSource RI.
Plan year 2026 prices; 2027 prices will be added as soon as CMS publishes them. Monthly premium for one 40-year-old, before any tax credit (subsidy).
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Individual & family health insurance (marketplace / ACA plans)
Real insurance plans you buy yourself (not through a job), sold by companies like UnitedHealthcare, Blue Cross Blue Shield, Ambetter (Centene), Oscar, Cigna, Molina and Anthem through HealthCare.gov or your state's marketplace.
Looking for Aetna? Aetna CVS Health left the ACA marketplace for 2026 (it sold plans in 17 states in 2025). Source: KFF
All plans here: Bronze $367–$504 (typical $474) · Silver $488–$704 (typical $552) · Gold $502–$778 (typical $680) · Platinum $879–$880 (typical $880)
Insurers, sorted by typical Silver price
Every marketplace insurer must sell Silver and Gold plans; Bronze is optional, so Silver is the fair comparison. Typical = median monthly premium, age 40.
| Insurer | Counties (of 5) | Plans | Cheapest plan | Typical Bronze | Typical Silver | Typical Gold | Cheapest plan name |
|---|---|---|---|---|---|---|---|
| Neighborhood Health Plan of Rhode Island | 5 | 7 | $367 | $372 | $506 | $508 | NHP Select 7100/14200 HSA |
| Blue Cross & Blue Shield of Rhode IslandIndependent Blue Cross Blue Shield company | 5 | 14 | $474 | $474 | $640 | $702 | BlueSolutions for HSA Direct 6300/12600 WPD |
Deductibles and a bad year, by metal level
| Metal | Lowest | Typical* | Highest | Plans | Typical deductible | Typical out-of-pocket max | Typical bad year** |
|---|---|---|---|---|---|---|---|
| Bronze | $367 | $474 | $504 | 5 | $6,900 | $8,050 | $13,733 |
| Silver | $488 | $552 | $704 | 7 | $4,750 | $8,200 | $14,829 |
| Gold | $502 | $680 | $778 | 7 | $2,300 | $5,650 | $13,575 |
| Platinum | $879 | $880 | $880 | 2 | $950 | $2,500 | $13,057 |
* Typical = median: half of plans cost less, half cost more. ** Bad year = 12 months of premium + the plan's in-network out-of-pocket maximum (median across plans). Out-of-network care and non-covered services are extra.
Prices by county in Rhode Island
| County | Insurers | Plans | Cheapest plan | Typical Bronze | Typical Silver |
|---|---|---|---|---|---|
| Bristol County | 2 | 21 | $367 | $474 | $552 |
| Kent County | 2 | 21 | $367 | $474 | $552 |
| Newport County | 2 | 21 | $367 | $474 | $552 |
| Providence County | 2 | 21 | $367 | $474 | $552 |
| Washington County | 2 | 21 | $367 | $474 | $552 |
To compare insurance plans side by side (or with health sharing), open your county.