Health insurance prices in Providence County, RI (2026)
21 marketplace plans from 2 insurers. Cheapest plan $367/mo; typical Silver $552/mo. Official marketplace: HealthSource RI (enter your ZIP for your real price and tax credit).
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). Rating Area 1.
Tick 2 to 4 options anywhere on this page (an insurer's cheapest plan, any plan in the full list, or a health sharing program) and press Compare. You can mix insurance and health sharing, and share the link.
Compare options
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.
| Comparecheapest plan | Insurer | Plans | Cheapest plan | Typical Bronze | Typical Silver | Typical Gold | Cheapest plan name |
|---|---|---|---|---|---|---|---|
| Neighborhood Health Plan of Rhode Island | 7 | $367 | $372 | $506 | $508 | NHP Select 7100/14200 HSA | |
| Blue Cross & Blue Shield of Rhode IslandIndependent Blue Cross Blue Shield company | 14 | $474 | $474 | $640 | $702 | BlueSolutions for HSA Direct 6300/12600 WPD |
All 21 plans in Providence County, cheapest first
| Compare | Insurer | Plan | Metal | Network | Monthly | Deductible | Out-of-pocket max | Bad year |
|---|---|---|---|---|---|---|---|---|
| Neighborhood Health Plan of Rhode Island | NHP Select 7100/14200 HSA | Expanded Bronze | HMO | $367 | $7,100 | $9,100 | $13,500 | |
| Neighborhood Health Plan of Rhode Island | NHP Select 6900/13800 HSA | Expanded Bronze | HMO | $378 | $6,900 | $7,400 | $11,936 | |
| Blue Cross & Blue Shield of Rhode Island | BlueSolutions for HSA Direct 6300/12600 WPD | Expanded Bronze | PPO | $474 | $6,300 | $8,050 | $13,733 | |
| Blue Cross & Blue Shield of Rhode Island | BlueSolutions for HSA Direct 6300/12600 WPDAB | Expanded Bronze | PPO | $474 | $6,300 | $8,050 | $13,741 | |
| Neighborhood Health Plan of Rhode Island | NHP Primary 3850/7700 HSA | Silver | HMO | $488 | $3,850 | $7,650 | $13,510 | |
| Neighborhood Health Plan of Rhode Island | NHP Plus 1375/2750 | Gold | HMO | $502 | $1,375 | $7,550 | $13,575 | |
| Blue Cross & Blue Shield of Rhode Island | BlueCHiP Direct 7000/14000 WPD | Expanded Bronze | POS | $504 | $7,000 | $10,600 | $16,642 | |
| Neighborhood Health Plan of Rhode Island | NHP Primary 4750/9500 | Silver | HMO | $506 | $4,750 | $8,700 | $14,776 | |
| Neighborhood Health Plan of Rhode Island | NHP Primary 4750/9500 | Silver | HMO | $507 | $4,750 | $8,700 | $14,787 | |
| Neighborhood Health Plan of Rhode Island | NHP Plus 2650/5300 | Gold | HMO | $513 | $2,650 | $5,650 | $11,806 | |
| Blue Cross & Blue Shield of Rhode Island | BlueCHiP Direct Advance 4950/9900 WPD | Silver | POS | $552 | $4,950 | $8,200 | $14,829 | |
| Blue Cross & Blue Shield of Rhode Island | BlueCHiP Direct Advance 2300/4600 WPD | Gold | POS | $586 | $2,300 | $4,900 | $11,937 | |
| Blue Cross & Blue Shield of Rhode Island | BlueSolutions for HSA Direct 4100/8200 WPD | Silver | PPO | $638 | $4,100 | $7,500 | $15,156 | |
| Blue Cross & Blue Shield of Rhode Island | BlueCHiP Direct 5000/10000 WPD | Silver | POS | $642 | $5,000 | $8,000 | $15,706 | |
| Blue Cross & Blue Shield of Rhode Island | BlueCHiP Direct 2300/4600 WPDAcu | Gold | POS | $680 | $2,300 | $4,900 | $13,066 | |
| Blue Cross & Blue Shield of Rhode Island | BlueSolutions for HSA Direct 1900/3800 WPDAcu | Gold | PPO | $702 | $1,900 | $5,600 | $14,026 | |
| Blue Cross & Blue Shield of Rhode Island | VantageBlue Direct Plan 6000/12000 WPD | Silver | PPO | $704 | $6,000 | $9,400 | $17,844 | |
| Blue Cross & Blue Shield of Rhode Island | BasicBlue Direct 2500/5000 WPDAcu | Gold | PPO | $732 | $2,500 | $5,900 | $14,680 | |
| Blue Cross & Blue Shield of Rhode Island | VantageBlue Direct 1500/3000 WPDAcu | Gold | PPO | $778 | $1,500 | $8,000 | $17,335 | |
| Blue Cross & Blue Shield of Rhode Island | VantageBlue Direct Plan 950/1900 WPDAcu Modified | Platinum | PPO | $879 | $950 | $2,500 | $13,048 | |
| Blue Cross & Blue Shield of Rhode Island | VantageBlue Direct Plan 950/1900 WPDAcu | Platinum | PPO | $880 | $950 | $2,500 | $13,066 |
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.