Before subsidies, the average benchmark silver plan for a 40-year-old in Rhode Island costs $629 a month for 2027 (the national average is $704). Premium tax credits bring that down for many households, depending on income and family size.
A health insurance broker in Wakefield-Peacedale works for you, not for one insurance company. Brokers are licensed in Rhode Island to sell plans from several carriers, so one conversation can cover marketplace plans, off-exchange plans and other options side by side. Below are 10 brokerages near Wakefield-Peacedale, sorted by distance.
Health Insurance Brokers near Wakefield-Peacedale
Licensed agents can compare plans available in Washington County, check your doctors and estimate your premium tax credit. Free to you.
Call 866-645-8540What a broker can compare for you
Premiums, deductibles and out-of-pocket maximums; which doctors and hospitals are in each network; whether your prescriptions are covered; and whether you qualify for a premium tax credit.
Broker or agent: what's the difference?
A captive agent sells one company's plans. An independent agent or broker is appointed with several insurers and can compare them. In everyday use the words overlap, so ask any office which carriers it can quote in Rhode Island.
Do brokers cost more?
No. Health insurers pay brokers a commission that's already part of the premium. You pay the same price for a plan whether you buy it yourself or through a broker.
Carriers a Wakefield-Peacedale broker can quote
For 2027, marketplace plans in Rhode Island come from 2 insurers: Blue Cross Blue Shield of Rhode Island and Neighborhood Health Plan of Rhode Island. Not every insurer sells in every county. An independent broker appointed with several of them can compare prices and networks side by side.
How to get ready
- Check that the agent's license is active with the state regulator.
- Make a list of your doctors, hospitals and prescriptions before you call anyone.
- Compare total yearly cost (premiums plus deductible), not just the monthly premium.
- Have a realistic estimate of next year's household income; subsidies are based on it.
Checking an agent's license in Rhode Island
- Rhode Island offers a License Verification Look-Up Service, run by the Insurance Division together with the NAIC, that lets anyone check the license status of an insurance producer. Source
- The Insurance Division of the Rhode Island Department of Business Regulation licenses insurance producers and oversees insurers in the state. Consumers can file an insurance complaint with the division. Source
Frequently asked questions
Can a broker help me get a subsidy?
Yes. Brokers certified with the marketplace can estimate your premium tax credit and enroll you in a subsidized plan.
Is there a fee to use a broker?
Most health insurance brokers charge nothing to individuals and families; the insurer pays them. Ask up front if you're unsure.
When can I buy a plan?
During open enrollment (Nov 1 to January 31 on the HealthSource RI), or within 60 days of a qualifying life event such as losing other coverage, moving, marriage or a new baby.
Brokers in nearby cities
- Kingston, RI 2 miles
- Newport, RI 10 miles
- Newport East, RI 12 miles
- Warwick, RI 18 miles
- Pawcatuck, CT 19 miles
- Cranston, RI 22 miles
- East Providence, RI 26 miles
- Providence, RI 26 miles
- Jewett City, CT 27 miles
- Conning Towers Nautilus Park, CT 30 miles