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. Below you'll find how coverage works in Providence, the local agencies with the strongest reviews, and where to get free help.
Top-rated health insurance agencies near Providence
Licensed agents can compare plans available in Providence County, check your doctors and estimate your premium tax credit. Free to you.
Call 866-645-8540Health insurance at a glance: Providence, RI
| Where to enroll | HealthSource RI |
|---|---|
| Average benchmark silver, age 40 (2027) | $629/mo before subsidies |
| Marketplace insurers in Rhode Island (2027) | 2 |
| Medicaid expansion | Yes |
| Short-term plans | Not sold |
Sources: CMS plan data, KFF, state marketplace and insurance department pages.
Local health care in Providence
- Brown University Health, the Providence-based nonprofit system behind Rhode Island Hospital, Hasbro Children's and The Miriam Hospital, is a network worth checking in any plan's provider directory before you enroll. Source
- Care New England, which runs Women & Infants Hospital and Butler Hospital in Providence, is the other major local network to confirm when comparing plans. Source
- Rhode Island has no local health departments, so Providence residents are served directly by the statewide Rhode Island Department of Health (RIDOH). Source
Before you choose a plan, check that the hospitals and doctors you use are in its network. An agent can look that up for each plan you compare.
Before you call an agent
- Make a list of your doctors, hospitals and prescriptions before you call anyone.
- Have a realistic estimate of next year's household income; subsidies are based on it.
- Write down the enrollment deadline and confirm your first premium payment.
- Check that the agent's license is active with the state regulator.
Free enrollment help in Rhode Island
HealthSource RI Navigators and Certified Application Counselors, trained and certified through the Rhode Island Health Center Association, provide free, unbiased in-person enrollment help. You can search for in-person help on the official find-help page. If you'd rather have someone compare plans and recommend one, a licensed agent can do that at no cost to you.
Frequently asked questions
Which insurers sell marketplace plans in Rhode Island?
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.
How much is health insurance in Providence?
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 licensed agent can quote your exact price.
Where can I buy health insurance in Providence?
Through the HealthSource RI, directly from an insurer, or with a licensed agent or broker who can do either.
Health insurance in nearby cities
- East Providence, RI 3 miles
- Pawtucket, RI 4 miles
- Central Falls, RI 5 miles
- Cranston, RI 5 miles
- Valley Falls, RI 7 miles
- Greenville, RI 8 miles
- Warwick, RI 8 miles
- Cumberland Hill, RI 11 miles
- Woonsocket, RI 13 miles
- Newport East, RI 22 miles