Before subsidies, the average benchmark silver plan for a 40-year-old in Rhode Island costs $629 a month for 2027, against a national average of $704. Premium tax credits lower that for many households.
This page lists top-rated local agencies across Rhode Island by city. Every listing shows distance and address, and every city page explains local plan costs. For a side-by-side comparison of carriers, call 866-645-8540 to reach a licensed agent.
How health insurance works in Rhode Island
People in Rhode Island buy marketplace coverage through HealthSource RI. Open enrollment runs from November 1 through January 31. Medicaid (RIte Care) covers adults with income up to 138% of the poverty level. 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. Short-term health plans are not sold in the state.
Agent licensing in Rhode Island
- 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
- 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
- Rhode Island producers need the Accident & Health or Sickness line of authority, which requires a state exam, to sell health insurance. Source
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.
Licensed agents can quote plans from multiple Rhode Island carriers in one call.
Call 866-645-8540Health insurance by city in Rhode Island
- Central Falls
- Cranston
- Cumberland Hill
- East Providence
- Greenville
- Kingston
- Newport
- Newport East
- Pawtucket
- Providence
- Valley Falls
- Wakefield-Peacedale
- Warwick
- Woonsocket