Find Affordable Coverage in Rhode Island
Licensed agents compare all Rhode Island Marketplace plans at no cost to you. See your subsidy in 2 minutes.
Compare Rhode Island ACA Plans →* Referral compensation may apply. Cost to you: $0.
Rhode Island ACA Marketplace Overview
In 2026, approximately 38,000 Rhode Island residents are enrolled in ACA Marketplace coverage. Rhode Island uses its own state-run exchange for health insurance enrollment.
Rhode Island has expanded Medicaid under the ACA, meaning adults earning up to 138% FPL qualify for free or near-free coverage through Medicaid.
How Much Does ACA Coverage Cost in Rhode Island?
The benchmark Silver plan (second-lowest-cost Silver plan) in Rhode Island costs approximately $488/month before subsidies in 2026. However, most Rhode Island residents who qualify for premium tax credits pay significantly less.
- $0/month premium: Possible for Rhode Island households earning up to 150% of the Federal Poverty Level
- Low premiums: Households earning up to 400% FPL qualify for substantial subsidies
- Above 400% FPL: Still eligible if the benchmark plan exceeds 8.5% of household income
Use our ACA Subsidy Calculator to estimate your specific monthly costs based on your Rhode Island household income.
Top ACA Health Insurance Companies in Rhode Island
The following carriers offer ACA Marketplace plans in Rhode Island for 2026:
- Blue Cross Blue Shield RI
- Neighborhood Health Plan
Plan availability varies by county in Rhode Island. Use HealthSource RI to see exact plans available in your ZIP code.
ACA Plan Tiers Available in Rhode Island
- Bronze: Lowest premiums, highest deductibles. Best for healthy Rhode Island residents who rarely need care.
- Silver: Mid-range. Strongly recommended for Rhode Island households earning 100–250% FPL — Silver plans unlock Cost-Sharing Reductions that significantly lower deductibles and copays.
- Gold: Higher premiums, lower out-of-pocket. Best for Rhode Island residents who use healthcare frequently.
- Platinum: Highest premium, lowest cost per service. Available in most Rhode Island counties.
When to Enroll in Rhode Island
- Open Enrollment: November 1 – January 15 on HealthSource RI
- January 1 coverage: Enroll by December 15
- February 1 coverage: Enroll by January 15
- Special Enrollment: Available year-round if you lose job-based coverage, move, get married, or have a baby
Rhode Island Insurance Resources
- HealthSource RI — Official Rhode Island enrollment portal
- Rhode Island Department of Insurance — Plan complaints and consumer protection
- Complete ACA Guide — Full explanation of ACA Marketplace rules
- Subsidy Calculator — Estimate your 2026 premium tax credit