Health insurance in Rhode Island is sold through HealthSource RI, with an estimated 20-35 plans available for 2026. The average Silver-tier premium is $410/mo before subsidies for a 40-year-old non-smoker. Medicaid status: Expanded.
Marketplace
HealthSource RI
HealthSource RI
Avg Silver Premium
$410/mo
Before tax credits, age 40
Medicaid
Expanded
Affordable Care Act status
| Field | Value | Notes |
|---|---|---|
| Marketplace | HealthSource RI | State-run exchange |
| Open Enrollment 2026 | Nov 1, 2025 – Jan 31, 2026 | Special enrollment for QLEs year-round |
| Plans available | 20-35 | Bronze/Silver/Gold/Platinum tiers |
| Medicaid expansion | Expanded | Up to 138% FPL |
Premium and plan counts are estimates for 2026 based on prior-year filings and pending rate approvals. Always verify pricing on the marketplace itself before enrolling.
Rhode Island's HealthSource RI is one of the smaller state-based exchanges by enrollment, but the state consistently achieves very high marketplace participation rates relative to its population. The marketplace offers 20–35 plans, with BCBS RI as the dominant carrier. Silver premiums average $400–$420/month for a 40-year-old before subsidies, moderate for the Northeast. Rhode Island's compact geography and largely urban/suburban character support good network adequacy throughout the state. HealthSource RI extends enrollment through January 31.
Rhode Island expanded Medicaid (RIte Care) under the ACA and has maintained broad coverage access. The state runs a continuous Medicaid eligibility process and has pursued automatic enrollment initiatives to reduce churning. Rhode Island's small size and well-developed social services infrastructure have contributed to low uninsured rates. The state has also extended coverage to children and pregnant women regardless of immigration status. HealthSource RI's small scale allows for personalized navigator assistance and community-based enrollment events.
Leading 2026 ACA carriers in Rhode Island: Blue Cross Blue Shield of Rhode Island, UnitedHealthcare, Tufts Health Plan. Plan selection and network breadth vary widely by ZIP code — use the marketplace's plan-finder tool with your ZIP and household income for accurate availability.
Rhode Island operates its own state-based exchange (HealthSource RI) and extended open enrollment through January 31. The state has one of the highest ACA enrollment rates per capita.
Rhode Island expanded Medicaid under the ACA. Adults under 138% of the Federal Poverty Level (FPL) qualify — about $20,800/yr for an individual or $43,000/yr for a family of 4 in 2026.
💡 Rhode Island Pro Tip
Rhode Island operates its own state-based exchange called HealthSource RI at healthsourceri.com.
A 40-year-old non-smoker in Rhode Island typically pays about $400–$420/month for a Silver plan before subsidies.
Yes. Rhode Island expanded Medicaid (RIte Care) under the ACA. Adults earning up to 138% FPL are generally eligible.
Marketplace data sourced from state and federal exchange filings for Rhode Island, April 2026. Premium estimates are 2026-projected.
Jennifer Walsh
Editorial Lead, Health & Medicare
This article was researched and written by the Cover Forge USA editorial team against federal sources (NAIC, CMS, FEMA, DOL, SSA, state DOIs) and standard policy forms. Bylines organize content by topic — they do not assert individual licensure. See our editorial-policy for details.
Reviewed April 2026
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