Rhode Island Health Insurance

Rhode Island residents don’t have to look too far to find a wealth of health care plans and insurance companies. With numerous plans available for students, individuals, and families, you’re bound to find one that meets all of your health care needs.

You’ll be able to find some very helpful information here as you search for suitable health coverage. You’ll also learn about the various insurance laws, rules, and regulations that could apply to you when searching for the perfect health plan. See what some of the top Rhode Island insurance carriers have to offer in the way of coverage and rates. You’ll also be provided with information regarding the different financial assistance possibilities available to you and news on public Rhode Island health insurance programs.

If you fill in the simple form below you’ll be able to obtain free, instant quotes on a variety of Rhode health insurance plans and you’ll be able to compare them with each other.

If you don’t happen to reside in Rhode Island at the moment you’ll be able to quickly search for health insurance by state.

Resources on this page

Rhode Island Health Insurance Laws and Regulations

Public Health Insurance Programs for Rhode Island Residents

Rhode Island Health Insurance High Risk Pools

Rhode Island Health Insurance Companies

Contact Info for the Rhode Island Insurance Administration and Department of Health

Rhode Island Health Insurance Stats

Rhode Island Residents: 1,037,000
Median Annual Household Income: $52,142
Households with at least 1 full time worker: 471,000
Rhode Island Health Insurance Coverage based on Total Population (%):

• Employer: 51%
• Individual: 4%
• Medicaid: 17%
• Medicare: 15%
• Uninsured: 12%

Avg. Annual Employee Premium in Rhode Island employer-sponsored plan (after employer contrib.): $1,388
Avg. Monthly Rhode Island Individual Premiums: $344
Total Rhode Island HMO Enrollment: 196,739

Rhode Island Health Insurance Laws and Regulations

As you look for Rhode Island health insurance, there are a few different state laws and regulations you should know.

Rhode Island is a guarantee issue state for individuals who have 12 months of prior coverage and do not have any breaks for that year. With guarantee issue, an individual can get health insurance coverage without being denied for pre-existing conditions and will not experience lapses in coverage for a condition.

Individuals in Rhode Island can be turned down coverage due to pre-existing conditions or face waiting periods for health insurance coverage for conditions. However, Rhode Island does have high risk pools that people with pre-existing conditions can apply for and obtain affordable health insurance.

Residents who recently left a group health insurance policy from an employer and are HIPAA-eligible cannot be turned down coverage or be given an exclusion period for medical conditions.

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Rhode Island Health Insurance Public Programs

There are many Rhode Island health insurance public programs that help low-income residents get health insurance coverage.

• Medicaid
  The Medicaid program in Rhode Island provides low-income adults, children, pregnant women and disabled citizens health insurance coverage. To learn more about Medicaid in Rhode Island visit here.


• HEALTHpact Plans
  HEALTHpact is for Rhode Island businesses that have 1-50 employees. The plan provides small businesses affordable health care options for employees. For more information on the Rhode Island health insurance plan visit their site.


• RIte Share
  RIte Share is a Rhode Island health insurance program that helps families afford health insurance from an employer. Eligibility for this program depends on income levels and family size. Pregnant women, children and parents with children can all benefit from this program. For more information visit their site here.


• Rhode Island Medicare
  Seniors can find Rhode Island health insurance through Medicare Advantage, Supplement and Original Medicare.

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Rhode Island Health Insurance High Risk Pool

Residents in Rhode Island with medical conditions can get health insurance from a high risk pool set up by the Patient Protection and Affordable Care Act.

The Pre-Existing Condition Insurance Plan (PCIP) in Rhode Island will run similar to regular Rhode Island health insurance plans. The plans will require enrollees to pay affordable premiums and out-of-pocket costs.

Enrollees in the Rhode Island PCIP will pay around the same amount that people without pre-existing conditions pay for health insurance. There will also be a deductible that must be met with the plans before coverage for health insurance benefits begin.

People in Rhode Island with medical conditions will have coverage for emergency services, doctor and hospital visits, prescription drugs and more.

Individuals may apply for the Rhode Island PCIP program if they are a United States citizen, have a pre-existing condition and have been without health insurance for six months.

For more information on the Rhode Island health insurance high risk pools visit http://www.healthcare.gov/index.html.

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The following list of companies offer Rhode Island health insurance plans:

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Rhode Island Insurance Department and Department of Health

Find the contact information for the Rhode Island health insurance and health departments at:

Go to Top of the Rhode Island Health Insurance Page