Health insurance cost in Rhode Island
If you're moving to Rhode Island without job-based coverage, here's what a Marketplace plan costs before subsidies. Rhode Island ranks #10 of 51 for the lowest benchmark premium.
Monthly premium by age
| Age | Benchmark silver | Cheapest bronze |
|---|---|---|
| 21 | $396 | $287 |
| 30 | $449 | $326 |
| 40 | $506 | $367 |
| 50 | $707 | $513 |
| 60 | $1,075 | $780 |
| 64 | $1,188 | $861 |
Scaled from the age-40 average with the federal default age curve, which lets insurers charge a 64-year-old up to 3× what a 21-year-old pays. Excludes tobacco surcharges.
The Rhode Island benchmark rose 19% for 2026, less than the 26% national increase, leaving it 19% below the U.S. average for a 40-year-old.
What is different in Rhode Island
- Where to enroll
- HealthSource RI
- Open enrollment for 2027
- Ends Jan 31
- Marketplace insurers, 2026
- 2
- Medicaid expansion
- Since Jan 2014
- Penalty if uninsured
- Yes, at tax time
- Average paid after credits, 2026
- $246/mo
- Where and when. Rhode Island runs its own marketplace, HealthSource RI, so you apply there rather than at HealthCare.gov. HealthSource RI lists January 31, 2027 as the last day to sign up for 2027 coverage.
- Choice of insurers. 2 insurers sell Marketplace plans in Rhode Island for 2026, the same number as in 2025. With so few to choose from, check that your doctors are in a plan's network before you pick it. 43,446 people picked a Marketplace plan here for 2026, up 3% from 2025, one of 10 states (counting DC) where sign-ups rose even as the enhanced federal credits ran out.
- What enrollees paid. Enrollees here paid an average of $246 a month after tax credits for 2026, up 59% from the $155 they paid for 2025 (U.S. average: $178). Before credits, the plans they chose averaged $649.
- Medicaid. Rhode Island expanded Medicaid in January 2014, when the ACA expansion took effect. Adults with income up to 138% of the federal poverty level can generally get Medicaid instead of a Marketplace plan.
- Going uninsured. Rhode Island requires residents to have coverage. The penalty is the greater of 2.5% of household income above the filing threshold or $695 per adult plus $347.50 per child under 18. In 2024, 4.8% of residents had no health insurance (U.S.: 8.2%), and 5.5% bought their own coverage.
Subsidies in 2026
The enhanced premium tax credits of 2021–2025 expired, so 2026 follows the original ACA rules: credits are available for household incomes between 100% and 400% of the federal poverty level, and you're expected to pay between about 2.1% and 9.96% of income for the benchmark plan. Above 400% there's no federal credit. Check your price at HealthSource RI.
Frequently asked questions
How much is health insurance in Rhode Island in 2026?
The benchmark silver plan for a 40-year-old averages $506 a month before subsidies, and the cheapest bronze plan $367 (KFF analysis of CMS data). That's up 19% from 2025.
How much does health insurance cost for a 60-year-old in Rhode Island?
About $1,075 a month for the benchmark silver plan before subsidies, using the federal default age curve.
Is there a penalty for not having health insurance in Rhode Island?
Yes. Rhode Island requires residents to have coverage. The penalty is the greater of 2.5% of household income above the filing threshold or $695 per adult plus $347.50 per child under 18.