Compare 2026 health insurance in Rhode Island. HealthSource RI, top carriers, metro networks, and a Rhode Island-licensed agent — free.
We are not a Rhode Island state agency, not HealthCare.gov, and not affiliated with any government marketplace. Health Enrollment Center is operated by Sprinter Insurance Agency LLC.
Rhode Island runs its own marketplace, HealthSource RI — not HealthCare.gov — and kept 2026 enrollment open through the end of January. About 39,000 residents enroll through it. It's a small, concentrated market, so the choice is less about how many plans exist and more about which carrier reaches the hospitals you actually use.
The 2026 carriers are Blue Cross & Blue Shield of Rhode Island, Neighborhood Health Plan of Rhode Island, and Tufts Health Plan. Care statewide runs through a few systems — Brown University Health (formerly Lifespan), Care New England, and CharterCARE — and because the state is so compact, most residents can reach any of them, but not every plan carries every system in-network.
We're licensed in Rhode Island and enroll people directly through HealthSource RI. Below is how coverage works here, plus the areas and situations we help with most — the self-employed, families, and early retirees paying their own way above the Medicaid line.
Rhode Island runs its own exchange, HealthSource RI, on its own platform — not HealthCare.gov — with 2026 enrollment open through the end of January.
Rhode Island expanded Medicaid up to 138% of the poverty line, so marketplace premium tax credits generally begin just above that Medicaid floor.
These companies offer individual and family health plans in Rhode Island. We're an independent agency, not an insurance company, and we don't offer every plan available here. Tell us which doctors and hospitals matter to you and we'll show you what we can quote.
Bronze, Silver, Gold and Platinum plans that cover all ten essential health benefits — with premium tax credits for about 4 in 5 enrollees.
Explore →Just got a COBRA letter? Losing job-based coverage opens a 60-day Special Enrollment Period — and because COBRA carries no employer contribution and no premium tax credit, the alternative is often much cheaper.
Explore →Freelancers, contractors, gig workers and small-business owners — coverage that isn't tied to an employer, and may be tax-deductible.
Explore →Plans that scale with your household — pediatric dental and vision included, with networks that keep your kids' doctors in-network.
Explore →Retired before 65? Bridge the gap to 65 without paying retiree-plan or COBRA prices.
Explore →Don't see yours? Call a licensed agent — most answers take under two minutes.
No. Rhode Island runs its own marketplace, HealthSource RI. We're licensed in Rhode Island and enroll you there directly, at no extra cost, and can also show you private off-exchange options it doesn't list.
For lower incomes it's often no-cost Medicaid; above that line, a subsidized HealthSource RI plan is usually cheapest after the premium tax credit. We compare your options for your exact ZIP and income.
In practice no — state rules are strict enough that insurers don't offer short-term policies here. For a coverage gap we'll look at a HealthSource RI plan or a special enrollment period instead.
No. We're a licensed insurance agency paid by the carriers, not by you. The premium of any plan is identical whether you enroll through us or directly with the insurer — you just also get an agent who handles renewals and claims questions.
No. Health Enrollment Center is a brand operated by Sprinter Insurance Agency LLC, a private licensed insurance agency. We are not HealthCare.gov, not a state exchange, and not affiliated with any government agency. We help you enroll in marketplace plans when they're the best fit, and we also show private plans the marketplace doesn't carry.
Start with your ZIP. Two quick questions, then a licensed agent brings you the plans you actually qualify for — no cost, no obligation.