Rhode Island Health Insurance Carriers for 2026
These are the insurers selling individual and family health plans in Rhode Island for 2026, and where to buy them.
The Rhode Island individual market in 2026
Rhode Island's individual market is small, with two insurers selling Marketplace plans for 2026: Blue Cross & Blue Shield of Rhode Island and Neighborhood Health Plan of Rhode Island. Average full-price premiums rose about 21% for 2026, and approved increases for 2027 average 12.4%. Since the whole state is one pricing area, the same plan costs the same everywhere in Rhode Island.
Insurers selling individual plans in Rhode Island
| Insurer | Sells Marketplace plans | Notes |
|---|---|---|
| Blue Cross & Blue Shield of Rhode Island | Yes | One of the two insurers selling individual and family Marketplace plans statewide for 2026, and it also sells small-employer plans through the exchange. Its approved average rate increase for 2027 is 4.9%. |
| Neighborhood Health Plan of Rhode Island | Yes | The other insurer offering individual and family Marketplace plans for 2026, and it also offers small-employer coverage through the exchange. Its approved average rate increase for 2027 is 15.8%. |
Not every insurer sells in every county. Your ZIP code determines which plans you can buy.
Rhode Island questions
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Two: Blue Cross & Blue Shield of Rhode Island and Neighborhood Health Plan of Rhode Island. Both sell individual and family plans as well as small-employer plans through the exchange.
KFF puts the 2026 average benchmark Silver premium for a 40-year-old at $506 a month before subsidies. HealthSource RI reports the average premium across its customers was $662 a month before credits and $172 after.
Yes. Approved increases for 2027 average 12.4% before subsidies: 4.9% for Blue Cross & Blue Shield of Rhode Island and 15.8% for Neighborhood Health Plan of Rhode Island. Insurers had asked for increases averaging more than 20%.
Sources
Reviewed October 2026. Rules and prices change every year; a licensed agent will confirm what applies to you.
- healthinsurance.org: Rhode Island health insurance marketplace guide (updated Sept. 2026)
- HealthSource RI: Annual Open Enrollment Period Begins Nov. 1 (Oct. 31, 2025)
- HealthSource RI: Open Enrollment 2026 closes with falling enrollment trend (Mar. 9, 2026)
- KFF: Average Marketplace premiums by metal tier, 2026
