How much does health insurance cost in Rhode Island in 2026?
Rhode Island runs its own health insurance marketplace, so this page uses statewide 2026 estimates plus private plan ranges; enter your ZIP in the tool for your household.
Monthly premiums by tier and age
| Tier | Age 21 | Age 30 | Age 40 | Age 50 | Age 60 |
|---|---|---|---|---|---|
| Bronze | $287–$398 | $326–$452 | $367–$509 | $513–$711 | $780–$1,081 |
| Silver | $391–$516 | $444–$585 | $499–$659 | $698–$921 | $1,061–$1,399 |
| Gold | $394–$551 | $447–$626 | $503–$704 | $703–$984 | $1,068–$1,496 |
Rhode Island runs its own marketplace, which is not in the federal plan file, so these are statewide estimates built from the 2026 benchmark premium (KFF) and the tier spreads seen in HealthCare.gov states. The state marketplace, HealthSource RI, has the exact county plans.
Ranges at a glance (age 40)
What a tax credit does (statewide estimate)
| Household | % of poverty level | Estimated tax credit | Cheapest Bronze, full → after credit |
|---|---|---|---|
| A single 40-year-old earning $40,000 | 255% | $219/mo | $367 → $148 |
| A family of four (parents 40 and 38, two kids) earning $85,000 | 264% | $976/mo | $1,165 → $189 |
2025 federal poverty guidelines apply to 2026 coverage; the enhanced credits of 2021–2025 expired, so the 400% cutoff is back (for one person that is $62,600 a year, for four $128,600). The Marketplace sets the final credit.
See your own numbers for Rhode Island
Enter your age, household and income and get every Marketplace plan priced for you, your estimated tax credit, and a private plan range, side by side, in about 30 seconds. No medical questions.
Private plans in Rhode Island
Private plan pricing for Rhode Island is not loaded online yet; an advisor quotes it by phone.
Rhode Island counties
Questions people ask
How much is health insurance in Rhode Island per month?
For a 40-year-old paying full price in 2026, Marketplace Bronze plans typically run $367 to $509 a month across Rhode Island counties, Silver $499 to $659, and the silver benchmark that tax credits are based on is about $506. Most people who qualify for a credit pay far less; see the examples above.
Does Rhode Island have Medicaid expansion?
Yes. Households under 138% of the federal poverty level are generally covered by Medicaid rather than a Marketplace credit.
Where do Rhode Island residents enroll in a Marketplace plan?
Rhode Island runs its own marketplace, HealthSource RI. Open Enrollment dates are set by the state each fall; outside the window you need a qualifying life event.
Are private health plans cheaper than the Marketplace in Rhode Island?
It depends on your health and income; the tool compares both for your household.
Sources: CMS QHP Landscape PY2026 Individual Medical (data.healthcare.gov, snapshot August 4, 2026); KFF marketplace benchmark premiums; HHS 2025 poverty guidelines; IRS Rev. Proc. 2025-25; private ranges from the carrier rate tables our advisors quote from. Page generated 2026-09-29.