Best 2026 Health Insurance Plans in Rhode Island
Compare 21 ACA Marketplace plans from 2 insurers in Rhode Island. See premiums by metal tier and estimate your subsidy in under a minute.
In Rhode Island, 21 ACA Marketplace health insurance plans from 2 insurers are available for 2026. For a 40-year-old before subsidies, Bronze plans start at $367/month, Silver plans at $488/month, Gold plans at $502/month, and Platinum plans at $879/month. The lowest-priced plan overall is NHP Select 7100/14200 HSA from Issuer 77514 at $367/month. Most enrollees qualify for a premium tax credit that lowers what they actually pay each month.
Lowest-cost plan by tier in Rhode Island
Starting monthly premium for a 40-year-old, before any subsidy. Your price depends on age, income, and county.
Browse 2026 Rhode Island plans by metal tier
Pick a tier to see every on-exchange plan in it, with starting premiums for a 40-year-old before subsidy.
Insurers offering 2026 plans in Rhode Island
Rhode Island health insurance FAQ
Understand what you'd actually pay
- 2026 Federal Poverty Level (FPL) chart
The income table behind subsidy and Medicaid eligibility
- How ACA subsidies work
Premium tax credits and who qualifies
- The 2026 subsidy cliff
Why income near 400% FPL matters again this year
Find your best plan in Rhode Island
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