Rhode Island Health Insurance: 2023 Coverage Guide

Rhode Island Affordable Healthcare Insurance

The residents of Rhode Island looking to buy health insurance have a few plan options and they should compare different rates carefully. If you’re an individual buying coverage for yourself or your family, you can get the best value by comparing your options with SmartFinancial. Do note that you may only enroll in a health plan during open enrollment, unless you are eligible for the Special Enrollment Period due to a qualifying event.

When Is Open Enrollment in Rhode Island?

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How to Get Health Insurance in Rhode Island

To figure out which plan fits your needs and which will end up saving you money, we suggest that you look at the number of times you visited a health care provider in the last year, the amount of prescription medications you buy and whether you anticipate the need for increased care in 2023. If you see your health care providers frequently in a given year, a higher premium plan may end up saving you money.

The smartest way to get the best value for health care coverage is to compare health insurance companies and health insurance quotes. After you submit the form you’ll get a list of health insurance rates to choose from. We’ll also connect you with an health insurance advisor in your area so you can ask questions about the plans you’re considering.

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Medicare in Rhode Island

Medicare is government-subsidized health insurance coverage for Americans ages 65 years and older. The government also allows younger people with disabilities to enroll in the program. Individuals with End-Stage Renal Disease (a permanent kidney failure treated with dialysis or a transplant) can also sign up as can some individuals with severe mental health issues. Others who qualify for Medicare disability coverage are individuals with Amyotrophic Lateral Sclerosis (also called Lou Gehrig’s Disease). Most beneficiaries will receive Original Medicare (Parts A and B). Some people buy Medicare Advantage, which includes Part A and B as well as offering vision, dental, and prescription drug coverage.

How Many People Are on Medicare in Rhode Island?

21% of the population of Rhode Island is on Medicare.

How Much Is Medicare in Rhode Island?

If you do not qualify for Medicare, you can buy it for $499 a month for Part A in 2022 and a standard monthly premium for Medicare Part B was $170.10, or even higher depending on income.

Original Medicare vs Medicare Advantage: What’s the Difference?

Medicare is a government-subsidized health plan that is available to qualified Americans age 65 and older. Medicare Advantage is sold through private Medicare, but you may have to sign up if you do not receive payments. The easiest way to enroll in Medicare is by working with a trusted insurance agent to get the coverages you want. Just enter your zip code and answer a few simple questions.

Types of Medicare Plans Available

Original Medicare, Medicare Advantage, Medicare Cost Plans (only offered in certain areas), Demonstration/Pilot Programs (also called Research Studies; only offered in certain areas) and Programs of All-Inclusive Care for the Elderly (PACE).

How Do I Qualify for Medicare?

You must be a citizen of the U.S. or have been a legal resident for at least five years. If you are age 65 or older and you/your spouse have worked for at least 10 years (40 quarters) or you have a disability, Amyotrophic Lateral Sclerosis (ALS) or end-stage renal disease (ESRD), you most likely qualify for Medicare.

How Can I Save on Medicare in Rhode Island?

You can save on Medicare by signing up for Part B as soon as you’re eligible. People who enroll late must pay a penalty every year. If you’re interested in buying Medicare Advantage, you can shop and compare Medicare plans for the best value.

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Rhode Island State Health System Ranking

  • Rhode Island: Overall State Ranking: 7 of 51
  • Rhode Island: Overall Performance: Average
  • Rhode Island: Access & Affordability: 3
  • Rhode Island: Prevention & Treatment: 5
  • Rhode Island: Avoidable Hospital Use & Cost: 26
  • Rhode Island: Healthy Lives: 11
  • Rhode Island: Health Care Disparities: 13

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Rhode Island Health Insurance Coverage

The people of Rhode Island have different kinds of health insurance while some Rhode Island residents are not insured at all. See the breakdown below:

  • Private coverage: 50%
  • Medicaid: 24%
  • Medicare: 21%
  • Uninsured: 5%

Rhode Island Health Insurance Companies

The following carriers offer health insurance and/or Medicare in Rhode Island.

  • United Healthcare Services
  • Cigna Health and Life Insurance Company
  • Tufts Associated Health Maintenance Organization, Inc.
  • Aetna Life Insurance Company
  • Brighton Marine US Family Health Plan

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