Rhode Island Health Insurance Made Affordable
Rhode Island Health Insurance helps protect your health and financial security. At Vivna Insurance, we help individuals, families, and small businesses compare affordable plan options so they can choose coverage with confidence.
- π Where to EnrollHere with Vivna
- π₯ MedicaidExpanded
- β±οΈ Short-TermACA plans only
- π State MandateCoverage required
π€ Why Rhode Island Families Choose Vivna
Shopping for Rhode Island Health Insurance should feel simple, not stressful. So Vivnaβs licensed agents compare plans from leading carriers and explain every option in plain language.
Because we work for you, not one insurance company, our advice stays honest and focused on your budget. Have questions? Then call 888-730-6001 to talk with an agent today.
Personalized Support
One licensed agent guides you from your first question through enrollment, so nothing slips.
Licensed Nationwide
Our agents also serve individuals and families across 48+ states.
Choose Your Carrier
Compare top carriers side by side instead of one companyβs plans.
No Cost to You
Our guidance is free, and you also pay the same premium as buying direct.
Carriers our agents work withTap a logo to learn more β
π§ Rhode Island Health Insurance Options
Wondering what Rhode Island Health Insurance options fit your family? So below are the plans our licensed agents can help Rhode Island residents compare. Some open only during enrollment, while others accept applications year-round.
π©Ί Health Coverage Plans
π‘οΈ Added Protection & Assistance
ACA Marketplace Plans
Best for: full coverage and income-based savings
- Covers pre-existing conditions and also essential health benefits
- Premium tax credits, so costs follow your income
- Enroll through HealthSource RI
Dental & Vision Insurance
Best for: cleanings, fillings, eye exams, and glasses
- Plans from UnitedHealthcare, Aflac, Cigna, and Aetna
- Add to any health plan, or also buy on its own
- Many plans cover preventive visits at 100%, so checkups cost less
Life Insurance
Best for: protecting your familyβs income
- Term and whole life options
- Coverage sized to your budget, so premiums stay manageable
- Simple applications, because a licensed agent helps
Supplemental Insurance
Best for: help with high deductibles and surprise bills
- Accident, critical illness, and hospital indemnity plans
- From UnitedHealthcare, Aflac, Cigna, Aetna, and Mutual of Omaha
- Cash benefits paid to you, so you decide how to use them
Medicaid & CHIP
Best for: households with very low income
- Rhode Island covers adults up to 138% of the poverty level
- Children may also qualify for CHIP at higher incomes
- We help you check first, before you buy a plan
π ACA Plan Tiers at a Glance
How to choose a metal tierNot sure which option fits? Then call 888-730-6001 and an agent will compare them with you.
β Rhode Island Health Insurance FAQs
Rhode Island Health Insurance rules change every season, from enrollment dates to the savings you can get. So below, we answer the top questions about the upcoming open enrollment on HealthSource RI.
- ποΈOpen EnrollmentThrough Jan 31
- πWhere to EnrollHealthSource RI
- π₯MedicaidExpanded
ποΈ Enrollment, Costs & Savings
01When is open enrollment for Rhode Island Health Insurance?
HealthSource RI open enrollment runs through January 31. Enroll early in the window so coverage can start January 1. Outside that window, however, you need a qualifying life event, such as losing coverage, moving, or having a baby. Our open enrollment guide also covers each step, and this article explains how to buy coverage after open enrollment.
02Can I get help paying for Rhode Island Health Insurance?
Yes, and many households still qualify for federal premium tax credits. In general, you may qualify if your income falls between 138% and 400% of the federal poverty level. However, the extra federal credits from recent years have ended, so households above 400% no longer get help. Rhode Island is also adding new state premium help for some residents this season. Also, estimate your income carefully, because you may owe back the full difference at tax time. Next, learn how health insurance subsidies work, or explore income-based coverage options.
03Are Rhode Island Health Insurance premiums going up?
Regulators approved an average increase of about 12.4% for Rhode Island marketplace plans for the coming plan year. Because your current plan may cost noticeably more, comparing plans this season is more important than usual. Before you renew, also read what affects your monthly premium.
π₯ Coverage Choices in Rhode Island
04Does Rhode Island offer Medicaid for low-income adults?
Rhode Island expanded Medicaid for adults earning up to 138% of the federal poverty level. New federal work requirements for many expansion adults are scheduled to begin in January. If your income changes, also update your application so you land in the right program. Otherwise, see low-income coverage options without Medicaid if you earn too much to qualify.
05Do I have to have health insurance in Rhode Island?
Yes. In fact, Rhode Island charges a state tax penalty if you go without qualifying coverage, unless you qualify for an exemption. Also, a marketplace plan, job-based plan, or Medicaid all count as coverage. Not sure your plan qualifies? Then review what health insurance covers.
06How can a licensed agent help me choose Rhode Island Health Insurance?
First, our licensed agents compare plans, check your savings, and confirm your doctors are in network. Best of all, there is no cost for this help. So call 888-730-6001 or request a free quote online today. You can also browse our health insurance FAQ page or meet the Vivna team.
Information reflects the upcoming open enrollment season and may change. Call 888-730-6001 to confirm your options.
π Rhode Island Health Insurance Tips & Guides
Rhode Island Health Insurance decisions are easier when you know the basics. So our licensed agents write these guides to explain coverage, costs, and enrollment. Then, if a question comes up after reading, call 888-730-6001 anytime.
π More Guides for Rhode Island Shoppers
𧩠Plans, Carriers & FAQs
π Questions? Talk With a Licensed Agent in Rhode Island
Rhode Island Health Insurance can feel confusing, but you never have to sort it out alone. Instead, our licensed agents compare health, dental, vision, life, and supplemental plans for you.
Best of all, our help costs you nothing. So request your free quote online, or call 888-730-6001 to speak with an agent today.
Prefer email? Then visit our contact page to reach our team.
How it works
- πCall or request a quoteTell us your zip code, budget, and doctors.
- πWe compare your plansAn agent checks carriers and savings side by side.
- β You choose and enrollPick the plan you like, and we handle the paperwork.