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Rhode Island Health Insurance

  • Blue Cross Blue Shield of Rhode Island
  • Nieghborhood Health Plan of Rhode Island
  • United Healthcare of New England

Learn more about each insurance carrier here: Cigna, Cigna PDP

Compare health insurance quotes from nearby states: Connecticut Health Insurance, New Jersey Health Insurance

Rhode Island Health Insurance - The Individual Market

In Rhode Island medical underwriting is allowed without restriction. There is a 36 month look back and 12 month exclusionary period for preexisting conditions for those without prior health insurance.

In Rhode Island, individuals who have had at least 12 months of prior coverage are guaranteed coverage by any individual carrier in Rhode Island. Blue Cross Blue Shield of Rhode Island voluntarily offers individual health insurance to those who have not had 12 months of continuous coverage.

Rhode Island Group Health Insurance (Small Business: 1-50 employees)

In Rhode Island, medical underwriting is allowed. There is no look back or exclusionary periods allowed with small group coverage.

Rhode Island COBRA Individual Health Coverage

Rhode Island offers COBRA, the Consolidate Omnibus Budget Reconciliation Act of 1985. Many companies with 20 or more employees that offer health insurance are required to offer employees and their dependents continuation coverage for benefits that were lost due, for example, to job loss, reduction in hours worked, death, or divorce.

Medicaid and Medicare in Rhode Island

Medicaid is a state/federal program that pays for medical and long-term care services for low-income pregnant women, children, certain people on Medicare, disabled individuals and nursing home residents. These individuals must meet certain income and other requirements.

Income requirements

Children (ages 1-5)-250% of the Federal Poverty Level
Children (Ages 6-19)-250% of the Federal Poverty Level

Pregnant Women and Infants
Pregnant Women-250% of the Federal Poverty Level
Infants (ages 0-1)-250% of the Federal Poverty Level

Non Working Parents- 185% of the Federal Poverty Level
Working Parents- 192% of the Federal Poverty Level

Other populations
Medically Needy Individual- 87% of the Federal Poverty Level
Medically Needy Couple- 69% of the Federal Poverty Level
Supplemental Security Income Recipients- 74% of the Federal Poverty Level
Aged, blind, and disabled- 100% of the Federal Poverty Level

Covered Services
Inpatient hospital services, inpatient psychiatric hospital services, outpatient hospital services, clinic and emergency room care, laboratory and x-rays, pharmacy, physician services, pharmacy services, dental services, clinical laboratory services, durable medical equipment, surgical appliances, and prosthetic devices, certified home health agency services, podiatry services, ambulance services, community mental health center services, substance abuse services, nursing facilities services, optometry services, intermediate care facility and day treatment services for the mentally retarded, hospice, organ transplants, therapy, such as physical therapy, occupational therapy, and speech therapy, vision care, skilled nursing care, transportation, early and periodic screening, diagnosis and treatment.

There are no co-payments.

You may learn more about Rhode Island Medicaid at

Click here to learn more information about Rhode Island Medicare plans and pricing.

Other Rhode Island Health Insurance Programs

Rhode Island offers RIte Care and RIte Share to children up to the age of 19 and pregnant women, whose income levels are up to 250% of the Federal Poverty Level, as well as parents whose income is up to 185% of the Federal Poverty Level. Individuals must be Rhode Island residents and legal U.S. residents and have no other insurance coverage. Please visit the RIte Care website for more detailed information at