Find affordable health insurance plans in Rhode Island. As an independent broker licensed in all 50 states, we compare ACA, private, and Medicare options with no fees and no pressure.
Get Your Free Rhode Island QuoteRhode Island has one of the lowest uninsured rates in the country, but plan choice is limited — picking the right primary care network is the key decision.
Rhode Island operates its own marketplace, HealthSource RI. Strong Medicaid expansion plus state subsidies keep uninsured rates low.
Most Rhode Island households earning under 400% of the federal poverty level qualify for premium tax credits — often reducing monthly premiums by 50–90%. We can verify your subsidy eligibility in minutes and quote plans against your specific doctors and prescriptions.
Visit HealthSource RI ↗For Rhode Island residents who don't qualify for ACA subsidies — typically higher-income earners and business owners — private (non-marketplace) plans offer year-round enrollment and broader provider networks.
Our brokerage works with all major carriers operating in Rhode Island, so we can quote both ACA and private plans side-by-side and let the math speak for itself.
Rhode Island residents turning 65 or already on Medicare have hundreds of plan combinations to choose from. We help compare Medicare Supplement (Medigap), Medicare Advantage, and Part D drug plans across Providence, Warwick, Cranston, and the rest of Rhode Island.
Compare Medicare plans →Including Providence, Warwick, Cranston, Pawtucket, East Providence and every other city, town, and county in the state.
Rhode Island Open Enrollment for ACA marketplace plans runs annually from November 1 through January 15. Outside this window, you'll need a Qualifying Life Event (marriage, birth, job loss, move) to enroll. Private (non-marketplace) plans, Medicare, and short-term plans are available year-round.
Premiums in Rhode Island vary by age, ZIP code, plan tier, and tobacco use. Most households earning under 400% of the federal poverty level qualify for premium tax credits that reduce monthly costs by 50–90%. We'll quote your exact subsidy in minutes — there's no fee to compare.
No. As an independent broker we can enroll you directly through HealthSource RI for subsidy-eligible plans, or quote private off-marketplace plans if you don't qualify for a subsidy. Either way, the price is identical to going direct — carriers pay our commission, never you.
Yes. Sentinel Family Insurance is a licensed independent brokerage authorized to sell health, life, Medicare, and annuity products in all 50 states, including Rhode Island.
We're licensed in all 50 states. Browse a few popular destinations or see the full list.
See all 50 states →A licensed advisor will compare plans available in Rhode Island and respond within 1 business day. No fees, no pressure.
By calling the number above, you will be connected to a licensed insurance agent.