Health Insurance in Providence County, RI
Compare 81 ACA plans and check your subsidy eligibility.
2025 Plan Year Data2026 data from CMS pending
Expanded Bronze only
Bronze from
Not available
Silver from
Not available
Gold from
Not available
Benchmark (SLCSP)
Expanded Bronze Plans (4)
Like Bronze but with some services covered before you meet your deductible.
Neighborhood INNOVATION
HMO · Neighborhood Health Plan of Rhode Island
$299/mo
Age 40 premium
Neighborhood ECONOMY
HMO · Neighborhood Health Plan of Rhode IslandHSA
$309/mo
Age 40 premium
BlueSolutions for HSA Direct 6300/12600 WPD
PPO · Blue Cross Blue Shield of Rhode IslandHSA
$383/mo
Age 40 premium
BlueSolutions for HSA Direct 6300/12600 WPDAB
PPO · Blue Cross Blue Shield of Rhode IslandHSA
$384/mo
Age 40 premium
Silver Plans (7)
Middle ground. Required for cost-sharing reductions if your income is 100-250% FPL.
Neighborhood COMMUNITY
HMO · Neighborhood Health Plan of Rhode IslandHSA
$404/mo
Age 40 premium
Neighborhood VALUE
HMO · Neighborhood Health Plan of Rhode Island
$425/mo
Age 40 premium
Neighborhood VALUE Modified
HMO · Neighborhood Health Plan of Rhode Island
$426/mo
Age 40 premium
BlueCHiP Direct Advance 4950/9900 WPD
POS · Blue Cross Blue Shield of Rhode Island
$454/mo
Age 40 premium
BlueCHiP Direct 5000/10000 WPD
POS · Blue Cross Blue Shield of Rhode Island
$524/mo
Age 40 premium
BlueSolutions for HSA Direct 4100/8200 WPD
PPO · Blue Cross Blue Shield of Rhode IslandHSA
$529/mo
Age 40 premium
VantageBlue Direct Plan 6000/12000 WPD
PPO · Blue Cross Blue Shield of Rhode Island
$575/mo
Age 40 premium
Gold Plans (7)
Higher premium, lower out-of-pocket. Good if you use medical services regularly.
Neighborhood ESSENTIAL
HMO · Neighborhood Health Plan of Rhode Island
$428/mo
Age 40 premium
BlueCHiP Direct Advance 2300/4600 WPD
POS · Blue Cross Blue Shield of Rhode Island
$482/mo
Age 40 premium
BlueCHiP Direct 2300/4600 WPDAcu
POS · Blue Cross Blue Shield of Rhode Island
$561/mo
Age 40 premium
BlueSolutions for HSA Direct 1700/3400 WPDAcu
PPO · Blue Cross Blue Shield of Rhode IslandHSA
$594/mo
Age 40 premium
BasicBlue Direct 2500/5000 WPDAcu
PPO · Blue Cross Blue Shield of Rhode Island
$598/mo
Age 40 premium
VantageBlue Direct 1500/3000 WPDAcu
PPO · Blue Cross Blue Shield of Rhode Island
$632/mo
Age 40 premium
Platinum Plans (2)
Highest premium, lowest cost-sharing. Best for people with frequent medical needs.
VantageBlue Direct Plan 750/1500 WPDAcu Modified
PPO · Blue Cross Blue Shield of Rhode Island
$736/mo
Age 40 premium
VantageBlue Direct Plan 750/1500 WPDAcu
PPO · Blue Cross Blue Shield of Rhode Island
$738/mo
Age 40 premium
Rhode Island Expanded Medicaid
Adults with income up to 138% FPL may qualify for Medicaid in Rhode Island — often with $0 premiums.
Check Medicaid Eligibility