Rhode Island
Cheapest ACA plans in Bristol County, Rhode Island for 2026
Plan year 2026, last refreshed 2026-04-19T08:08:55.462Z.
Bristol County, Rhode Island has 2 on-exchange carriers offering 21 plans for 2026. The cheapest Bronze plan a 40-year-old can enroll in is Neighborhood Health Plan of Rhode Island Neighborhood SELECT 7100/14200 HSA WA WPD at $367 per month before subsidies.
Cheapest plans by metal tier
Lowest 2026 monthly premium for a single 40-year-old in Bristol County, on-exchange, before any subsidy. Per-age figures derived from the CMS QHP Landscape file using the HHS standardized age-rating curve (45 CFR 147.102).
| Tier | Cheapest age 40 monthly | Plans in Bristol County |
|---|---|---|
| Expanded Bronze | $367 | 5 |
| Silver | $488 | 7 |
| Gold | $502 | 7 |
| Platinum | $879 | 2 |
The actual cheapest Bronze plan in Bristol County
Neighborhood Health Plan of Rhode Island Neighborhood SELECT 7100/14200 HSA WA WPD
$367/moFor a family of four (two 40-year-olds and two kids under 14): Neighborhood Health Plan of Rhode Island Neighborhood SELECT 7100/14200 HSA WA WPD at $1,172/month before subsidies.
Carriers selling 2026 plans in Bristol County
2 carriers sell 2026 plans on HealthSource RI. 67 plans total in this county.
| Carrier | On-exchange plans |
|---|---|
| Blue Cross & Blue Shield of Rhode Island | 14 |
| Neighborhood Health Plan of Rhode Island | 7 |
What you'll actually pay in Bristol County
Estimated monthly net premium for the cheapest Bronze plan above ($367/mo before subsidy) on HealthSource RI, after federal APTC. APTC is computed against the Bristol Countybenchmark Silver per 26 USC §36B. Approximate; exact net varies by plan's EHB% and child-rate structure.
Single 40-year-old
| Annual income | FPL % | Federal APTC | Cheapest Bronze net |
|---|---|---|---|
| $25,000 | 160% | $410/mo | $0/mo |
| $40,000 | 256% | $220/mo | $147/mo |
| $60,000 | 383% | $9/mo | $358/mo |
| $100,000 | 639% | — | $367/mo |
Family of 4 (two 40-year-olds, two children)
| Annual income | FPL % | Federal APTC | Cheapest Bronze net |
|---|---|---|---|
| $40,000 | 124% | — | Medicaid likely |
| $80,000 | 249% | $1,060/mo | $112/mo |
| $130,000 | 404% | — | $1,172/mo |
| $200,000 | 622% | — | $1,172/mo |
FPL = Federal Poverty Level. APTC = Advance Premium Tax Credit (the federal subsidy). Off-exchange and Catastrophic plans are not APTC-eligible. Enter your real income on the home page to see plan-specific net premium with the per-plan EHB-percent cap applied.
Frequently asked questions
What is the cheapest ACA plan in Bristol County, Rhode Island for 2026?
The cheapest Bronze plan a 40-year-old can enroll in is Neighborhood Health Plan of Rhode Island Neighborhood SELECT 7100/14200 HSA WA WPD at $367 per month before subsidies. Plans sell through HealthSource RI. Data refreshed 2026-04-19T08:08:55.462Z.
Is Rhode Island on Healthcare.gov?
No. Rhode Island runs its own state-based exchange, HealthSource RI (healthsourceri.com). Healthcare.gov does not serve Rhode Island; enrollment and APTC applications go through HealthSource RI.
Has Rhode Island expanded Medicaid?
Yes, effective January 1, 2014. Adults 19-64 with income up to 138% FPL qualify regardless of parental status or disability, so there is no coverage gap in Rhode Island.
What is Rhode Island's §1332 reinsurance waiver?
Rhode Island runs a state reinsurance program under a §1332 State Innovation Waiver, active since 2023. The program reimburses carriers for a portion of high-cost claims, lowering on-exchange individual-market premiums for everyone. You do not apply for it separately; the lowered premium is already reflected in the quoted price on HealthSource RI.
More Rhode Island pricing
Sources
- HealthSource RI for SBE enrollment, OEP dates, and APTC application.
- Rhode Island Office of the Health Insurance Commissioner (OHIC) for rate review, carrier filings, and consumer guidance.
- Rhode Island Executive Office of Health and Human Services: Medicaid for Medicaid expansion eligibility and enrollment.
- CMS §1332 Waivers: Rhode Island Reinsurance Program for the Rhode Island §1332 reinsurance waiver approval history.
Plan year 2026, last refreshed 2026-04-19T08:08:55.462Z. Full pricing pipeline + regulatory references at methodology; ACA terminology in the glossary.