Rhode Island
Cheapest ACA plans in Providence, Rhode Island for 2026
Plan year 2026, last refreshed 2026-04-19T08:08:55.462Z.
Providence is in Providence County, Rhode Island. 2 carriers sell 2026 ACA plans on HealthSource RI for residents of Providence County, and the cheapest Bronze plan a 40-year-old can enroll in starts at $367/month before any subsidy. Carriers are licensed and rated at the county level, so the plans below cover everyone in Providence County, including Providence.
Cheapest plans by metal tier
Lowest 2026 monthly premium for a single 40-year-old in Providence (Providence 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 Providence County |
|---|---|---|
| Expanded Bronze | $367 | 5 |
| Silver | $488 | 7 |
| Gold | $502 | 7 |
| Platinum | $879 | 2 |
The actual cheapest Bronze plan in Providence
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 Providence
2 carriers sell 2026 plans on HealthSource RI for Providence County residents. 67 plans total in Providence 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 Providence
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 Providence 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 Providence, 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. Providence is in Providence County, Rhode Island; carriers are licensed and rated at the county level. 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.