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- 4.9% and 15.8%approved 2027 increases for Rhode Island's two carriers
- 20,000+people RIMAP, the new state help, is expected to reach
- Jan 31when open enrollment closes
One honest note. I am licensed in Rhode Island, but I am not a certified broker with HealthSource RI, the state's own exchange. If you qualify for financial help or want a plan sold there, HealthSource RI and its certified helpers can enroll you, and I will point you to one. Where I can help directly is comparing your options, including private plans sold outside the exchange.
What is happening in Rhode Island
No carrier is leaving Rhode Island for 2027. The two carriers on HealthSource RI filed increases above 20 percent, and the state cut them sharply: Blue Cross Blue Shield of Rhode Island was approved for 4.9 percent and Neighborhood Health Plan of Rhode Island for 15.8 percent.
Rhode Island is also adding its own help. RIMAP, a new state savings program on HealthSource RI, starts in January 2027 and is expected to help more than 20,000 people. It covers households under 200 percent of the poverty level, plus some over 400 percent.
Where carriers are leaving
Carrier exits for 2027 are real, and they are spread across the country. Cigna is leaving the individual market in all 11 states where it sells. Baylor Scott & White is leaving Texas, CareSource is leaving Indiana, Ohio and West Virginia, Medica is leaving Iowa, Kansas and Oklahoma, and several smaller carriers are leaving other states. If you moved recently or have family elsewhere, the all states overview lists them.
What this means for you
If you get a subsidy, the headline increase is not what you pay. Your subsidy is recalculated on your estimated 2027 income, and it usually absorbs much of a price increase. Updating your income estimate matters more than the rate filing.
If you do not get a subsidy, you feel the full increase. This is where it pays to compare more than one kind of coverage. Private major medical plans are priced differently from ACA plans, and for some people who pay full price they can cost less for similar coverage. I compare both, side by side, so you can see the real numbers for your household.
The practical point: if your carrier stays, most plans renew automatically at the new 2027 price. If your carrier leaves, you may be moved automatically into a plan someone else picked. Neither checks whether a different plan now costs less or fits your doctors better. That check takes a few minutes.
The dates that matter in Rhode Island
Rhode Island runs its own exchange, HealthSource RI, so it sets its own calendar. These are the dates HealthSource RI has published for 2027 coverage.
- Fall 2026Renewal notices arrive with your 2027 price. Read it, even if you plan to keep your plan.
- November 1, 2026Open enrollment began on HealthSource RI.
- December 23, 2026Enroll and pay by this date to have your insurance card before January 1.
- January 31, 2027Open enrollment closes.
What to do, in order
Read your renewal or non renewal notice
It shows your 2027 premium and any plan changes. Compare it with what you pay today.
Write down your doctors and your prescriptions
The physicians you want to keep and the exact drugs with dosages. Networks and drug lists change from year to year even when the carrier stays.
Update your income estimate for 2027
Your subsidy is based on your estimated income for the year ahead. If it changed, your real cost changes with it.
Compare before December 23
HealthSource RI asks you to enroll and pay by December 23 to have your insurance card before January 1. Compare on total cost, meaning premium plus deductible plus what you expect to use, and include private options if you pay full price.
Common questions
Is my health insurance company leaving Rhode Island in 2027?
No. Both carriers on HealthSource RI are staying for 2027. Blue Cross Blue Shield of Rhode Island was approved for a 4.9 percent increase and Neighborhood Health Plan of Rhode Island for 15.8 percent.
Why is my premium changing for 2027?
Rhode Island approved 2027 increases of 4.9 percent for Blue Cross Blue Shield of Rhode Island and 15.8 percent for Neighborhood Health Plan of Rhode Island. If you get a subsidy, your net cost depends on your 2027 income.
Do I have to use a broker?
No. You can enroll yourself at HealthSource RI at no cost. A licensed broker also costs you nothing, because brokers are paid by the carriers and the premium is identical either way. A broker can also show you private plans that are not sold on the marketplace.