🩺 Health insurance cost in Rhode Island (2026)
The estimated average is $476 per month — below the national average (-15% vs. the U.S. average of $560).
Rhode Island is home to about 1.1 million people, and health insurance here runs below the national average. Below, estimate a price for your own profile, then drill into your city — rates in a large metro like Providence typically differ from smaller towns.
Estimate your health insurance in Rhode Island
Rhode Island health insurance estimator
Starts from the Rhode Island average. Estimate only — get quotes to confirm.
Health insurance cost in Rhode Island cities
| City | Population | Est. health insurance |
|---|---|---|
| Providence | 190,934 | $476 |
| Cranston | 82,934 | $468 |
| Warwick | 82,823 | $468 |
Rhode Island health insurance FAQ
How much is health insurance in Rhode Island?
The estimated average health insurance in Rhode Island is $476 per month, which is below the national average (-15% vs. the U.S. average of $560). Rhode Island ranks 42 of 51 states from most to least expensive.
Why is health insurance cheaper in Rhode Island?
Health insurance pricing in Rhode Island reflects local risk factors — weather and catastrophe exposure, accident/claim frequency, repair and medical costs, and state regulation. That’s why costs differ across the Northeast.
How can I save on health insurance in Rhode Island?
Compare at least three quotes from insurers active in Rhode Island, bundle policies, and re-shop every year. Use the calculator above to see how your profile changes the price.