Rhode Island · Plan year 2027 · Updated October 24, 2026
Rhode Island health insurance for 2027
Rhode Island residents buy marketplace coverage through HealthSource RI, its own state-run exchange. Open enrollment for 2027 runs November 1, 2026 to January 31, 2027. Rhode Island expanded Medicaid, so adults qualify up to $22,025 a year for one person.
| Where to enroll | HealthSource RI |
|---|---|
| 2027 open enrollment | November 1, 2026 to January 31, 2027 |
| Last day for Jan 1 coverage | not stated by the exchange |
| Medicaid expansion | Yes |
| State coverage mandate | Yes, with a tax penalty |
| Average 2027 rate change | +12.4% (approved), per the state's filings |
| Short-term plans | State rules leave essentially none on sale |
What a plan costs in Rhode Island
HealthSource RI publishes its own plans and prices, which aren't in CMS's federal plan files, so we don't list county prices here. Get your benchmark silver price from HealthSource RI's shopping tool and enter it in the subsidy calculator to see your credit.
Medicaid and CHIP limits in Rhode Island
Yearly income limits in 2026 dollars. Medicaid checks current monthly income, so divide by 12 for the monthly figure.
| Group | % of poverty line | 1 person | 2 | 3 | 4 |
|---|---|---|---|---|---|
| Adults without children | 138% | $22,025 | $29,863 | $37,702 | $45,540 |
| Parents | 138% | $22,025 | $29,863 | $37,702 | $45,540 |
| Pregnancy | 258% | $41,177 | $55,831 | $70,486 | $85,140 |
| Children under 1 | 266% | $42,454 | $57,562 | $72,671 | $87,780 |
| Children 1 to 5 | 266% | $42,454 | $57,562 | $72,671 | $87,780 |
| Children 6 to 18 | 266% | $42,454 | $57,562 | $72,671 | $87,780 |
| CHIP | - | - | - | - | - |
Extra help from Rhode Island
- Rhode Island Marketplace Affordability Program (RIMAP). HSRI QHP enrollees who are APTC-eligible (or ineligible only because income exceeds APTC limits) and for whom the second-lowest silver plan costs more than the state affordability percentage. Statute prioritizes income <200% FPL for 2027; HSRI also lists >400% FPL. (source)
Get a reminder before Rhode Island's deadline
Email onlySources: HealthSource RI and CMS state marketplace list (exchange and dates); MACPAC MACStats, February 2026, and state Medicaid agencies (limits); HHS 2026 poverty guidelines; IRS Rev. Proc. 2026-26. All checked October 24, 2026. Methods.
Questions people ask
When is open enrollment in Rhode Island for 2027?
HealthSource RI opens November 1, 2026 and closes January 31, 2027.
What is the Medicaid income limit in Rhode Island?
Rhode Island expanded Medicaid, so adults 19 to 64 qualify up to 138% of the poverty line: $22,025 a year for one person in 2026, checked against monthly income.