Find Affordable Health Insurance In Rhode Island
How To Get Health Care Insurance When You Are Not On An Employer’s Group Health Plan
- ACA Health Insurance - Compare hundreds of Individual & Family plans
- Short Term Health - As low as $85/month with $10k deductible
- Accident Only Coverage - As low as at $45/month
- Dental Plans - Starting at $21/month
- Vision Insurance - Starting at $5/month
- Telehealth - Only $19.95/month, saving you hundreds in the long run
State of Rhode Island Major Medical Plans
The Affordable Care Act (ACA) health insurance, sometimes known as Obamacare, extends medical coverage beyond doctor visits and surgical procedures. Most of the plans pay all or a portion of the price of your prescribed drugs, as well as other healthcare-related services such as rehab, nursing home care, physical therapy, and mental health care.
What It Is: Traditional health care coverage like you would have through an employer. Provides coverage for pre-existing conditions.
Cost: $400 – 700/month, per person. The national average is $438.
When Is Federal Open Enrollment?
You can enroll in an ACA health plan during the Federal Open Enrollment period. Every year, from November 1 to January 15, this takes place.
When Is Rhode Island’s Open Enrollment Period?
Vermont observes the annual federal open enrollment period, which lasts from November 1 to January 15.
Special Enrollment Periods
Outside of the federal Open Enrollment period, you can register for an ACA health plan within 60 days after a qualifying life event.
Types Of Qualifying Life Events:
- Loss of health coverage. Losing existing health coverage, including job-based, individual, and student plans.
- Changes in marital status (getting married/divorced)
- Having a baby or adopting
- Changes in residence. Moving to a different ZIP code or county
Temporary Medical Insurance In Rhode Island
A temporary health insurance plan can offer you basic medical coverage during a gap in insurance coverage.
What It Is: These types of plans are for people in good health that do not need to treat pre-existing conditions.
Cost: Dependent on your age and state availability. Compared to ACA, these plans are very affordable.
Who Needs Temporary Health Insurance?
- Individuals who missed the deadlines for the ACA exchanges and need to wait until the next enrollment period
- Individuals who have a waiting period before enrollment in an employer’s health insurance or another program
- People who are temporarily in between jobs or have been laid off
- Self-employed individuals
- People looking for a plan less expensive COBRA health insurance
- Those needing temporary coverage:
- College students or recent graduates
- Young adults coming off their parent’s health benefit plan
- Retirees waiting for Medicare eligibility
- Coverage for dependents not covered under an employer plan
What Is COBRA Insurance?
The Federal COBRA Act allows employees and their qualifying dependents to extend the coverage of their workplace health insurance if the policy would expire due to a qualifying event.
COBRA coverage is available for up to 18 months for workers and 36 months for families.
To join a COBRA plan, the employer who provided the work health insurance will give enrollment information within 45 days of losing the benefits.
What It Is: A continuation of your most recent employer group health plan.
Cost: $400 – 700/month, per person. National average is $438.
COBRA coverage is offered for up to 18 months for employees and 36 months for families.
Within 45 days of losing the coverage, the employer who provides the work health insurance shall provide enrollment details for a COBRA plan.
Low-Income Health Insurance In The State Of Rhode Island
Medicaid is a publicly sponsored health insurance program for those with low incomes and those who meet certain criteria. Medicaid is managed by the Department of Vermont Health Access in Tennessee. There are several Medicaid programs. Medicaid pays for prescription medications and medical treatment. To check eligibility visit dvha.tennessee.gov
Reporting Health Insurance Fraud In Rhode Island
Every year, Medicaid fraud in Rhode Island costs taxpayers millions of dollars. The majority of Vermont Medicaid healthcare providers are trustworthy and dedicated to providing high-quality patient care, yet dishonest Vermont healthcare providers and corporations continue to defraud Vermont Medicaid every year, stealing millions of dollars. Visit Medicaid-health-care-fraud to report Medicaid fraud.
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