Get a free quote here for Rhode Island health insurance for you
If you are looking for information regarding Rhode Island health insurance, this page will provide that as well as a free quote. My assumption is that if you are at this website, you don't have access to group coverage which is obviously the best option. I will provide information for Rhode Island residents who are employed and uninsured and as well as Rhode Island resident who are unemployed and uninsured.
Unlike a lot of states, Rhode Island does not have a high-risk insurance pool for those with pre-existing conditions. Residents without employer provided health care can purchase insurance through Blue Cross Blue Shield of Rhode Island. For years, the state has required BCBSRI to offer insurance to people without an employer's plan, medicare or medicaid. Even though coverage is guaranteed, a medical assessment is done to determine the premium costs. People with good health and no pre-existing conditions are assigned to a preferred pool. People who do not meet the preferred pool's criteria are assigned to the regular pool and charged higher rates. The state offers lower premiums to the lower-risk people to encourage them to buy the insurance. Without low-risk people in the plan the higher-risk people would make up most of the insured, which would require BCBSRI to charge the higher-risk people higher premiums.
If this option is still too pricey for you, then you may qualify for Medicaid which Rhode Island offers also.
If you do not qualify for the low-cost/no-cost health insurance plans, you might have to consider a high-deductible/health plan. These are not cushy plans. If you have a health emergency, you will have to pay a high deductible before a coverage kicks in. Before you purchase one, you should try to set up a either a flexible spending account, a health savings account or a health reimbursement account so that you reap whatever tax benefits are available to you for footing the bill for your own insurance. The links are below.
eHealthInsurance |