Rhode Island Health Insurance Plans and Health Sharing Programs
HSA for America Offers Rhode Island Health Insurance Plans and Healthshare programs at the Lowest Rates Available!
HEALTH INSURANCE QUOTES
Get instant access to both HSA-qualified and non-HSA options. Compare plans side by side to find the best health insurance plan in your area.
**The word "HSA" will be in the plan name if the plan is HSA-qualified**
HEALTH SHARING PLAN QUOTES
Looking for an alternative to traditional insurance? Health sharing plans offer a more affordable way to make sure your family is protected from unexpected medical expenses.
Note: When you get an instant quote, you will only see plans available in your zip code. Some plans are limited to certain areas of the state, while others may only be offered during specific enrollment periods.
In Rhode Island there is a state mandate requiring residents of the state to carry qualified health insurance.
Health insurance is only available from a couple of insurance companies, and is exceedingly expensive for anyone who does not qualify for a subsidy. If you do qualify for a subsidy, we recommend you get coverage through the Rhode Island Health Insurance Exchange.
Because members of qualifying health cost sharing plans are exempt from the mandate to carry health insurance, many people in Rhode Island are choosing to join one of these organizations. Below are the health sharing plans we recommend.
If you have any questions or would like free personal assistance in choosing a plan and getting enrolled, reach out directly to one of our Personal Benefits Managers that handles Rhode Island
Altrua Healthshare
Altrua is notable for its popular RUBY plan tier. It features extremely low monthly costs, though benefits are limited as well. For example, on their cheapest plan, sharing benefits are capped at $150,000 per year.
Altrua Ruby is a particularly good match for older health share members because, unlike most plans, it does not base pricing on age.
As a faith-based health share ministry, Altrua focuses on keeping monthly contributions low while offering solid protection from major medical expenses.
DPC Direct
DPC Direct is an affordable, cost-efficient health sharing program exclusively for Direct Primary Care patients.
DPC clinics charge a low monthly fee to cover all primary care, including preventive care and unlimited doctor visits, while DPC Direct protects from emergency and hospitalization expenses. (Read more about Direct Primary Care in our Complete Guide to Direct Primary Care).
DPC Direct
Fallon Community Health Plan is unique – they are the only health insurance plan that is both an insurer and provider. They boast several accolades, including Excellent Accreditation from the National Committee for Quality Assurance (NCQA).
Fallon Health care won these awards in the following categories: HMO/POS, Medicare, Medicaid and Physician and Hospital Quality (Distinction). They offer innovative plans, which include many services that offer both flexibility and no-cost copayments for routine physicals, eye exams and various other preventive services.
HSA MEC
Interested in contributing to a health savings account but you’re in a health sharing plan that isn’t HSA-eligible? Then HSA MEC may be the solution for you.
HSA MEC isn’t a health sharing plan per se. Instead, HSA MEC is an add-on to your existing health sharing plan that qualifies you to make pre-tax contributions to HSAs.
So, you can take advantage of the immense tax benefits of the health savings account.
Note: At this time, HSA MEC is only available to business owners, independent contractors, and those with verifiable income from self-employment. Those with DPC memberships are not allowed to make HSA contributions.
HSA Premium1
HSA Secure
This innovative health share plan is also HSA-compatible. HSA Secure offers great catastrophic sharing benefits, and excellent value overall.
Currently available to business owners, independent contractors, or individuals with verifiable self-employment income. (If you don’t meet these criteria, consider the CARE+ plan, which has nearly identical benefits (except it does not include certain preventative screenings) and is available to anyone, including W-2 employees and those between jobs or looking for an affordable “bridge to Medicare eligibility.”)
JHS Community
JHS Community is an excellent, low-cost choice if you want a health sharing plan focused on major and catastrophic needs and you can afford to contribute up to $10,000 to $15,000 per year in the event you unexpectedly need care.
It’s faith-based, but non-denominational. The JHS Community Divine plan is arguably the best catastrophic-focused value in the health share industry.
netWell Healthshare
Read More about netWell Healthshare Plans
OneShare Health
An affordable, faith-based health sharing plan with excellent maternity benefits. OneShare Health’s comprehensive Classic plan compares favorably to netWell Healthshare or Thrive.
Read More about Oneshare Health
Sedera
Sedera Health has no annual or lifetime sharing caps, though certain dollar amounts and/or visit limits apply to specific types of medical care and therapies. Secular - no religious component or requirements.
Universal Thrive
Universal Thrive’s health share offering is designed for people who want a benefits-rich plan that includes preventative care and significant sharing for primary care doctor visits.
Higher monthly costs than some other health share plans, but still much lower than unsubsidized traditional health insurance products. Compare with netWell and OneShare Health.
Read More about Universal Healthshare Universal Thrive Program
WBA Plan
WBA offers a very low-priced supplemental accident plan that will reduce your deductible for any accident to just $100. To learn more and sign up, visit the Accident Plans page.
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HSA-QUALIFIED HEALTH INSURANCE QUOTE
Quickly compare HSA-qualified health insurance plans in your area. Look for the blue HSA symbol to find options that let you save on premiums while also enjoying tax benefits.
Choose your state below to get a free individual health insurance quote for both HSA-qualified and non-HSA health insurance plans.
Learn more about available health insurance plans
For a quote on a group, please fill out this Census Form or schedule a consultation with one of our small business experts.
HEALTH SHARING PLAN QUOTE
Explore low-cost health sharing plans in your area—one of the most affordable ways to protect your family without relying on traditional insurance. These plans let members share medical while keeping monthly costs manageable.
Choose your state below to get a free individual quote on our low-cost health sharing plans.
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