Rhode Island Health Insurance Policies

→ Visit the Blue Cross Blue Shield of Rhode Island's website

Guaranteed Health Insurance Plan

As a HIPPA eligible enrollee you are:

• Guaranteed the right to purchase an individual insurance policy from any carrier offering individual coverage
• Given the choice of at least two policies with benefits similar to policies sold to everyone else
• Exempt from any pre-existing condition exclusion periods

HIPAA Eligibility

To be HIPAA eligible in Rhode Island, you must:

1. Have 18 months of continuous creditable coverage, with at least the last day under the Brethren Ministers Group; and
2. Not be eligible for Medicare, Medicaid or a group plan; and
3. Apply for health insurance for which you are HIPAA eligible within 63 days of losing your prior coverage; and
4. Not have health insurance.

Note: If you know your group coverage is about to end, you can apply for coverage for which you will be HIPAA eligible.

Blue Cross Contact Information

Major Health Carriers in Rhode Island:

Blue Cross Blue Shield of Rhode Island

(800) 230-9050

Neighborhood Health Plans of Rhode Island

(800) 963-1001

How much will health insurance cost?

Health insurance companies charge different rates based on the plan chosen, geographic area of residence, age and gender. Rhode Island caps premiums at 125% to 200% of what a healthy person would pay for a similar plan sold by a private insurer.

Where can I obtain more information?

For more information contact the Rhode Island Division of Insurance at (401) 222-2223.

Special insurance for children: Rite Care

A family of four making up to $41,300 a year may be eligible for Rite Care.

• Do you qualify? Visit Eligibility
• Questions? View their FAQs, or call (401) 462-5300