PROVIDENCE, RI – HealthSource RI (HSRI) concluded its annual Open Enrollment (OE) period January 31, with enrollment totals and the mix of plan selections bearing out expectations, as customers faced increased monthly costs upon the expiration of enhanced federal premium tax credits. Individual and Family enrollments totaled 38,557 during this Open Enrollment, a 10-percent decline from the record-high close of OE2025 (42,695). Overall enrollment decreased by 20% from year-end (48,060) to the end of OE, a highly unusual development, as the marketplace has recorded growth nearly every year in that same span.

Of this year’s enrollment, 6,472 (16.8%) Rhode Island residents are newly enrolled in the affordable qualified health plans available through the state marketplace. The remaining 32,085 individuals, or 67% of last year’s customers, renewed their coverage during the same period, which started November 1.

From 2021 through 2025, historically high levels of financial assistance — available through the American Rescue Plan Act (ARPA, March 2021) and extended by the Inflation Reduction Act (August 2022) — made coverage through HSRI more affordable than ever. The enhanced premium tax credits expired on December 31 due to lack of federal action. Simultaneously, premiums rose more sharply than usual at least in part as insurers across the country, Rhode Island being no exception, anticipated shifts in the uninsured and underinsured rates in their markets.

Average premiums across the HSRI population increased by 101%, or $111 per person per month this year compared to last year. Lower-income households saw the largest percentage increase of their premiums this year. For example, a single adult household in the range of 150%-200% of Federal Poverty Level, which is about $24,000-$31,000 annually, saw their average premium go from $40 to $137. These challenges to affordability caused consumers to reconsider their options for health coverage.

Aside from considering whether to continue or newly enroll for 2026, customers also grappled with which plans to choose, and plan selection shifted notably. Over recent years, customers had been using their enhanced financial supports to steadily migrate into silver and gold plans, which offer lower out-of-pocket costs and more predictability. That trend reversed sharply this year, with bronze plan selection rising steeply (from 21% to 32%) as silver and gold selection fell off (from 38% to 31% and 38% to 35% respectively). While customers are likely making this decision based on the affordability of the monthly premium, it comes with a trade-off – bronze plans have much higher deductibles and out-of-pocket costs, opening insured individuals up to higher bills as they use their plans. This raises concerns that as the year progresses, customers may find it unaffordable to keep their coverage as they begin to encounter those higher costs.

“It is disheartening but not surprising that, as President Trump’s policies have caused health insurance costs to skyrocket, more Rhode Islanders are struggling to pay for health coverage,” said Governor Dan McKee. “My FY27 recommended budget appropriates $9.5 million to subsidize coverage for the 20,000 hardest hit individuals purchasing insurance through HealthSource RI.”

“The increase in premiums, combined with the decrease in federal supports, makes this an incredibly challenging year for folks depending on HealthSource RI for health coverage. We understand that and we are committed to working with our customers and potential customers through these difficult decisions,” said HSRI Director Lindsay Lang. “Having health coverage helps protect against one bad turn of luck becoming years of financial burden. We will work with every customer to find options that are best for their needs and budget, and continue to work with state leaders and our federal delegation to find long-term solutions.”

Since 2013, Rhode Island has decreased the uninsured rate by more than two thirds. The Rhode Island Health Information Survey, conducted biannually and last updated in 2024, pointed to an uninsured rate of just 2.2%, among the best in the country. For detailed information on both HSRI’s 2026 Open Enrollment Report and the 2024 Health Information Survey, visit HealthSourceRI.com/Surveys-and-Reports. The 2026 Health Information Survey has just begun and will be available late this year.

HSRI is still the only place where Rhode Islanders can receive Advance Premium Tax Credits to help pay for their health coverage, with customers qualifying for more than $14 million in Advance Premium Tax Credits in January 2026. Currently, 81% of HSRI customers receive financial assistance, down from 88% last year. The average premium before tax credits of all currently active plans is $662; that average drops to $172 per month after applying tax credits.

With annual Open Enrollment complete, individuals and families who have experienced certain life events may be eligible to shop for a new plan during a Special Enrollment Period (SEP), which is a 60-day window to enroll starting before or after that event. Qualifying SEP events include a loss of other coverage including Medicaid; moving into Rhode Island; marriage or divorce; or birth or adoption of a child. Individuals can visit HealthSourceRI.com/SEP to learn more about these qualifying events, register for an online info session, get live expert support through chat in English or Spanish, book an appointment, or enroll online. Enrollment support is also available by calling 1-855-840-HSRI (4774).

HealthSource RI is the state’s health insurance marketplace. Since 2013, HealthSource RI has decreased the uninsured rate by more than two thirds. Today, nearly 98 percent of Rhode Islanders have health coverage, the sixth highest insured rate in the country. HealthSource RI is the only place where Rhode Islanders can receive financial help to pay for their health coverage. Currently, 8 out of 10 HealthSource RI customers receive financial assistance. Through the HealthSource RI for Employers program, HSRI also services over 1,200 small employers in Rhode Island and more than 8,500 employees and dependents.

The post HealthSource RI Open Enrollment 2026 closes with falling enrollment trend first appeared on HealthSource RI.

Currently a record-high of more than 49,000 individuals are enrolled in Blue Cross & Blue Shield of Rhode Island or Neighborhood Health Plan of Rhode Island health coverage through HealthSource RI. An additional 8,800 enrollees are covered through HealthSource RI for Employers, which offers plans from the same carriers for small employers throughout the state. Since 2013, Rhode Island’s uninsured rate has decreased by more than two thirds; as of 2024, just 2.2% of Rhode Islanders were without health insurance. This substantial progress in recent years has been boosted significantly by federal enhancements to Advance Premium Tax Credits (APTCs) that were passed in the 2021 American Rescue Plan Act and extended through 2025 by the Inflation Reduction Act.

As the only place Rhode Islanders can receive financial help to pay for their health coverage, HSRI plays a vital role in connecting customers to quality coverage. While rates have increased for 2026, and enhanced APTCs are expected to expire December 31, tens of thousands of customers will still benefit from some level of financial assistance to help with their monthly premiums. The average customer who was renewed for a 2026 plan with financial assistance is still eligible for $494 per month in tax credits. HealthSource RI is an unbiased source of information to help Rhode Islanders choose a plan and enroll, working to ensure that each individual and family finds a plan that meets their health needs and their budget.

“While many of our customers will see higher premium costs this Open Enrollment, we encourage everyone to take the time to review all of the options available through HealthSource RI. Health insurance is a critical part of keeping people healthy and protecting their financial wellbeing, and maintaining a low uninsured rate is essential to the stability of our healthcare system,” said HSRI Director Lindsay Lang. “This year, with an average cost increase of just over $100 per person, we encourage our existing and potential customers to leave plenty of time to shop their options, and to look to HealthSource RI for help, whether online; through a neighborhood Navigator; or by in-person appointment, phone or live web chat through our Contact Center. Whatever appeals to you, we’re here to help you compare plans and costs, and find the health and dental coverage that fits your needs and your budget.”

HSRI offers decision support tools both anonymously on its website at HealthSourceRI.com/calculator, and through its online enrollment portal, healthyrhode.ri.gov.  This allows customers to shop and compare plans, including reviewing out-of-pocket costs based on different plans and health status scenarios.

Virtual information sessions specific to Open Enrollment will be held throughout the upcoming months, the first of which are at 9:30 a.m. on November 5 and 11:30 on November 6. To sign up, or to find information on other info sessions offered in both English and Spanish, go to HealthSourceRI.com/events.

HSRI’s usual Contact Center hours of Monday through Friday, 8 a.m. to 6 p.m. are expanded during Open Enrollment to include late Tuesday evening hours until 8 p.m., and Saturday mornings, 9 a.m. to noon. On Saturday, November 1 only, the first day of enrollment, Contact Center hours will be 9 a.m. to 5 p.m. Enrollment support is available by calling 1-855-840-HSRI (4774).

During Contact Center hours, HSRI also offers live web chat services on HealthSourceRI.com, in both English and Spanish, where individuals can ask questions, reset their passwords, and get enrollment support from a live agent.

In addition to assistance through HSRI’s phone and chat services, one-on-one enrollment support is available in-person, by phone or virtually through HSRI’s trained Navigator agencies, located throughout the state. Individuals can also make appointments for assistance at the HSRI Contact Center at 401 Wampanoag Trail in East Providence. Appointments for Navigators or the Contact Center can be booked at HealthSourceRI.com/OE.

Rhode Islanders have until December 23, 2025 to select and pay for coverage that starts January 1, 2026 to ensure they have their cards in hand for the new year. The last possible day to enroll and pay for a 2026 plan under Open Enrollment is January 31, for coverage that starts February 1, 2026. For the most up to date information about HSRI’s Open Enrollment period, and additional customer service information, visit HealthSourceRI.com/OE .

HealthSource RI is the state’s health insurance marketplace. Since 2013, HealthSource RI has decreased the uninsured rate by more than two thirds. Today, nearly 98 percent of Rhode Islanders have health coverage, the sixth highest insured rate in the country. HealthSource RI is the only place Rhode Islanders can receive financial help to pay for their health coverage. Currently, 6 out of 7 HealthSource RI customers receive financial assistance.

The post HealthSource RI Annual Open Enrollment Period Begins Nov. 1 first appeared on HealthSource RI.

PROVIDENCE – The recently-passed House reconciliation bill and the pending Senate bill would undermine progress made under the Affordable Care Act and jeopardize access to affordable health coverage for thousands of Rhode Islanders and millions of Americans according to analysis by national and local policy experts. A statement signed by HealthSource RI Director Lindsay Lang and 17 other bipartisan State-Based Marketplace Directors outlining the pressing need for changes before the finalization of the legislation was submitted to the Senate. A previous letter to the House and a subsequent letter to the Senate, each signed by the same group, can be viewed along with other impact summary documents on the website of the State Marketplace Network, a collective supported by the National Academy for Health State Policy.

Presently, more than 45,000 Rhode Islanders rely on HealthSource RI (HSRI) for access to high quality, affordable health coverage in the individual and family market. An additional 8,600 people and 1,200 small employers depend on HSRI for small group insurance.

Some of the ways in which the provisions presently under consideration would impact customers and reduce enrollment:

• Shortens the Open Enrollment period from 3 months in Rhode Island to 45 days for all states and federal marketplace
• Ends tax credit eligibility for many legal immigrant groups
• Ends automatic renewals, requiring more paperwork each year to renew and preventing enrollment until all paperwork is processed
• Requires more documentation for enrollments

HSRI has been a driving force in helping the state achieve a remarkably low rate of just 2.2% uninsured in 2024, down from 11% in 2012. Rhode Islanders turn to HSRI to gain high quality, affordable health coverage when they don’t have the option to enroll through their job, Medicaid or another typical source of insurance.

In recent years, Rhode Island leveraged the ACA and enhanced federal Advanced Premium Tax Credits (APTCs) to make improvements to how our residents get and stay covered with high quality health insurance.  Recently, to keep residents connected to coverage through HSRI when their coverage through Medicaid was ending, the state enacted an innovative auto-enrollment program. Under the leadership of Governor Dan McKee, and with the support of the state legislature, this program allowed the state to reduce administrative burden and support smooth transitions from Medicaid to commercial coverage through HSRI. Now, the additional financial assistance that made this possible is set to expire at the end of this year, leaving HSRI enrollees facing increased costs when they transition off Medicaid or when existing customers renew their coverage for 2026.

Coupling the expiration of the enhanced tax credits with the effects of the proposed reconciliation bill, our state healthcare system and those who use it would face barriers. The Marketplace-related measures now under consideration take deep slices at the structural and financial viability of coverage under the Affordable Care Act. The effects of the legislative package, stacked on top of the loss of enhanced premium tax credits at the end of 2025, threaten to plunge HSRI’s enrollment from 45,000 to just 21,000 over the next several years. The corresponding increase in the state’s uninsured would be approximately 16,000.

“This legislation takes us in the opposite direction of where we want to be in Rhode Island, and the harm it could do, in combination with the expiration of the enhanced tax credits our customers have relied upon, cannot be overstated,” said Lang. “The impact this reconciliation package would have – barriers to enrollment, unnecessary red tape and jacking up the cost of coverage – will undercut the very mission of HealthSource RI.  The large losses in health coverage and affordability projected under this bill will have immediate ripple effects throughout our health care system and for years to come.”

Simply put, the bill makes health coverage harder to get, more difficult to keep and far too expensive to afford. The effects of the bill will compound each year, likely resulting in significant rate increases for anyone still left in the market. Overall, the Senate bill’s health policy provisions hue closely to and build on the policies included in the House-passed bill, according to analysis by Manatt Health published by Princeton University’s State Health & Value Strategies.^[i] If further changes are not proposed in the Senate and then resolved with the House-passed bill, these detrimental effects to customers who depend upon the coverage provided through the Affordable Care Act would become law.

The Congressional Budget Office estimates that the expiring enhanced APTCs, reconciliation bill, and regulatory changes as proposed (updates with the finalized June 20 CMS rule are not yet published) will combine to reduce national expenditures by an average of $80B over the next 10 years. The annual cuts amount to more than half of the current 2025 national expenditures on APTCs of approximately $145B that support this critical Affordable Care Act program. HealthSource RI has developed some preliminary estimates on the impact of these provisions on Rhode Islanders.

Preliminary Estimates for Impact on RI of Upcoming Marketplace Provisions:

Including expiring enhanced APTC (eAPTCs), combined with the reconciliation bill provisions, broken out between the House Ways & Means (W&M) and Energy & Commerce (E&C) committees, as well as a late change to Cost-Sharing Reductions (CSR) that could further reduce affordability.

If no changes are made, the effects would begin to be felt among HSRI customers as early as Fall 2025, but will be noticeable across the health care system starting in January 2026. A recent report from the Urban Institute projects a decrease in health care spending of $1.03 trillion between 2025 and 2034, three-quarters of which is attributable to the House-passed reconciliation bill.  Forty percent of that would impact hospitals ($408 billion) and eleven percent would hit physician services ($118 billion).  Further, the report indicates that for the same time period, uncompensated care would spike $278 billion, most of which would be due to the reconciliation bill, and again most of that increase would be attributable to hospital services ($83 billion), followed by physician services ($34 billion).  While each of the proposed changes to ACA provisions chisel away at its effectiveness and efficiency, taken together, these changes interact with and compound on one another, harming customers and the system underpinning the offering of affordable health coverage.

HealthSource RI is the state’s health insurance marketplace. It’s our mission to help Rhode Islanders easily navigate the complex health insurance landscape and enroll in a plan that works best for their individual and family needs. Since 2013, HealthSource RI has decreased the uninsured rate by more than two thirds. Today, nearly 98 percent of Rhode Islanders have health coverage, the sixth highest insured rate in the country. HealthSource RI is the only place Rhode Islanders can receive financial help to pay for their health coverage. Currently, 6 out of 7 HealthSource RI customers receive financial assistance.

The post HealthSource RI joins bipartisan group of 18 state health exchanges to outline negative impact to coverage of reconciliation package pending Senate passage first appeared on HealthSource RI.

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The post Stay Connected first appeared on HealthSource RI.

PROVIDENCE, RI – HealthSource RI (HSRI) concluded its annual Open Enrollment (OE) period February 28, with its highest ever OE total of 42,695, eclipsing last year’s record of 34,456. Of those, 8,557 Rhode Island residents are newly enrolled in the affordable qualified health plans available through the state marketplace. The remaining 34,000+ individuals, or 73% of last year’s customers, renewed their coverage during the same period, which started November 1.

The surge in HSRI’s numbers follows national trends as in mid-January the Centers for Medicare and Medicaid Services reported national enrollment of approximately 24 million, up from 20 million at the same time in 2024. The OE period was extended by one month this year to provide ample access to customers after the December cybersecurity incident affecting RIBridges, the information system managed by Deloitte for the State of Rhode Island and serving HSRI and numerous other state programs.

“HealthSource RI supports Rhode Islanders in a variety of situations who find themselves in need of health coverage,” said Governor Dan McKee. “The value of having a state-based marketplace is clear, as tens of thousands find their way to HSRI each year, making Rhode Island a national leader in this work.”

“Our purpose at HealthSource RI is to help Rhode Islanders get and stay connected with quality, affordable health coverage,” said HSRI Director Lindsay Lang. “We’re thrilled that once again this year, we’re growing, and we hope that Rhode Islanders continue to think of us when looking for health coverage options to protect themselves and their families – not only their health but their financial security.”

Since 2013, HSRI has decreased the uninsured rate by more than two thirds. The Rhode Island Health Information Survey, conducted biannually and updated in 2024, pointed to an uninsured rate of just 2.2%, among the best in the country. For detailed information on both HSRI’s 2025 Open Enrollment Report and the 2024 Health Information Survey, visit HealthSourceRI.com/Surveys-and-Reports.

HSRI is the only place where Rhode Islanders can receive Advance Premium Tax Credits to help pay for their health coverage, with customers qualifying for nearly $16.3 million in Advance Premium Tax Credits in January 2025. Currently, 88% of HSRI customers receive financial assistance, and tax credits continue to protect consumers from rising costs. While the average premium before tax credits of all currently active plans is $567, that average drops to $110 per month after applying tax credits. At present, 30% of HSRI customers pay less than $10 a month to stay covered. In 2025, historically high levels of financial assistance made available through the American Rescue Plan Act and extended by the Inflation Reduction Act remain intact, meaning that coverage through HSRI became more affordable than ever for plan years 2021 through 2025. Without federal action those enhanced premium tax credits stand to expire in December.

With annual Open Enrollment complete, individuals and families who have experienced certain life events may be eligible to shop for a new plan during a Special Enrollment Period (SEP), which is a 60-day window to enroll starting before or after that event. Qualifying SEP events include a loss of other medical coverage including Medicaid, moving into Rhode Island, getting married or divorced, or having or adopting a child. Individuals can visit HealthSourceRI.com/SEP to learn more about these qualifying events, register for an online info session, get live expert support through chat in English or Spanish, book an appointment, or enroll online. Enrollment support is also available by calling 1-855-840-HSRI (4774).

HealthSource RI is the state’s health insurance marketplace. Since 2013, HealthSource RI has decreased the uninsured rate by more than two thirds. Today, nearly 98 percent of Rhode Islanders have health coverage, the sixth highest insured rate in the country. HealthSource RI is the only place Rhode Islanders can receive financial help to pay for their health coverage. Currently, 6 out of 7 HealthSource RI customers receive financial assistance. Through the HealthSource RI for Employers program, HSRI also services over 1,200 small employers in Rhode Island and more than 8,500 employees and dependents.

The post HealthSource RI Open Enrollment closes with record enrollment of 42,695 first appeared on HealthSource RI.

PROVIDENCE, RI – HealthSource RI (HSRI), the state’s health insurance marketplace, announces that November 1 marks the beginning of its annual Open Enrollment period. From now through January 31, 2025, individuals and families can enroll in, change, or renew their health and dental coverage at HealthSourceRI.com/OE or by calling 1-855-840-HSRI (4774).

Currently a record-high of more than 46,000 individuals are enrolled in health plans through HealthSource RI, as well as over 8,000 more through the small group options offered by HSRI to employers in the state. Since 2013, HSRI has decreased the uninsured rate by more than two thirds; in the recently released Health Information Survey, just 2.2% of Rhode Islanders were found to be uninsured, maintaining the Ocean State’s position among the top-performing states in the nation.

As the only place Rhode Islanders can receive financial help to pay for their health coverage, HSRI plays a vital role in connecting customers to quality coverage. Currently, 6 out of 7 HSRI customers receive financial assistance, and nearly a third of customers pay less than $10 per month for their health coverage. Premium tax credits are at an all-time high through 2025, with enhancements made under the Inflation Reduction Act.

“HealthSource RI continues to proudly provide Rhode Islanders with affordable options for high-quality coverage, an important tool for keeping families healthy and helping to protect their financial stability,” said HSRI Director Lindsay Lang. “I encourage Rhode Islanders in need of health coverage to take advantage of the many ways we offer to get in touch – visit us online, find a neighborhood Navigator, make an in-person appointment, or call or live web chat with us. Whatever appeals to you, we’re here to help you compare plans and find the health and dental coverage that fits your needs and your budget.”

New for the 2025 plan year, HSRI has integrated a customizable decision support tool into its online enrollment portal, healthyrhode.ri.gov, allowing customers to shop and compare plans, including new estimates of out-of-pocket costs and costs they might face under different plans. HSRI also offers an anonymous online version of this Plan Comparison and Savings Tool, which lets those looking for general information on plans estimate their monthly premium and out-of-pocket costs, identify financial help and find in-network doctors without providing or saving personal information.

Virtual information sessions specific to Open Enrollment will be held throughout the upcoming months, the first of which are at 11:30 a.m. on November 5 and 9:30 on November 7. To sign up for this event, or to find information on other info sessions offered in both English and Spanish, go to HealthSourceRI.com/events.

HSRI’s usual call center hours of Monday through Friday, 8 a.m. to 6 p.m. are expanded during Open Enrollment to include late Tuesday evening hours until 8 p.m., and Saturday mornings, 9 a.m. to noon. During call center hours, HSRI also offers live web chat services on ﷟HealthSourceRI.com, in both English and Spanish, where individuals can ask questions, reset their passwords, and get enrollment support from a live agent.

In addition to assistance through HSRI’s live web chat tool, one-on-one enrollment support is available in-person, via phone, or virtually through HSRI’s Navigator agencies, which are located throughout the state. Individuals can also make appointments for assistance at HSRI’s Walk-In Center at 401 Wampanoag Trail in East Providence. Appointments can be booked at HealthSourceRI.com/OE. Enrollment support is also available by calling 1-855-840-HSRI (4774).

Rhode Islanders have until December 23, 2024 to select and pay for coverage that starts January 1, 2025. The last possible day to enroll and pay for a 2025 plan under Open Enrollment is January 31, for coverage that starts February 1, 2025. For the most up to date information about HSRI’s Open Enrollment period, and additional customer service information, visit HealthSourceRI.com/OE .

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HealthSource RI is the state’s health insurance marketplace. Since 2013, HealthSource RI has decreased the uninsured rate by more than two thirds. Today, nearly 98 percent of Rhode Islanders have health coverage, the sixth highest insured rate in the country. HealthSource RI is the only place Rhode Islanders can receive financial help to pay for their health coverage. Currently, 6 out of 7 HealthSource RI customers receive financial assistance.

The post HealthSource RI Annual Open Enrollment Period Begins Nov. 1 first appeared on HealthSource RI.

PROVIDENCE – Analysis of the latest Rhode Island Health Information Survey (HIS) conducted on behalf of HealthSource RI (HSRI), Rhode Island’s state-based health coverage marketplace, shows that just 2.2% of Rhode Islanders are estimated to be uninsured, a reduction from 2.9% the last time this survey was conducted in 2022. While this reduction is within the margin of error, the recording of an uninsured rate under 3%” is encouraging, particularly during a time period that saw the return to annual renewals for Medicaid customers, a potential disruption to coverage that Rhode Island leaders worked diligently to guard against. With this progress, Rhode Island proudly remains near the top in national rankings of the states with the lowest uninsured rates. Recently released federal data from 2023 bears this out, though using different methodology that makes direct comparison with the HIS difficult.

“Ensuring access to high-quality, affordable health care is key to ensuring that Rhode Island and its people remain strong and successful,” said Governor Dan McKee. “An integral part of that is the health coverage that protects from unexpected costs and allows individuals and families to take advantage of regular preventative care. I’m proud that even through the reintroduction of the annual Medicaid renewal process at the end of the pandemic, Rhode Island has done a remarkable job of keeping its citizens covered and even achieved its lowest ever uninsured rate.”

HealthSource RI has served nearly 161,000 Rhode Islanders since its inception in 2013, roughly mirroring the proportion of 1 in 7 Americans, about 50 million individuals, served by state and federal exchanges nationwide.  HSRI’s role in connecting Rhode Islanders to coverage has been booming in recent months, with enrollment swelling to an all-time high of more than 46,000 in its individual and family plan offerings, and an additional 8,200 lives covered through its small employers arm serving local businesses and non-profits with access to group plans. An automatic enrollment and premium support program introduced by Governor McKee and supported with legislative action kept almost 11,000 customers transitioning from Medicaid connected to coverage through HSRI, providing a cushion to those in income brackets just above Medicaid eligibility. Almost 6,000 more outside of those programs enrolled in coverage through HSRI, nearly all benefitting from federal subsidies that are at an all-time high through enhancements created by the American Rescue Plan Act (ARPA) of 2021 and extended via the Inflation Reduction Act (IRA) of 2022. Those enhancements are set to expire at the end of 2025 without further Congressional action.

“This incredible rate of near-universal coverage for Rhode Island is a mark of the maturing of our state-based marketplace, built for and tailored to the needs of Rhode Islanders,” said Lindsay Lang, Director of Health Source RI. “HSRI has been collaborating more closely than ever with our partners at Medicaid to ensure continuity of coverage for thousands, our small employer services continue to grow and meet the needs of the state’s businesses and nonprofits, and increasingly families and individuals look to us for their coverage needs. We value the results of this and other surveys as we refine and grow our operations, outreach and tools available to keep Rhode Islanders connected to high-quality, affordable coverage.”

The HIS provides leaders with some key learnings about the approximately 24,000 Rhode Islanders who remain uninsured, information that will be actionable in the state’s ongoing efforts to boost awareness of and access to the spectrum of health coverage options available to Rhode Islanders:

• Only 0.2% of children 17 and younger remain uninsured.
• Young adults 18-25 are improving their rate of coverage, with only 3.5% uninsured, continuing a 12-year downward trend. Their next older peer group, from ages 26-35, also trends in the right direction with 6.4% uninsured, down from 7.6% in the 2022 survey and a baseline high of 26% in 2012.
• Those 45-64 are highly likely to be covered, boasting a 1.8% uninsured rate.
• Males are more likely than females to be uninsured, with 3.5% of males vs 1.1% of females uninsured.
• Employment status does not necessarily assure coverage status – those who are employed full-time are no more likely to be covered than the general population; in fact, 3.9% of those working full-time and 2.9% of part-time workers are uninsured.
• Disparities persist based on race, ethnicity and birthplace, trends that HSRI and other state health leaders have been grappling with over time:
  • 3% of white, 4.1% of black, 2.5% and of Asian Rhode Islanders are uninsured;
  • 1% of the Hispanic population are uninsured vs. 1.2% of the non-Hispanic population;
  • 3% of those born in the U.S. are uninsured vs. 8.8% of those born elsewhere.
• Underinsurance, inadequate coverage that can cause financial hardship because of high out-of-pocket costs, continues to surface as an issue for more than a quarter of Rhode Islanders.

The HIS has been surveying Rhode Islanders periodically to gain insights on their insurance status, health care costs, experience getting medical care, use of medical services, and relevant demographic variables. Six separate surveys have been conducted so far, with the first survey being administered in 2012. The most recent survey was administered via phone and online form to nearly 2,900 households including 7,500 Rhode Islanders and delivered in English and Spanish. The margin of error on the topline result is plus 1.3% or minus 0.8%.

The full findings of the 2024 Rhode Island Health Information Survey are available at HealthSourceRI.com/Surveys-and-Reports.

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About HealthSource RI:

HealthSource RI is the state’s health insurance marketplace. It’s our mission to help Rhode Islanders easily navigate the complex health insurance landscape and enroll in a plan that works best for their individual and family needs. Since 2013, HealthSource RI has decreased the uninsured rate by more than two thirds. Today, nearly 98 percent of Rhode Islanders have health coverage, the sixth highest insured rate in the country. HealthSource RI is the only place Rhode Islanders can receive financial help to pay for their health coverage. Currently, 6 out of 7 HealthSource RI customers receive financial assistance.

The post Survey: Rhode Island Sustains Low Uninsured Rate first appeared on HealthSource RI.

PROVIDENCE – HealthSource RI (HSRI) concluded its annual Open Enrollment period January 31, with its highest ever OE total of 34,456. Of those, 9,539 Rhode Island residents are newly enrolled in the affordable qualified health plans available through the state marketplace. An additional 24,917 individuals, or 76% of last year’s customers, renewed their coverage during the same period, which started November 1.

The new benchmark for Rhode Island comes on the heels of national news of climbing federal and state-based marketplace enrollments, which hit 20 million in mid-January, celebrated by the Centers for Medicare and Medicaid Services, only to surpass the 21 million mark by the conclusion of Open Enrollment, according to a CMS news release. In keeping with this trend, HealthSource RI continues to see growth in the intervening weeks, with 39,273 paid enrollments as of April 1.

In the course of Medicaid renewals, which resumed in April 2023 after suspension due to the COVID-19 public health emergency, HealthSource RI has successfully transitioned more than 14,000 former Medicaid customers to qualified health plans on the marketplace, often at little to no initial cost due to federal financial assistance and state support programs put in place to ease the transition.

“HealthSource RI is a vital resource for the people of Rhode Island, offering an accessible, affordable way to stay connected to quality coverage through a variety of life changes,” said Governor Dan McKee. “We as a state are proud of our position as a leader in health coverage, and with the collaboration between HSRI and our RI Medicaid program, we are making that direct connection for so many.”

“HealthSource RI is here to help Rhode Islanders get and stay connected with quality, affordable health coverage,” said HSRI Director Lindsay Lang. “Along with our colleagues across the country celebrating 21 million covered under the Affordable Care Act, HSRI is thrilled that we’ve surpassed our previous years’ enrollments and are still growing, welcoming these 9,539 new customers and more. Whatever the reason, when Rhode Islanders need health coverage, we hope that they continue to think of HealthSource RI as their first, best option to take advantage of all the options and supports we can offer.”

Since 2013, HSRI has decreased the uninsured rate by more than two thirds. As of 2022, 97 percent of Rhode Islanders had health coverage, among the highest insured rates in the country. For detailed information from both HSRI’s 2024 Open Enrollment Report and the 2022 Health Information Survey, visit HealthSourceRI.com/Surveys-and-Reports. HSRI is the only place Rhode Islanders can receive Advance Premium Tax Credits to help pay for their health coverage, with customers qualifying for nearly $11.7 million in Advance Premium Tax Credits in January 2024. Currently, 6 out of 7 HSRI customers receive financial assistance, and tax credits continue to protect consumers from rising costs. While the average premium before tax credits of all currently active plans is $549, that average drops to $106 per month after applying tax credits, about $4 less than last year despite a more than $25 increase in the plan price. In fact, 32% of HSRI customers currently pay less than $10 a month to stay covered.

Now that HSRI’s annual Open Enrollment is complete, individuals and families who have experienced certain life events may be eligible to shop for a new plan during a Special Enrollment Period (SEP), which is a 60-day window to enroll starting before or after that event. Qualifying SEP events include a loss of other medical coverage including Medicaid, moving into Rhode Island, getting married or divorced, or having or adopting a child. Individuals can visit HealthSourceRI.com/SEP to learn more about these qualifying events, register for an online info session, get live expert support through chat in English or Spanish, book an appointment, or enroll online. Enrollment support is also available by calling 1-855-840-HSRI (4774).

The mission of HealthSource RI, the state’s health insurance marketplace, is to help Rhode Islanders reach near-universal health insurance by increasing access to high quality, affordable coverage. We do that by helping Rhode Islanders access federal affordability assistance and a pick a plan that best suits their needs.HSRI’s Plan Comparison and Savings Tool lets families estimate their monthly premium and out-of-pocket costs, identify financial help and find in-network doctors. Through the HealthSource RI for Employers program, HSRI also services over 1,100 small employers in Rhode Island and nearly 8,000 employees and dependents.

The post HealthSource RI Open Enrollment closes with record enrollment of 34,456 first appeared on HealthSource RI.

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The post Get Help During Tax Season first appeared on HealthSource RI.

PROVIDENCE, R.I. – Governor Dan McKee and HealthSource RI today announced that November 1 marks the beginning of the annual Open Enrollment period for Rhode Island’s health insurance marketplace, HealthSource RI (HSRI). From now through January 31, 2024, individuals and families can enroll in, change or renew their health and dental coverage at HealthSourceRI.com/OE or by calling 1-855-840-HSRI (1-855-840-4774).

“Rhode Island is a national leader in health coverage, and in this vital time for staying covered, the health and well-being of each and every Rhode Islander remains a priority,” said Governor Dan McKee. “We’re fortunate that HealthSource RI continues to provide Rhode Islanders with affordable options for high-quality coverage. Applying is easy and I encourage Rhode Islanders in need of health coverage to compare plans and find the one that works best for them.”

Presently, more than 32,000 individuals are enrolled in health plans through HealthSource RI. Since 2013, HSRI has decreased the uninsured rate by more than two thirds, and in 2022, the state achieved an historic high of 97 percent of Rhode Islanders with health coverage. As the only place Rhode Islanders can receive financial help to pay for their health coverage, HSRI plays a vital role in connecting customers to quality coverage. Currently, 6 out of 7 HSRI customers receive financial assistance, and nearly a third of customers pay less than $20 per month for their health coverage.

To support HSRI’s efforts to inform Rode Islanders of their coverage options, qualified enrollment assisters will hold the first of several virtual information sessions specific to Open Enrollment at 9:30 a.m. on November 2. To sign up for this event, or to find information on other info sessions, go to HealthSourceRI.com/events. HSRI has also launched major updates to its Plan Comparison and Savings Tool, which lets families estimate their monthly premium and out-of-pocket costs, identify financial help and find in-network doctors.

HSRI’s usual call center hours of Monday through Friday, 8 a.m. to 6 p.m. are expanded during Open Enrollment to include late Tuesday evening hours until 9 p.m., and Saturday mornings, 9 a.m. to noon. Further, during these call center hours, HSRI offers live web chat services on HealthSourceRI.com, in both English and Spanish where individuals can ask questions, reset their passwords, and get enrollment support from a live expert.

“Rhode Island ranks among the top in the nation for its rate of insured citizens,” said HSRI Director Lindsay Lang. “At HealthSource RI, we constantly strive to make it easier and more appealing for Rhode Islanders to find high-quality health coverage options that fit their needs and their budgets, through HSRI’s range of offerings. Our focus on helping people to get and stay insured is one we take seriously, and we look forward to another year of serving individuals and families, as well as our small employer group policy customers.”

In 2023, HealthSource RI has played an integral role along with its partner state agencies in ensuring that Rhode Islanders whose Medicaid eligibility may be ending are fully supported to remain insured. In a unique program introduced by the state, with financial support from Governor McKee’s budget initiative, a segment of the population is enrolled directly into a plan offered through HSRI via an auto-enrollment program designed to help those who may be at the highest risk of losing health insurance. Two months’ premium support is offered as well, again targeting those who may be in the most need of financial assistance. Since Medicaid renewals began again in Spring 2023, HSRI has enrolled more than 3,700 former Medicaid customers, about 40% of those through auto-enrollment and 60% customers who actively enrolled in a Qualified Health Plan.

In addition to assistance through HSRI’s live web chat tool, one-on-one enrollment support is available in-person, via phone, or virtually through HSRI’s Navigator agencies. Individuals can also make appointments for assistance at HSRI’s Walk-In Center at 401 Wampanoag Trail in East Providence. Appointments can be booked at HealthSourceRI.com/OE. Enrollment support is also available by calling 1-855-840-4774.

Rhode Islanders have until December 23, 2023 to pick and pay for coverage that starts January 1, 2024. The last possible day to enroll and pay for a 2024 plan under Open Enrollment is January 31, for coverage that starts February 1, 2024. For the most up to date information about HSRI’s Open Enrollment period, and additional customer service information, visit HealthSourceRI.com/OE or call 1-855-840-HSRI (1-855-840-4774).

The mission of HealthSource RI is to help Rhode Islanders easily navigate the complex health insurance landscape and enroll in a plan that works best for their individual and family needs. HSRI’s Plan Comparison and Savings Tool lets families estimate their monthly premium and out-of-pocket costs, identify financial help and find in-network doctors. With continued federal subsidies and various enrollment assistance options, HSRI is ensuring that Rhode Islanders have access to high-quality, low-cost health insurance.

The post Governor McKee and HealthSource RI Announce Annual Open Enrollment Period Begins Now first appeared on HealthSource RI.

The State of Rhode Island (“we”) and its affiliates are committed to protecting and preserving your privacy. This policy, together with our Terms of Use and Conditions, and any other underlying agreements or terms, sets out the basis on which any data we collect from you, or that you provide to us, will be processed by us. By using our HealthyRhode mobile application (“Application”), you are accepting the practices described in this Privacy Policy. This Privacy Policy also describes the manner in which we process, use and disclose information that you provide to us when you use our Application.

By using this Application, you consent to the use of the information that you provide to us in accordance with this Privacy Policy. We do update this Privacy Policy from time to time, so please review this Privacy Policy regularly. Your continued use of the Application will be deemed your agreement that your information may be used in accordance with the new policy. If you do not agree with the changes, then you should stop using the Application, and you should notify us that you do not want your information used in accordance with the changes.

 

Mobile Application Privacy Notice 

Please read this Policy carefully to fully understand how we collect, share and protect information about you. This Policy is incorporated into and is a part of the Terms of Use and Conditions for this Application. To access the Terms of Use and Conditions, navigate to the terms and conditions link in the app from the menu.

By accessing and using the Application, you agree that you have read and understand this Privacy Policy and that you accept and consent to the privacy practices and uses and disclosures of your information as described herein.

In order to deliver personalized and relevant information to you through our Application, we collect certain information from users.

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Information We Collect 

In operating our Application, we may collect and process the following data about you:

1. Details of your visits to our Application and the resources that you access, including, but not limited to, news posts, location data, the date and time you accessed or left the Application, or received notifications.
2. Information that you provide directly to us when downloading or using our Application or our website healthyrhode.ri.gov, including file information. Depending on the website you are using, the file information collected, whether or not personally identifiable, may include audio, video, and other graphic formats you send us.

 

Use of Your Information

The information that we collect and store relating to you is primarily used to enable us to provide our products and/or services to you in the best possible manner. In addition, we may use the information for the following purposes:

1. To provide you with information relating to our services and/or products
2. To analyze statistical information about the users of our Application;
3. To monitor and conduct an analysis of our Application traffic and usage patterns; To analyze trends.

 

Sharing of Your Information Sharing

We do not sell, trade or give away your personal information to anyone. Additionally, we use industry-leading technologies to ensure the security and confidentiality of the personal information you provide us.

Throughout this policy, we refer to information that can identify you as a specific individual, such as your name, phone number, email address, Social Security number or credit card number, as “personal information.” Further, personal information includes any information involving your health or medical status or history, or other information obtained through the application process.

1. We do not disclose your personal information to third parties except as specified in this Privacy Policy. We may disclose your personal information if one of the following limited exceptions applies.

• • Insurance Companies, Licensed Agents/Brokers and Navigators, state and federal government (as required by law and specified below) or Administrators. If you submit an application for an insurance product offered by us or for a benefit program including but not limited to but not limited to SNAP (food stamps), Child Care Assistance, RI Works (TANF), LTSS, GPA, and SSP, then we will disclose your personal information to your chosen insurance company to process your application. If you submit an application for an insurance product offered through an insurance agent or agency, or through a navigator or other application assistor with a relationship with us, then we may share your personal information with that party for the purposes of processing your application or enrollment. Please be assured that these partners are only allowed to use your personal information to process your requested quote, application, or enrollment form and are contractually obligated to maintain confidentiality.

• • Service Providers. We may disclose your personal information to other companies that help us process or service your insurance application or correspond with you. For example, we may provide your personal information to a service provider to send you monthly bills and process payments received. Please be assured that the companies we hire to process or service your insurance application or correspond with you are not allowed to use your personal information for their own purposes and are contractually obligated to maintain strict confidentiality.

• • Legal Obligations. We may disclose or report your personal information when we believe, in good faith, that the disclosure is necessary to meet a legal obligation, for example, to cooperate with regulators or law enforcement authorities, to resolve consumer disputes, or for litigation.

2. For Other Purposes with Your Written Consent. We may disclose or report your personal information to third parties with your written consent. For example, we may disclose your personal information to a friend or relative helping with your coverage, but only with your written permission. Except as specified in this Privacy Policy, we will not share your personal information with third parties.

3. We collect personal information in the normal course of business in order to process your insurance application and to serve you better.

• • Registering With Us. We begin collecting personal information from you when you register with us. You may register with us through our website by entering your email address and, if you are creating an account, choosing your password. You may also register with us through our Contact Center by providing certain personal or contact information (e.g., email address, phone number, gender, date of birth) to one of our Contact Center specialists.

• • Applying for Health Insurance and Other Products. If you apply for a health insurance or other products through our website, we may ask you to provide us with personal information and/or health information relating to you and any family member who will be included on your application. This information will be used by your chosen insurance company to process your application. Additionally, we may ask you to provide us with credit card or bank information, which will be used to process your application or collect any fees associated with your application or insurance premiums upon approval of your application.

• • Providing you with a Quote or Processing your Application. We may use your personal information to get in touch with you when necessary to process your application or to provide you with a quote. For example, emails will be sent to you throughout the application process to inform you of the status of your application and to seek additional information that is requested as part of the application.

• • Customer Satisfaction, Referrals and Other Products. We or service providers may contact you to survey your satisfaction of our service, refer our products and services to other people, and/or to inform you of additional products and services. You may opt out of receiving these additional communications from us by following the opt-out procedures below.

• • Oversight and Financial Integrity. We may use and disclose your personal information to perform our required functions and for oversight, financial integrity, and quality activities.

4. We gather anonymous information about you for our internal purposes, and we may share this anonymous information with third parties.

• • Anonymous information is any information that does not personally identify you, including aggregate demographic information such as the number of visitors to our website from a particular state.
  • We use anonymous information primarily for marketing purposes and to improve the services we offer you

We may use “Cookies”, “Clear Gifs”, “Internet Protocol” addresses and other monitoring technologies to gather anonymous information. For a more detailed discussion on cookies and clear gifs, please see below.

 

Security Practices

1. We protect the confidentiality and security of your personal information.

• • We maintain physical, electronic and procedural safeguards to protect your personal information. For a more detailed discussion of the electronic safeguards on our website, please see below.

2. We continue to evaluate our efforts to protect your personal information and make every effort to keep your personal information accurate and up to date.

• • If your personally identifiable information changes, or if you want to correct or update your contact information, you may do so through your Customer Portal account at healthyrhode.ri.gov.
  • We will retain your information for as long as your account is active or as needed to provide you services. We will retain and use your information as necessary to comply with our legal obligations, resolve disputes, and enforce our agreements.
  • Please note that once your application has been submitted to your chosen health insurance company, you may have to contact the insurance company directly to update your application.

3. We will provide notice of changes in our information privacy practices.

• • Changes to the Terms and Conditions of Use for the Application may occur from time to time, at our discretion. The modified Terms and Conditions of Use will be effective immediately upon posting. You agree to the new posted Terms and Conditions of Use by continuing your use of the HealthyRhode website or Application. You agree to review the Terms and Conditions of Use periodically and your continued use of the HealthyRhode website or mobile application following such modification will indicate your acceptance of these modified Terms and Conditions of Use and our Privacy Policy. If you do not agree with the modified Terms and Conditions of Use and our Privacy Policy, your only remedy is to discontinue using the HealthyRhode website or mobile application.

 

“Cookies” and “Clear Gifs”

“Cookies” are small files that are stored by your web browser to help a particular system recognize you and the pages you visited in a website. Our website uses cookies to make your online experience more convenient. For example, we may use a cookie to store your account information between sessions and to maintain information about the quotes you’ve requested during your session. Additionally, we may use data from cookies for a variety of internal purposes, such as studying how users navigate our website. We do not collect any personal information from cookies. Further, no other information we collect from cookies can be linked back to your personal information. Most browsers automatically accept cookies, but if you prefer, you can set yours to refuse cookies. Even without a cookie, you can still use most of the features on our website, including obtaining quotes and applying for an insurance policy.

“Clear gifs” are tiny graphics with a unique identifier, similar in function to cookies that are used to track the online movements of website users. The main difference between the two is that clear gifs are invisible on the page and are much smaller than cookies. We do not collect any personal information from clear gifs. Further, no information we collect from clear gifs can be linked back to your personal information. We use third party web analytics services to track and analyze anonymous usage and volume statistical information from visitors to help us administer our website, analyze trends, improve our websites performance and to report website traffic. These web analytics services use cookies, clear gifs, log files and other web monitoring technologies to help track visitor behavior on our behalf. These services do not use these technologies to collect any personally identifiable information from website visitors.

 

Security 

To secure your information, we have put in place commercially suitable physical, electronic, managerial and biometric (facial recognition and fingerprint authentication) procedures to safeguard and secure the information we collect on our Application.

Nonetheless, the transmission of information via the internet is not completely secure and therefore we cannot guarantee the security of data sent to us electronically on our Application, and transmission of such data is therefore entirely at your own risk.

 

Third Party Websites and Mobile Applications 

By accessing third party websites or mobile applications through our Application, you are consenting to the terms and privacy policies of those websites and mobile applications. We do not accept any responsibility or liability for their policies whatsoever as we have no control over them.

Effective Date:  June 26, 2023

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The post HealthyRhode Mobile App Privacy Policy first appeared on HealthSource RI.

PROVIDENCE – HealthSource RI (HSRI) announces that its annual Open Enrollment period has concluded as of January 31, with 4,318 Rhode Island residents newly enrolled in the affordable qualified health plans available through the state marketplace. An additional 24,343 individuals, or 83% of last year’s customers, renewed their coverage during the same period starting November 1.

“We’re encouraged that each year more Rhode Islanders are taking advantage of the quality, affordable coverage options available to them through HealthSource RI,” said Governor Dan McKee. “Rhode Island continues to be a national leader in health coverage and HSRI is an instrumental piece of the effort to maintain our extraordinarily high rate of insurance coverage.”

Beginning this spring, thousands of Rhode Islanders who have been insured through Medicaid during the pandemic are expected to turn to HealthSource RI for their coverage as the Medicaid program returns to normal operations with a renewal process that has been suspended since the start of the COVID-19 public health emergency. HSRI is working closely with state health and human service agencies to ensure that the process is as seamless as possible for consumers. This includes a targeted program aimed at helping those who are eligible with two months of premium assistance when they transition off of Medicaid, and in some cases, automatically enrolling individuals and families into a plan on the state marketplace. Most customers enrolled through HSRI are eligible for federal premium tax credits which bring down the monthly cost of coverage. The best way to prepare for Medicaid renewals to begin again is to ensure your contact information is current, as important notifications will arrive in the coming weeks and months.

“HealthSource RI is here to help Rhode Islanders get and stay covered with quality, affordable health coverage,” said HSRI Director Lindsay Lang. “I’m thrilled we’ve been able to do that for over 4,000 new customers this year, and look forward to assisting anyone looking to continue their coverage after Medicaid in the months ahead.”

Since 2013, HSRI has decreased the uninsured rate by more than two thirds. As of 2022, 97 percent of Rhode Islanders have health coverage, among the highest insured rates in the country. For detailed information from both HSRI’s 2023 Open Enrollment Report and the 2022 Health Information Survey, visit HealthSourceRI.com/Surveys-and-Reports. HSRI is the only place Rhode Islanders can receive financial help to pay for their health coverage. Currently, 6 out of 7 HSRI customers receive financial assistance. Tax credits continue to protect consumers from rising costs. While the average premium before tax credits of all currently active plans is $522.73, that average drops to $110.24 per month after applying tax credits. In fact, 31% of HSRI customers currently pay less than $20 a month to stay covered.

Now that HSRI’s annual Open Enrollment is complete, individuals and families who have experienced certain life events may be eligible to shop for a new plan during a Special Enrollment Period (SEP), which is a 60-day window to enroll starting before or after that event. Qualifying SEP events include a loss of other medical coverage, moving into the Rhode Island, getting married or divorced, having or adopting a child, or experiencing a change in household income. Individuals can visit HealthSourceRI.com/SEP to learn more about these qualifying events, register for an online info session, get live expert support through chat in English or Spanish, book an appointment, or enroll online. Enrollment support is also available by calling 1-855-840-HSRI (4774).

The mission of HealthSource RI, the state’s health insurance marketplace, is to help Rhode Islanders reach near-universal health insurance by increasing access to high quality, affordable coverage. We do that by helping Rhode Islanders access federal affordability assistance and a pick a plan that best suits their needs. HSRI’s Plan Comparison and Savings Tool lets families estimate their monthly premium and out-of-pocket costs, identify financial help and find in-network doctors.

The post HealthSource RI Concludes Open Enrollment Period first appeared on HealthSource RI.

PROVIDENCE, RI – Governor Dan McKee announced that tomorrow is the first day of Open Enrollment for Rhode Island’s health insurance marketplace, HealthSource RI (HSRI). From November 1, 2022 through January 31, 2023, individuals can enroll, change or renew their health coverage at HealthSourceRI.com/OE or 1-855-840-HSRI (1-855-840-4774).

To support this effort, trained and certified HSRI staff will hold the first of several virtual information sessions at 9:30 a.m. on November 3. Sign up information, as well as additional info sessions, can be found at HealthSourceRI.com/Events.

“Rhode Island is a national leader in health coverage, and the health and well-being of each and every Rhode Islander remains a priority,” said Governor Dan McKee. “We’re fortunate that HealthSource RI continues to provide Rhode Islanders with affordable options for high-quality coverage. Applying is easy and I encourage Rhode Islanders in need of health coverage to compare plans and find the one that works best for them.”

Since 2013, HSRI has decreased the uninsured rate by more than two thirds. Today, 97 percent of Rhode Islanders have health coverage, among the highest insured rates in the country. HSRI is the only place Rhode Islanders can receive financial help to pay for their health coverage. Currently, 6 out of 7 HSRI customers receive financial assistance.

“As we head into our tenth open enrollment period, I’m happy to share that we have reached an all-time low uninsured rate in Rhode Island of 2.9%” said HSRI Director Lindsay Lang. “Our goal however, is to reach near-universal insurance. To that end, we’re making the process of getting and staying covered easier than ever by offering many ways to enroll or renew.”

In addition to the virtual information sessions, HSRI offers live web chat services in English and Spanish where individuals can ask questions, reset their passwords, and get enrollment support from a live expert on HealthSourceRI.com. One-on-one enrollment support is available in-person, via phone, or virtually through HSRI’s Navigator agencies.  Individuals can also make appointments for assistance at HSRI’s Walk-In Center at 401 Wampanoag Trail in East Providence. Appointments can be booked at HealthSourceRI.com/OE. Enrollment support is also available by calling 1-855-840-4774.

Rhode Islanders have until December 23, 2022 to pick and pay for coverage that starts January 1, 2023. The last possible day to enroll and pay for a 2023 plan is January 31, for coverage that starts February 1, 2023. For the most up to date information about HSRI’s Open Enrollment period, and additional customer service information, visit HealthSourceRI.com/OE or call 1-855-840-HSRI (1-855-840-4774).

The mission of HealthSource RI is to help Rhode Islanders easily navigate the complex health insurance landscape and enroll in a plan that works best for their individual and family needs. HSRI’s Plan Comparison and Savings Tool lets families estimate their monthly premium and out-of-pocket costs, identify financial help and find in-network doctors. With continued federal subsidies and various enrollment assistance options, HSRI is ensuring that Rhode Islanders have access to high-quality, low-cost health insurance.

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The post HealthSource RI’s Open Enrollment Period Begins Tomorrow first appeared on HealthSource RI.

Transitions from Medicaid to QHP 

HealthSource RI has a Medicaid to QHP Transition Program to help people stay covered if their Medicaid coverage is ending. This program has a few components, including auto-enrollment for certain customers, and, for 2025 coverage, one month of premium payment for those and other customers. Even if you don’t qualify for these special programs, federal tax credits can help you afford coverage through HealthSource RI if you aren’t offered affordable coverage elsewhere.

 

If you have questions about Medicaid and renewals, please visit https://staycovered.ri.gov.

  

60-Day Special Enrollment Period Available for Medicaid Terminations

As Rhode Island’s state-based marketplace, HealthSource RI (HSRI) offers Special Enrollment Periods (SEP) for residents who have experienced a Qualifying Life Event (QLE). Residents whose Medicaid coverage ends are eligible for a 60-day Special Enrollment Period to apply for coverage through HealthSource RI. This is available prior to loss of coverage and for 60 days after loss of coverage.

Outside of termination from Medicaid, any other QLE still applies for eligibility to enroll in a plan. For more information about HSRI’s Special Enrollment Period or other ways you could be eligible to enroll, visit https://healthsourceri.com/sep.

 

 

Coverage through HealthSource RI is the Only Way to Take Advantage of Federal Tax Credits

HealthSource RI is Rhode Island’s official health coverage marketplace, which means we are your only source for getting financial assistance to help lower your monthly coverage costs. We connect Rhode Islanders to health plans that meet their needs and their budgets. A majority of our customers receive financial assistance, in the form of Advanced Premium Tax Credits (APTCs) to help lower their monthly coverage costs. We offer a range of plans to help each customer meet their health needs and budget.

 

 

HealthSource RI’s Auto-Enrollment Program and Premium Assistance

It’s essential that Rhode Islanders retain health coverage even if their Medicaid eligibility ends. As Medicaid renewals began again after the COVID-19 pandemic, HealthSource RI, in collaboration with Governor McKee, instituted the Auto-Enrollment Program. The goal of this program is to help residents avoid unnecessary gaps in health coverage that could occur when transitioning from Medicaid.

The Auto-Enrollment Program connects Rhode Islanders who are terminated from Medicaid with health coverage through HealthSource RI. Those eligible for auto-enrollment will be enrolled in a silver health plan. Silver health plans have low premium payments and allow individuals to access the reduced out-of-pocket costs of a Cost-Sharing Reduction plan. Eligible individuals will be able to enroll in a Qualified Health Plan (QHP) with financial support to cover the first month’s premium (in place through the 2025 plan year). 

• Those at less than 250% of the federal poverty level (FPL) (for instance, $37,650 for an individual or $78,000 for a family of four) are eligible for federal premium tax credits and Rhode Island’s one-month premium support (for 2025 coverage only), ensuring a zero-cost transition to coverage through HSRI. They will have to pick a plan and enroll through HSRI.
• Those at less than 200% FPL ($30,120 for an individual or $62,400 for a family of four) are eligible for the federal premium tax credit and premium support (through December 2025). They will be automatically enrolled into a designated plan through HSRI.

Individuals will have 60 days to change their plan or disenroll from their plan in the program.

Individuals who are automatically enrolled in a qualified health plan (QHP) will also be eligible for the 60-day Special Enrollment Period. They will have sixty days from the end of their Medicaid coverage to select a different health plan from the one they were automatically enrolled in or retroactively disenroll. During this Special Enrollment Period, individuals may also select and enroll in a dental plan.

This initiative is critical to ensure Rhode Island’s families continue to have access to quality health coverage and do not experience gaps in health coverage after Medicaid. Having quality health coverage will also help ensure that people enrolled in this initiative can avoid high medical costs they might otherwise face if they were uninsured.

 

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Frequently Asked Questions:

Auto-Enrollment

Who is eligible for auto-enrollment?

Most individuals and families who fit the following criteria will be eligible for auto-enrollment and one month’s premium payment through the Medicaid to QHP Transition Program:

• Your Medicaid coverage is ending
• You don’t have access to other coverage from an employer or elsewhere
• Your household has an income below 200% of the federal poverty level. Make sure your income is up to date in your application.

Family Size:	1	2	3	4	5
200% of FPL for 2025 coverage	$30,120	$40,880	$51,640	$62,400	$73,160

I was auto-enrolled. Do I need to do anything?

First, make sure your income and other application information is correct in your account. If it is out of date, your tax credits may not be accurate, and you might have to reconcile them later on your tax return. Second, you may want to browse other plans or add dental coverage. See the following questions for more information on coverage, changing plans, and adding dental.

I was auto-enrolled. Is dental coverage included in my plan?

No, you have not been automatically enrolled for a dental plan, BUT you can browse our plans and add one. The one month premium assistance available for 2025 applies to dental plans as well. Please note that tax credits do not apply to dental, so you will be responsible after the first month for the full premium payment.

I was automatically enrolled in a plan, but I’d like to learn about different health plans. If I want to, how do I change plans?

HealthSource RI offers plans from multiple insurance companies, and you may choose to switch to a plan with another company within this program. Visit HealthSourceRI.com/Calculator to view your options.

To change your health plan, please call 1-855-840-4774 for assistance or click here to learn about other ways to get help. If you would like to enroll in a different plan or add dental coverage, you may do so no later than 60 days from the day your Medicaid coverage ended.

I was automatically enrolled in a plan but do not need this health coverage. How do I disenroll from this program?

To disenroll from health coverage through HSRI, visit HealthyRhode.RI.gov or call us at 1-855-840-4774.

• If you do not need or do not want this coverage, you must opt-out no later than 60 days from the day your Medicaid coverage ended. Failure to do so may result in tax liability or premiums owed to the carrier.
• Keep in mind that health insurance is required in Rhode Island. See our website for details.

I was auto-enrolled after the end of my Medicaid coverage. Does my HealthSource RI plan cover abortion services?

Those who were auto-enrolled after January 2024 were put into a version of the Neighborhood Value Plan that does cover abortion services. However, there are plans available, including a different *Neighborhood Value plan, that do not include coverage for abortions.

Keep in mind that copays, deductibles, and monthly premiums vary for each plan, so consider these when looking at all HSRI plans.

Those who were auto-enrolled have a 60-day opportunity to switch plans after their coverage start date, and that plan change can apply retroactively if desired. When viewing HSRI materials or picking a plan online, plans that exclude most abortion coverage have an asterisk (*) before the name. Plans without an asterisk include coverage for abortion services.

Premium Assistance (through plan year 2025)

Am I eligible for my first month with HSRI to be paid?

You may be eligible for medical and dental coverage through HealthSource RI with payments to cover the first month if:

• You were recently disenrolled from no-cost coverage through RI Medicaid
• You don’t have access to other coverage from an employer or elsewhere.
• You are part of a household with an income below 250 percent of the Federal Poverty Level (FPL). Make sure your income is up to date in your application.

Family Size:	1	2	3	4	5
250% of FPL for 2025 coverage	$37,650	$51,000	$64,550	$78,000	$91,450

I am eligible for the state payment program. Will the State pay for any plan I choose?

Yes, the State will pay for one month of any health and/or dental plan you choose. However, be sure to pick one that you can afford when you need to make payment after the first month. To get the coverage activated quickly, you may make your own first payment. This will not reduce the payment the State will make. It will be applied as a credit toward your next month(s). The state payment might be a little less than one month of premium.

Does this premium assistance program apply to dental coverage as well?

Yes, the State of Rhode Island will also cover the premium payment for one month of dental coverage for individuals eligible for the Medicaid to QHP Transition program in 2025. You must choose dental coverage to have it. It is not part of auto-enrollment.

When does the State make payments for coverage?

The State will make payments once per month, shortly after the 18th of the month. The State will pay for one month of medical/dental (if selected) premium together. If you change plans or add a dental plan after payment was made, there might be a second payment to cover the difference.

What if I don’t need the coverage, or I choose less expensive coverage, but the State has already paid? Do I owe money back?

If you don’t need the coverage, please cancel it. You don’t need to do anything to pay back the money if a payment was already made. If the money is unused on your account, HSRI may recover it directly later.

What happens if I made a payment before the State could pay?

If you already made a payment before the State did, the State’s payment will be applied as a credit toward the next month.

What happens if the State makes a payment, but I don’t continue payments? Am I at risk of owing tax credits to the IRS?

Once you fall behind on payment, you have a grace period to catch up. If you don’t catch up, your coverage will be terminated. You may owe your insurance carrier for unpaid month(s) of coverage. When you file taxes, you may have to pay back tax credits paid on your behalf for month(s) where you didn’t make a payment. These tax credits can be significant. If you don’t need or can’t keep your coverage, please tell us as soon as possible to avoid owing money later.

What should I do if I would like to keep my coverage after the initial month?

First, make sure your income and other application information is correct in your account. If it is out of date, your tax credits may not be accurate, and you might have to reconcile them later on your tax return. After the first month of coverage, enrolled customers should be aware that they must make premium payments billed in future months to stay covered. Premium payments are due on the 23rd of each month. Your invoices will tell you the amount you owe and when it is due.

Other Coverage Questions

I wasn’t auto-enrolled, but I need coverage. How do I enroll?

Depending on your income and access to other coverage, you may still be eligible for our payment program. Even if you do not qualify for the payment program, you may still be eligible to enroll in health coverage with financial assistance through HealthSource RI. To get a quick quote and see how much financial assistance you may be eligible for, visit HealthSourceRI.com/Calculator. (The calculator will show you your monthly premium, but it will not tell you if you are eligible for one month of premium payment). To enroll, visit HealthyRhode.RI.gov, call us at 1-855-840-4774, or click here to learn how you can get enrollment assistance.

Why is it important to update my income and other account information?

If your income or other information, particularly access to other coverage, is out of date, your tax credits may not be accurate, and you might have to pay some or all of them back later when you file taxes. Also, if your information is out of date, you may not be receiving all the financial assistance you could be. Please update your account to make sure you don’t get too much or too little assistance.

My Benefits Decision Notice said my Medicaid coverage is ending, and I qualify for no tax credits. I need coverage. Is that right? What can I do?

First, make sure your application information is complete and up to date. Certain application questions, such as whether you give consent for us to obtain and use information from other sources to verify your eligibility, can disqualify you from tax credit assistance. Once you update them, you may be eligible.

Once you’ve updated your application, there are still some reasons you may not qualify for tax credits. Income that is too high or access to other coverage are common reasons. Contact us if you still need assistance in determining why you do not qualify. If you are still ineligible for tax credits, you can still buy a plan through HSRI at full cost if you choose.

HealthSource RI connects you with health and dental insurance from these companies:

The post Transitioning from Medicaid to a Qualified Health Plan first appeared on HealthSource RI.

The American Rescue Plan Act (ARPA), enacted by the federal government in February 2021, provided historically high savings in the form of subsidies/tax credits for eligible individuals and families in Rhode Island. ARPA also created a new opportunity for individuals and families whose income is over 400% of the federal poverty level (FPL) to receive financial assistance.

In the month of January 2022, HealthSource RI customers qualified for more than $10 million (28% increase from last year) in financial assistance to make their premiums more affordable. These premium tax credits continue to protect a majority of HealthSource RI’s customers from rising health insurance rates. Since HealthSource RI’s inception, Rhode Islanders have received almost $800 million for financial assistance to lower their monthly coverage costs.

For a more in-depth look at HealthSource RI’s Open Enrollment, read HealthSource RI’s Open Enrollment Report at HealthSourceRI.com/Surveys-and-Reports.

HealthSource RI is the state’s health insurance marketplace. It’s our mission to help Rhode Islanders easily navigate the complex health insurance landscape and enroll in a plan that works best for their individual and family needs. Since 2013, HealthSource RI has decreased the uninsured rate by more than two thirds. Today, 96 percent of Rhode Islanders have health coverage, the third highest insured rate in the country. HealthSource RI is the only place Rhode Islanders can receive financial help to pay for their health coverage. Currently, 6 out of 7 HealthSource RI customers received financial assistance.

The post HealthSource RI ends successful Open Enrollment with largest enrollment since 2020 first appeared on HealthSource RI.

EAST PROVIDENCE – Open Enrollment through HealthSource RI, Rhode Island’s health insurance marketplace, begins today November 1, 2021 and runs through January 31, 2022 to help connect Rhode Island residents with high-quality, low-cost or no-cost coverage for 2022. Thanks to the federal American Rescue Plan Act (ARPA), coverage through HealthSource RI is now more affordable than ever.

“Thanks to the American Rescue Plan Act, health coverage is more attainable than it’s ever been before.  If you don’t think you qualify for help, or if you’ve been on the fence about getting covered, now is the time to contact HealthSource RI.” said HealthSource RI Director Lindsay Lang. “Right now, 43% of HealthSource RI customers are paying less than $10 in monthly premium costs. This year, our Open Enrollment period is extended through January 31, 2022 to ensure as many Rhode Islanders as possible can connect with financial help and enroll in the coverage they need.”

“As we reflect on the past year and a half, and all of the challenges our state has navigated throughout the COVID-19 pandemic, being able to offer Rhode Islanders high-quality coverage at little or no cost is of the utmost importance,” said Governor Dan McKee. “Focusing on our health and wellbeing has perhaps never been more important than it is now, and thanks to our federal partners and the American Rescue Plan Act, coverage through HealthSource RI has never been more affordable.

Residents have until December 23 to pick and pay for coverage that starts January 1. The last possible day to enroll and pay for a 2022 plan is January 31, for coverage that starts February 1, 2022. For the most up to date information about HealthSource RI’s Open Enrollment period, and additional customer service information, visit HealthSourceRI.com/OE or call 1-855-840-4774.

Enrollment support available from the comfort of your home

HealthSource RI will be hosting a series of virtual Info Sessions where Rhode Islanders can learn more about these new savings and get answers to all their questions by trained and certified staff. A full list of events can be found at HealthSourceRI.com/Events. Enrollment support will also be available throughout the state at Navigator agencies.

HealthSource RI offers live web chat services in English and Spanish where individuals can ask questions, reset their passwords, and get enrollment support from a live expert on HealthSourceRI.com. Enrollment support is also available by calling 1-855-840-4774.

For in-person enrollment support at HealthSource RI’s Walk-In Center in East Providence, you must book an appointment at HealthSourceRI.com/OE.

Compare plans and see what financial help you may qualify for

Compare medical and dental plans side-by-side before applying by using HealthSource RI’s Plan Comparison and Savings Tool. You can find an estimate of your monthly premium and out-of-pocket costs, see what financial help you may qualify for, check if your doctor(s) are in-network, and more!

HealthSource RI is the state’s health insurance marketplace. It’s our mission to help Rhode Islanders easily navigate the complex health insurance landscape and enroll in a plan that works best for their individual and family needs. Since 2013, HealthSource RI has decreased the uninsured rate by more than two thirds. Today, 96 percent of Rhode Islanders have health coverage, the third lowest uninsured rate in the country. HealthSource RI is the only place Rhode Islanders can receive financial help to pay for their health coverage. In 2021, 6 out of 7 HealthSource RI customers received financial assistance.

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• New Enrollment Period has been extended through August 15, 2021, adding three months to the previous May 15, 2021 deadline.
• Starting April 1, most HSRI customers will have a lower monthly bill.
• Beginning in summer 2021, HSRI will make more financial assistance available to people who previously did not qualify to receive it based on their income.
• Individuals and families who have received unemployment payments in 2021 will be newly eligible for additional financial help for this year or may qualify for health coverage at no cost.
• Rhode Islanders should enroll in coverage as soon as possible to take full advantage of these new benefits.
• The deadline to enroll is August 15, 2021.

EAST PROVIDENCE, Rhode Island, March 25, 2021 — HealthSource RI’s New Enrollment Period has been extended through August 15, 2021, following President Biden’s decision to create another opportunity for Americans to sign up for health coverage. The extended deadline gives new and current customers a chance to receive new savings created by the American Rescue Plan (ARP). Eligible Rhode Islanders will receive increased tax credits to help reduce their monthly coverage costs thr­­­ough HealthSource RI, and most customers will qualify for this additional financial help.

Most Rhode Island individuals and families who are enrolled in health coverage through HSRI for 2021 and 2022 will be eligible to receive additional financial help to lower their monthly coverage costs. HSRI is conducting outreach to current customers to provide this additional financial assistance. Due to the changes made by the ARP, for example, an eligible Rhode Island family of with $60,000 annual income could save $2,650 this year.  Additionally, starting this summer, an eligible Rhode Island family or individual who has received unemployment assistance in 2021 will be able to sign up for coverage and receive the maximum amount of financial support available.

“Increasing access to affordable health coverage for Rhode Islanders and their families is more important than ever,” said Governor Dan McKee. “As our communities continue to respond to the COVID-19 pandemic, President Biden’s American Rescue Plan provides an opportunity for our neighbors to receive the financial support they need to recover and prosper. I urge Rhode Islanders who need it to take advantage of this extended enrollment period. “

Currently, over 30,000 Rhode Island individuals and families are enrolled in affordable high-quality, low- or no-cost coverage through HSRI. In 2020, Rhode Island maintained one of the highest insured rates in the country, with 96% of residents covered, at a time when the national uninsured rate was 12.5%.

Since HSRI’s inception, Rhode Islanders have received more than $600 million in federal financial help to lower their monthly coverage costs. HSRI is the only place where Rhode Islanders can apply for financial help. In January 2021 alone, HSRI customers qualified for more than $8 million in financial assistance to help lower their monthly costs. These new changes at the federal level represent an additional $30 million dollars in annual financial help for HSRI customers.

HealthSource RI is here to help – reach out to us:

• Visit HealthSourceRI.com/NEP to learn more about HSRI’s New Enrollment Period (NEP).
• Visit HealthSourceRI.com/ARP to learn more about increased financial assistance opportunities.
• Connect with a live web chat agent on HealthSourceRI.com (available in English and Spanish).
• Call HealthSource RI at 1-855-840-4774.
• Join one of HealthSource RI’s virtual Info Sessions. Visit HealthSourceRI.com/Events to learn more.

About HealthSource RI:

HealthSource RI is the state of Rhode Island’s health insurance marketplace. It’s our mission to help Rhode Islanders easily navigate the complex health insurance landscape and enroll in a plan that works best for their individual and family needs. Since 2013, HealthSource RI has decreased the uninsured rate by more than two thirds. Today, 96% of Rhode Islanders have health coverage, the third lowest uninsured rate in the country.

The post Governor McKee and HealthSource RI Announce New Enrollment Period Extended Through August 15 first appeared on HealthSource RI.

President Biden recently signed the American Rescue Plan Act (ARP) to help Americans during the ongoing COVID-19 pandemic. Included in this relief package is an increase in financial help for customers of health coverage marketplaces like HealthSource RI. These changes will apply to coverage for all of 2021 and 2022.

HSRI will be working to communicate to all customers about how this federal law affects their monthly bills.

The ARP will help HSRI customers in the following ways:

• No customer will pay more than 8.5% of their Adjusted Gross Income (AGI) for the second-lowest-cost silver plan available via HealthSource RI marketplace.
• Many customers will have a lower monthly bill.
• Customers who have been receiving unemployment payments in 2021 may qualify for additional financial help for this year.
• Customers who previously did not qualify for financial help may now be eligible.

HealthSource RI (HSRI) is working to review all customer accounts as quickly as possible so that we can provide much-needed additional financial help to eligible customers. The first changes will be for customers who currently receive financial help or are currently eligible to receive financial help. They should expect to hear from HSRI about updated benefits within the next few weeks. Other affected customers should expect to hear from HSRI in the upcoming months.

The increased assistance will include additional help for the rest of 2021, as well as assistance for months that have already passed in 2021, if applicable.

HealthSource RI is the only place Rhode Islanders can apply for financial help to pay their monthly health coverage costs. Rhode Islanders who need health coverage are encouraged to contact HealthSource RI as soon as possible and get covered during our New Enrollment Period, which began February 15 and goes through May 15, 2021.

HealthSource RI is here to help:

• Use our new FAQ page for changes related to the American Rescue Plan, including examples of how much customers may save
• Use our live web chat (available in English and Spanish)
• Call HealthSource RI at 1-855-840-4774
• Join one of HealthSource RI’s virtual Info Sessions. Visit HealthSourceRI.com/Events to learn more.

The HealthSource RI call center and live web chat are available Monday – Friday, 8am – 6pm.

About HealthSource RI:

HealthSource RI is the state’s health insurance marketplace. It’s our mission to help Rhode Islanders easily navigate the complex health insurance landscape and enroll in a plan that works best for their individual and family needs. Since 2013, HealthSource RI has decreased the uninsured rate by more than two thirds. Today, 96 percent of Rhode Islanders have health coverage, the third lowest uninsured rate in the country. Rhode Island small businesses can purchase health coverage year-round through HealthSource RI for Employers. For more information, employers can talk to their broker or visit HealthSourceRI.com/Employers.

The post New Federal Changes Mean An Increase In Financial Help for Most HealthSource RI Customers; New Customers May Also Enroll Now first appeared on HealthSource RI.

HealthSource RI connects you with health and dental insurance from these companies:

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Here are the ways you can get help from HealthSource RI:

Chat with Us!

If you need help enrolling, or have questions about your coverage, call us at 1-855-840-4774. You can also use our live web chat, available in English and Spanish. Our call center and live web chat are available Monday – Friday 8am – 6pm.

PLEASE NOTE: In observance of the following holidays, our call center and live web chat will be closed:

 

Holiday Observed	Date
New Year’s Day	January 1, 2025
Memorial Day	May 26, 2025
Independence Day	July 4, 2025
Victory Day	August 11, 2025
Labor Day	September 1, 2025
Indigenous People’s Day	October 13, 2025
Thanksgiving Day	November 27, 2025
Christmas	December 25, 2025

 

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Attend a Virtual Info Session

Join us at one of our virtual Enrollment Info Sessions where you will hear from HealthSource RI staff, learn more about how to sign up for 2025 coverage during HealthSource RI’s Open Enrollment Period or Special Enrollment Period, and ask questions. After the Info Session, Navigators are available via phone to provide 1-on-1 enrollment support, regardless of whether you attended an Info Session or not.

 

CLICK HERE to reserve your 1-on-1 Navigator appointment in advance.

 

Your privacy is our top priority. This presentation is held via ZOOM Webinar where attendees will not see each other’s faces, questions, or contact information.

 

 For a full calendar of our events, CLICK HERE.

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In-Person Help at Walk-In Center 

HealthSource RI’s Walk-In Center is located at 401 Wampanoag Trail, East Providence, RI. HealthSource RI encourages you to use our live web chat or call our customer contact center. If you would prefer in-person assistance, our Walk-In Center is open by appointment only.

To schedule an appointment at the HealthSource RI office at 401 Wampanoag Trail in East Providence, click here.

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Compare plans/Get a quick quote

Enroll Now

Enroll Now

News

News

Upcoming Events

Upcoming Events

HealthSource RI connects you with health and dental insurance from these companies:

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This enrollment period is open to all eligible uninsured Rhode Islanders, with no requirement to have a qualifying life event to enroll in health coverage.  Coverage starts the first of the month following a complete enrollment.

“The ongoing COVID-19 pandemic continues to be a painful reality for many Rhode Islanders. HealthSource RI is here to ensure that people have every opportunity to sign up for health coverage,” said Lindsay Lang, Director of HealthSource RI. “Many Rhode Islanders face everyday life without the protection and peace of mind that having high-quality, low- or no-cost coverage can offer. We encourage you to reach out to us now and get covered. We are the only source for financial help, and 80% of current customers receive financial help.”

Rhode Islanders in need of coverage may also contact Healthsource RI today to begin their applications or learn about their coverage options. To contact HealthSource RI:

• Visit HealthSourceRI.com
• Use our live web chat on HealthSourceRI.com, available Monday – Friday 8am – 6pm in English or Spanish
• Call 211 to connect with a Navigator for 1-on-1 enrollment support via phone or Zoom. Navigators speak multiple languages.
• Visit healthSourceri.com/events to learn more about our Virtual Enrollment Info Sessions
• Call HealthSource RI at 1-855-840-4774, available Monday – Friday 8am – 6pm

About HealthSource RI

HealthSource RI is the state’s health insurance marketplace. It’s our mission to help Rhode Islanders easily navigate the complex health insurance landscape and enroll in a plan that works best for their individual and family needs. Since 2013, HealthSource RI has decreased the uninsured rate by more than two thirds. Today, 96% of Rhode Islanders have health coverage, the third lowest uninsured rate in the country. Rhode Island small businesses can purchase health coverage year-round through HealthSource RI for Employers. For more information, employers can talk to their broker or visit HealthSourceRI.com/Employers.

The post HealthSource RI Joins President Biden and Announces New Health Coverage Enrollment Period first appeared on HealthSource RI.

Thank you for visiting our communications toolkit. You’ll be able to find and share resources and materials for different enrollment periods at HealthSource RI below. To request print materials or get more information, please contact info@healthsourceri.com.

Open Enrollment Period (Nov 1 – Jan 31)

This is the time of year when people can sign up for new health or dental coverage, renew their existing plan, or change to a different plan. The materials listed under Open Enrollment Period are for distribution during this time of year. Outside of Open Enrollment, you can use our communications materials for Special Enrollment Period.

Open Enrollment Brochure (English/Spanish)

Open Enrollment Brochure (English/Portuguese)

Savings Tool Palm Card (English/Spanish)

Pick Your Plan Flyer (English)

Pick Your Plan Flyer (Spanish)

Pick Your Plan Flyer (Portuguese)

Special Enrollment Period (Year-Round)

Outside of HealthSource RI’s Open Enrollment Period, individuals can sign up for health coverage through our Special Enrollment Period if they experience a qualifying life event. This includes life changes like getting married, moving to RI, losing coverage through an employer, and more. We encourage you to share our Special Enrollment Period communications materials with individuals who may be experiencing significant life changes and are looking for health coverage outside of Open Enrollment.

Special Enrollment Period Brochure (English/Spanish)

​Special Enrollment Period Brochure (English/Portuguese)

Savings Tool Palm Card (English/Spanish)

Pick Your Plan Flyer (English)

Pick Your Plan Flyer (Spanish)

Pick Your Plan Flyer (Portuguese)

Additional Materials

These materials can be used throughout the year interchangeably, and currently include a brochure where our Navigators are located throughout Rhode Island, alongside some helpful graphics about cost savings.

Spectrum of Coverage Interactive Flier

Sample Social Media Posts

Navigator Brochure (English)

Life Changes Coverage Poster (11×17)

Comic Book

HealthSource RI Activity Book

Navigator Brochure (Spanish)

Employers and Individual Info Flyer (English/Spanish)

Employers and Individual Info Flyer (English/Portuguese)

Virtual Enrollment Info Session

Explore our recorded information sessions available in both English and Spanish, created to help you better understand your health coverage options and the support available through HealthSource RI. These sessions provide clear, helpful guidance on key topics so you can access the information you need, whenever it’s most convenient for you.

We invite you to browse the recordings below and share them with others in your community. Offering content in multiple languages is part of our commitment to making sure everyone can stay informed, connected, and confident when navigating their health coverage. For upcoming info sessions, click here.

English virtual Info Session Recording

Spanish virtual Info Session Recording

Resources:

Navigator search

Compare plans and get a free quote

Book an appointment with the HSRI Contact Center

Community Partner Newsletters

Stay informed and connected with HealthSource RI by exploring our community newsletters, linked below. Each edition features important updates, helpful resources, and upcoming events designed to support you and your family in navigating health coverage.

If you’d like to receive future newsletters directly to your inbox, we invite you to complete our easy sign-up form here. It’s a great way to stay up to date with the latest from HealthSource RI and make the most of the services and support available through our website.

HSRIInsights Community Partner Newsletter Spring 2026

HSRIInsights Community Partner Newsletter Winter 2026

HSRIInsights Community Partner Newsletter Fall 2025

HSRIInsights Community Partner Newsletter Summer 2025

HSRIInsights Community Partner Newsletter Spring 2025

HSRIInsights Community Partner Newsletter Winter 2024

HSRIInsights Community Partner Newsletter Spring 2024

HealthSource RI in the Community

HealthSource RI is looking to partner with community organizations to share information with Rhode Islanders about obtaining health coverage. If your organization or agency is open to the public and you would like printed materials to share with your community members, we can connect with you to provide additional materials. Our team is also open to presenting at your organization or tabling at an event to educate people about all the ways they can obtain health coverage and get connected to resources in the community. To connect with our Outreach team, please email info@healthsourceri.com.

HealthSource RI for Employers

HealthSource RI for Employers is the state’s small-business health insurance marketplace. We service businesses and nonprofits with 2 to 50 employees. Our team works closely with employers and brokers to provide customized solutions and optimal benefit offerings with plans that match employees’ needs and budgets. For more information about our small business offerings, visit https://healthsourceri.com/employers.

HealthSource RI for Employers Brochure

HealthSource RI for Employers Brochure (Spanish)

HealthSource RI connects you with health and dental insurance from these companies:

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EAST PROVIDENCE, RI – HealthSource RI, Rhode Island’s health insurance marketplace, will offer an extended Open Enrollment period from November 1^st, 2020 through January 23^rd, 2021 with the goal of connecting more Rhode Island residents with high-quality, low-cost or no-cost health coverage for 2021. It’s more important than ever that Rhode Islanders get covered so they can access the health care services they need. HealthSource RI is the only place Rhode Islanders can receive financial help to pay for their health coverage. In fact, 8 out of 10 HealthSource RI customers received financial assistance this past year.

With Rhode Islanders’ health and safety in mind, HealthSource RI will be hosting a series of virtual events so that residents can learn about HealthSource RI’s offerings, connect with Navigators or schedule enrollment support, and get answers to their questions about health insurance.  Enrollment support will also be available at locations throughout the state through HealthSource RI’s Navigator network of community organizations. To learn more about events, virtual customer service and enrollment support, visit HealthSourceRI.com/OE2020.

Additionally, HealthSource RI will be offering live web chat services in English and Spanish on www.healthsourceri.com.  Rhode Islanders can ask questions, reset their passwords, and get enrollment support through web chat on your desktop computer or mobile device. HealthSource RI will also continue to offer help over the phone with extended hours during Open Enrollment. The HealthSource RI contact center and live web chat are available Monday – Friday 8am -7pm, and Saturday 9am – 12pm during Open Enrollment.

“This year has been a challenging one for our state, and the health and safety of Rhode Islanders remains our priority. This includes ensuring our residents have access to high quality and affordable or no-cost health coverage. I urge all Rhode Islanders to work with HealthSource RI during this extended Open Enrollment period to make sure they’re covered for 2021. We’re proud to have the third lowest uninsured rate in the country. Let’s keep up the good work.” said Governor Gina Raimondo.

“We know that this year, Rhode Islanders are especially concerned about protecting their health and their finances, and we are here to help.” said HealthSource RI Director Lindsay Lang. “By extending our Open Enrollment period we’re making sure people have enough time to get covered for 2021.  We’re also taking every step we can to make shopping for low- or no-cost health coverage as easy and as safe as possible. Health insurance is required in Rhode Island, but it’s also the best way to ensure you can get the coverage you need when you need it.”

Residents have until December 23^rd to pick and pay for coverage that starts January 1^st. The last possible day to enroll and pay for a 2021 plan is January 23, 2021, for coverage that starts February 1^st. For the most up to date information about HealthSource RI’s Open Enrollment period, and additional customer service information, visit HealthSourceRI.com/OE2020 or call 1-855-840-HSRI (1-855-840-4774).

About HealthSource RI:

HealthSource RI is the state’s health insurance marketplace. It’s our mission to help Rhode Islanders easily navigate the complex health insurance landscape and enroll in a plan that works best for their individual and family needs. Since 2013, HealthSource RI has decreased the uninsured rate by more than two thirds. Today, 96 percent of Rhode Islanders have health coverage, the third lowest uninsured rate in the country. Rhode Island small businesses can purchase health coverage year-round through HealthSource RI for Employers. For more information, employers can talk to their broker or visit HealthSourceRI.com/Employers.

The post HealthSource RI extending Open Enrollment period to help more Rhode Islanders get health coverage for 2021 first appeared on HealthSource RI.

If you have experience this, or any of the other Qualifying Life Events (listed below), you may be eligible to receive health coverage through HealthSource RI. HealthSource RI offers a Special Enrollment period (SEP) during which Rhode Islanders can enroll in health coverage within 60 days of this event. Qualifying life events include:

• Losing employer-sponsored coverage (due to job loss, furlough, layoff, etc.)
• Getting married or divorced
• Having a child or adopting a child
• Moving to Rhode Island
• Turning 26 and transitioning off your parent’s insurance

HealthSource RI is the only place where Rhode Islanders can receive financial assistance to help pay for coverage. In fact, 8 out of 10 customers receive financial assistance and coverage through HSRI may be more affordable than COBRA.

After the Info Session, Navigators will be available to provide 1-on-1 enrollment support. Click here to schedule your appointment.

Health insurance is required in the state of Rhode Island. Stay covered to avoid a tax penalty later.

The post Health Coverage Special Enrollment Period Info Session first appeared on HealthSource RI.

Rhode Islanders who wish to obtain coverage can do so by visiting www.HealthSourceRI.com and enrolling online, or by contacting the HealthSource RI call center Monday-Friday, 8am-6pm at 1-855-840-4774. When completing the online enrollment form, Rhode Islanders should select the “other” SEP event and indicate COVID-19 or coronavirus as the explanation. Once approved, customers will need to choose a plan and pay for their first month of coverage.

In addition to the COVID-19 related SEP, HealthSource RI offers a year-round Special Enrollment Period (SEP) for Rhode Islanders who experience qualifying life changes, such as losing employer-sponsored health coverage, getting married, turning 26 and transitioning off a parent’s insurance, having a baby, or moving to RI. These Special Enrollment Periods are available for a sixty-day period after the qualifying life event has taken place. For Rhode Islanders who are experiencing a change in employment status and a loss of coverage, plans through HealthSource RI may be more affordable than COBRA coverage or other options because financial assistance is available. Rhode Islanders can enroll before their employer coverage ends to avoid a gap in coverage.

“HealthSource RI is here to help Rhode Islanders enroll in high quality, affordable health coverage, and we want everyone to know that if they are without coverage, now is the time get it,” said HealthSource RI Director Lindsay Lang.  “If you are not currently covered, you have two more weeks to enroll through the COVID-19 Special Enrollment Period. If you are losing the health coverage you have through your job, please call us. We can help you get covered and many people are eligible for help that brings down the cost of coverage. It is now more important than ever to sign up and stay covered.”

Media Contact
Robin Dionne
Chief Public Affairs Officer, HealthSource RI
401-338-1128
Robin.Dionne@exchange.ri.gov

About HealthSource RI:
HealthSource RI was created because buying health insurance is complicated. It’s HealthSource RI’s job to help Rhode Islanders cut through the confusion and choose the best, most affordable health insurance plan possible. Since 2013, HealthSource RI has decreased the uninsured rate by more than two thirds, and today, more than 96 percent of Rhode Islanders have health coverage. Starting January 1, 2020, health insurance is now required in Rhode Island. Rhode Islanders need to have continuous health coverage in 2020 to avoid paying a penalty at tax time. For more information, visit HealthSourceRI.com, follow us on Twitter @HealthSourceRI, and like us on Facebook at fb.com/HealthSourceRI.

The post Health Coverage Special Enrollment Period (SEP) Extended through April 30, 2020 first appeared on HealthSource RI.

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The annual period when anyone can enroll in or change their health coverage for the upcoming year.

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If you experience certain life events, you may quality for Special Enrollment.

A few examples include:

• Loss of coverage
• Marriage or divorce
• Moving to Rhode Island

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What is HealthSource RI?

HealthSource RI was created because buying health coverage is complicated. It’s our job to cut through the confusion and connect Rhode Islanders with affordable, high quality coverage. We are the state’s official marketplace for health insurance. That means we’re your only source for getting tax credits to lower the cost of your health coverage. If you don’t get affordable health insurance through a job or a family member, you can count on us to connect you with coverage that meets your needs and your budget. We also offer flexible health insurance options for small businesses.

Since we opened our doors in 2013, we’ve been a trusted resource for Rhode Islanders to get covered and stay covered.

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The post Home first appeared on HealthSource RI.

EAST PROVIDENCE, R.I. (March 20, 2020) — HealthSource RI offers a Special Enrollment Period (SEP) for Rhode Islanders experiencing life changes, such as getting married, having a baby, moving to RI, or losing/changing jobs.

We want to remind Rhode Islanders that loss of health coverage is a qualifying event which allows enrollment through HealthSource RI. For Rhode Islanders who are also experiencing a change in income, plans through HealthSource RI may be more affordable than COBRA coverage or other options because financial assistance is available. Individuals making less than $49,960 annually and a family of 4 making less than $103,000 annually are eligible to receive financial assistance.

Rhode Islanders can enroll before their employer coverage ends to avoid a gap in coverage. Coverage can begin as soon as the 1st of the month after employer coverage ends. Rhode Islanders who wish to obtain coverage can do so by visiting www.HealthSourceRI.com and enrolling online, or by contacting the HealthSource RI call center Monday-Friday, 8am-6pm at 1-855-840-4774.

Please note: Rhode Islanders making less than $1,467/month as an individual or less than $3,079/month as a family of four may qualify for low-cost coverage or free coverage through Medicaid.  Those who are eligible for Medicaid may enroll at any time throughout the year.

“Ensuring that Rhode Islanders have access to health coverage is HealthSource RI’s mission. As Rhode Islanders experience changes to their employment or income levels, we want them to know we are here to help,” said HealthSource RI Director Lindsay Lang. “We are fortunate that under the leadership of Governor Raimondo our state has one of the lowest rates of uninsured in the country, but as we navigate the challenges of the COVID-19 pandemic, we want to be sure that our friends and neighbors continue to have access to health insurance. We are hoping to spread the word about special enrollment periods that Rhode Islanders may qualify for.” Click below for our fact sheet.

In addition to the SEP for loss of health coverage, HealthSource RI has adopted a limited-time (SEP), following Governor Raimondo’s State of Emergency declaration in response to the potential growth of Coronavirus (COVID-19). This limited-time SEP will allow uninsured Rhode Islanders to purchase coverage through April 15, 2020.

Media Contact
Robin Dionne – Chief Public Affairs Officer
Email: Robin.Dionne@exchange.ri.gov
Phone: 401-474-7633

About HealthSource RI:
HealthSource RI was created because buying health insurance is complicated. It’s HealthSource RI’s job to help Rhode Islanders cut through the confusion and choose the best, most affordable health insurance plan possible. Since 2013, HealthSource RI has decreased the uninsured rate by more than two thirds, and today, more than 96 percent of Rhode Islanders have health coverage. Starting January 1, 2020, health insurance is now required in Rhode Island. Rhode Islanders need to have continuous health coverage in 2020 to avoid paying a penalty at tax time. For more information, visit HealthSourceRI.com, follow us on Twitter, and like us on Facebook.

The post Special Enrollment Period (SEP) available to Rhode Islanders losing employer-sponsored health coverage first appeared on HealthSource RI.

Special Enrollment Period (SEP) Available to Purchase Coverage through HealthSource RI as a Part of the State’s Response to COVID-19.

Special Enrollment Period will be available through April 15, 2020

EAST PROVIDENCE, R.I. (March 14, 2020) — HealthSource RI has adopted a limited-time Special Enrollment Period (SEP), following Governor Raimondo’s State of Emergency declaration in response to the potential growth of Coronavirus (COVID-19). This SEP will allow uninsured Rhode Islanders to purchase coverage through April 15, 2020. Coverage will begin on the first of the month following the application.

Rhode Islanders who wish to obtain coverage can do so by visiting www.HealthSourceRI.com and enrolling online, or by contacting the HealthSource RI call center Monday-Friday, 8am-6pm at 1-855-840-4774.  When completing the online enrollment form, Rhode Islanders should select the “Other” SEP event and indicate COVID-19 or coronavirus as the explanation. Once approved, customers will need to choose a plan and pay for their first month of coverage to complete the process.

“Ensuring Rhode Islanders have access to health coverage is critical to our mission and is especially important during this time,” said HealthSource RI Director Lindsay Lang. “Due to these unexpected and exceptional circumstances, and under the leadership of Governor Raimondo’s administration, HealthSource RI was able to work with the health insurance carriers offering plans through the exchange to develop a plan to make this special enrollment period available for residents who may be in need of health coverage.”

Media Contact
Robin Dionne – Chief Public Affairs Officer
Email: robin.dionne@exchange.ri.gov
Phone: 401-474-7633

About HealthSource RI:

HealthSource RI was created because buying health insurance is complicated. It’s HealthSource RI’s job to help Rhode Islanders cut through the confusion and choose the best, most affordable health insurance plan possible. Since 2013, HealthSource RI has decreased the uninsured rate by more than two thirds, and today, more than 96 percent of Rhode Islanders have health coverage. Starting January 1, 2020, health insurance is now required in Rhode Island. Rhode Islanders need to have continuous health coverage in 2020 to avoid paying a penalty at tax time. For more information, visit HealthSourceRI.com, follow us on Twitter, and like us on Facebook.

The post COVID-19 Special Enrollment Period (SEP) Now Available first appeared on HealthSource RI.

If you think any of the below scenarios apply to you, join us at the Westerly Public Library to get help signing up for 2020 health coverage. The open enrollment period for individuals and families has ended, but you may still qualify for a Special Enrollment Period if:

• You’ve lost your health insurance from an employer: You left a job where you were provided health insurance, or were let go from a job where you received health insurance.
• Your employer changes the coverage available to you: Your employer discontinued your health insurance or changed the coverage offered and you’re allowed to terminate that plan.
• Your household size has changed: You’ve gotten married, divorced or added a new child to your family (birth, adoption foster care placement).
• You’re new to Rhode Island: You’ve just moved from out of state and don’t have access to insurance through an employer.
• Your immigration status has changed: You are now a U.S. citizen or lawfully present in the U.S.
• You’re too old to be covered by your parents: You’ve been covered on your parents’ policy, but have recently turned 26.
• You’re no longer covered by another government health insurance plan: You were covered by RIte Care/Medicaid or veterans/military coverage but you are losing that coverage.

Please note: In most cases, you have 60 days from the event to change or update your coverage.

To enroll or renew please bring for all members of your family:

• Last 4 weeks of pay stubs
• Social Security numbers
• Immigration documents
• Most recent tax return

Primary applicants should have:

• Photo ID (driver’s license or passport)
• Your HealthSource RI username and password if you’ve already created an account
• Any recent HealthSource RI or Medicaid notices that you have received

Health insurance is now required in RI. Sign up now to avoid the penalty at tax time.

The post Westerly Enrollment Event first appeared on HealthSource RI.

If you think any of the below scenarios apply to you, join us at the Cumberland Public Library to get help signing up for 2020 health coverage. The open enrollment period for individuals and families has ended, but you may still qualify for a Special Enrollment Period if:

• You’ve lost your health insurance from an employer: You left a job where you were provided health insurance, or were let go from a job where you received health insurance.
• Your employer changes the coverage available to you: Your employer discontinued your health insurance or changed the coverage offered and you’re allowed to terminate that plan.
• Your household size has changed: You’ve gotten married, divorced or added a new child to your family (birth, adoption foster care placement).
• You’re new to Rhode Island: You’ve just moved from out of state and don’t have access to insurance through an employer.
• Your immigration status has changed: You are now a U.S. citizen or lawfully present in the U.S.
• You’re too old to be covered by your parents: You’ve been covered on your parents’ policy, but have recently turned 26.
• You’re no longer covered by another government health insurance plan: You were covered by RIte Care/Medicaid or veterans/military coverage but you are losing that coverage.

Please note: In most cases, you have 60 days from the event to change or update your coverage.

To enroll or renew please bring for all members of your family:

• Last 4 weeks of pay stubs
• Social Security numbers
• Immigration documents
• Most recent tax return

Primary applicants should have:

• Photo ID (driver’s license or passport)
• Your HealthSource RI username and password if you’ve already created an account
• Any recent HealthSource RI or Medicaid notices that you have received

Health insurance is now required in RI. Sign up now to avoid the penalty at tax time.

The post Cumberland Enrollment Event first appeared on HealthSource RI.

If you think any of the below scenarios apply to you, join us at the Portsmouth Library to get help signing up for 2020 health coverage. The open enrollment period for individuals and families has ended, but you may still qualify for a Special Enrollment Period if:

• You’ve lost your health insurance from an employer: You left a job where you were provided health insurance, or were let go from a job where you received health insurance.
• Your employer changes the coverage available to you: Your employer discontinued your health insurance or changed the coverage offered and you’re allowed to terminate that plan.
• Your household size has changed: You’ve gotten married, divorced or added a new child to your family (birth, adoption foster care placement).
• You’re new to Rhode Island: You’ve just moved from out of state and don’t have access to insurance through an employer.
• Your immigration status has changed: You are now a U.S. citizen or lawfully present in the U.S.
• You’re too old to be covered by your parents: You’ve been covered on your parents’ policy, but have recently turned 26.
• You’re no longer covered by another government health insurance plan: You were covered by RIte Care/Medicaid or veterans/military coverage but you are losing that coverage.

Please note: In most cases, you have 60 days from the event to change or update your coverage.

To enroll or renew please bring for all members of your family:

• Last 4 weeks of pay stubs
• Social Security numbers
• Immigration documents
• Most recent tax return

Primary applicants should have:

• Photo ID (driver’s license or passport)
• Your HealthSource RI username and password if you’ve already created an account
• Any recent HealthSource RI or Medicaid notices that you have received

Health insurance is now required in RI. Sign up now to avoid the penalty at tax time.

The post Portsmouth Enrollment Event first appeared on HealthSource RI.

If you think any of the below scenarios apply to you, join us at the North Kingstown Library to get help signing up for 2020 health coverage. The open enrollment period for individuals and families has ended, but you may still qualify for a Special Enrollment Period if:

• You’ve lost your health insurance from an employer: You left a job where you were provided health insurance, or were let go from a job where you received health insurance.
• Your employer changes the coverage available to you: Your employer discontinued your health insurance or changed the coverage offered and you’re allowed to terminate that plan.
• Your household size has changed: You’ve gotten married, divorced or added a new child to your family (birth, adoption foster care placement).
• You’re new to Rhode Island: You’ve just moved from out of state and don’t have access to insurance through an employer.
• Your immigration status has changed: You are now a U.S. citizen or lawfully present in the U.S.
• You’re too old to be covered by your parents: You’ve been covered on your parents’ policy, but have recently turned 26.
• You’re no longer covered by another government health insurance plan: You were covered by RIte Care/Medicaid or veterans/military coverage but you are losing that coverage.

Please note: In most cases, you have 60 days from the event to change or update your coverage.

To enroll or renew please bring for all members of your family:

• Last 4 weeks of pay stubs
• Social Security numbers
• Immigration documents
• Most recent tax return

Primary applicants should have:

• Photo ID (driver’s license or passport)
• Your HealthSource RI username and password if you’ve already created an account
• Any recent HealthSource RI or Medicaid notices that you have received

Health insurance is now required in RI. Sign up now to avoid the penalty at tax time.

The post North Kingstown Enrollment Event first appeared on HealthSource RI.

If you think any of the below scenarios apply to you, join us at the Warwick Public Library to get help signing up for 2020 health coverage. The open enrollment period for individuals and families has ended, but you may still qualify for a Special Enrollment Period if:

• You’ve lost your health insurance from an employer: You left a job where you were provided health insurance, or were let go from a job where you received health insurance.
• Your employer changes the coverage available to you: Your employer discontinued your health insurance or changed the coverage offered and you’re allowed to terminate that plan.
• Your household size has changed: You’ve gotten married, divorced or added a new child to your family (birth, adoption foster care placement).
• You’re new to Rhode Island: You’ve just moved from out of state and don’t have access to insurance through an employer.
• Your immigration status has changed: You are now a U.S. citizen or lawfully present in the U.S.
• You’re too old to be covered by your parents: You’ve been covered on your parents’ policy, but have recently turned 26.
• You’re no longer covered by another government health insurance plan: You were covered by RIte Care/Medicaid or veterans/military coverage but you are losing that coverage.

Please note: In most cases, you have 60 days from the event to change or update your coverage.

To enroll or renew please bring for all members of your family:

• Last 4 weeks of pay stubs
• Social Security numbers
• Immigration documents
• Most recent tax return

Primary applicants should have:

• Photo ID (driver’s license or passport)
• Your HealthSource RI username and password if you’ve already created an account
• Any recent HealthSource RI or Medicaid notices that you have received

Health insurance is now required in RI. Sign up now to avoid the penalty at tax time.

The post Warwick Enrollment Event first appeared on HealthSource RI.

HealthSource RI connects you with health and dental insurance from these companies:

The post Federal Regulations and Guidance Relating to Certain Exemptions first appeared on HealthSource RI.

If you think any of the below scenarios apply to you, join us at the Greenville Public Library to get help signing up for 2020 health coverage. The open enrollment period for individuals and families has ended, but you may still qualify for a Special Enrollment Period if:

• You’ve lost your health insurance from an employer: You left a job where you were provided health insurance, or were let go from a job where you received health insurance.
• Your employer changes the coverage available to you: Your employer discontinued your health insurance or changed the coverage offered and you’re allowed to terminate that plan.
• Your household size has changed: You’ve gotten married, divorced or added a new child to your family (birth, adoption foster care placement).
• You’re new to Rhode Island: You’ve just moved from out of state and don’t have access to insurance through an employer.
• Your immigration status has changed: You are now a U.S. citizen or lawfully present in the U.S.
• You’re too old to be covered by your parents: You’ve been covered on your parents’ policy, but have recently turned 26.
• You’re no longer covered by another government health insurance plan: You were covered by RIte Care/Medicaid or veterans/military coverage but you are losing that coverage.

Please note: In most cases, you have 60 days from the event to change or update your coverage.

To enroll or renew please bring for all members of your family:

• Last 4 weeks of pay stubs
• Social Security numbers
• Immigration documents
• Most recent tax return

Primary applicants should have:

• Photo ID (driver’s license or passport)
• Your HealthSource RI username and password if you’ve already created an account
• Any recent HealthSource RI or Medicaid notices that you have received

Health insurance is now required in RI. Sign up now to avoid the penalty at tax time.

The post Greenville Enrollment Event first appeared on HealthSource RI.

If you think any of the below scenarios apply to you, join us at the Blackstone Valley Community Health Center to get help signing up for 2020 health coverage. The open enrollment period for individuals and families has ended, but you may still qualify for a Special Enrollment Period if:

• You’ve lost your health insurance from an employer: You left a job where you were provided health insurance, or were let go from a job where you received health insurance.
• Your employer changes the coverage available to you: Your employer discontinued your health insurance or changed the coverage offered and you’re allowed to terminate that plan.
• Your household size has changed: You’ve gotten married, divorced or added a new child to your family (birth, adoption foster care placement).
• You’re new to Rhode Island: You’ve just moved from out of state and don’t have access to insurance through an employer.
• Your immigration status has changed: You are now a U.S. citizen or lawfully present in the U.S.
• You’re too old to be covered by your parents: You’ve been covered on your parents’ policy, but have recently turned 26.
• You’re no longer covered by another government health insurance plan: You were covered by RIte Care/Medicaid or veterans/military coverage but you are losing that coverage.

Please note: In most cases, you have 60 days from the event to change or update your coverage.

To enroll or renew please bring for all members of your family:

• Last 4 weeks of pay stubs
• Social Security numbers
• Immigration documents
• Most recent tax return

Primary applicants should have:

• Photo ID (driver’s license or passport)
• Your HealthSource RI username and password if you’ve already created an account
• Any recent HealthSource RI or Medicaid notices that you have received

Health insurance is now required in RI. Sign up now to avoid the penalty at tax time.

The post Central Falls Enrollment Event first appeared on HealthSource RI.

EAST PROVIDENCE, RI (October 31, 2019) HealthSource RI, the state health insurance exchange, helps connect Rhode Islanders to a wide range of high quality, affordable health coverage options. Residents are encouraged to select and pay for a plan through HealthSource RI by December 23^rd for coverage beginning January 1, 2020.  The last possible day to enroll and pay for a plan is December 31^st, but customers may experience a delay in receiving ID cards if they enroll after December 23^rd.

“HealthSource RI helps keep health care costs low while ensuring that Rhode Islanders have access to high-quality care,” said Governor Raimondo. “I urge Rhode Islanders to take time to explore HealthSource RI’s many coverage options this open enrollment.”

HealthSource RI offers unbiased support, helping Rhode Islanders choose from a variety of plans and determine if they qualify for financial help paying for their monthly premiums. HealthSource RI is here to help residents get covered so they can avoid paying a penalty at tax time next year, as health coverage is a requirement in the state of Rhode Island beginning January 1, 2020.

New features have been introduced to help Rhode Islanders with enrollment and plan selection at HealthSource RI this year, including a prescription drug coverage comparison tool that will allow customers to review all available plans to determine if their medication is covered and what the cost is. Additionally, visitors to the HSRI website can connect with customer service through a new live web chat tool. These features complement the existing Plan Comparison & Savings Tool, which helps customers estimate their premium and out-of-pocket costs and determine whether their doctor participates in HealthSource RI plans.

“We’re proud to connect Rhode Islanders with high quality health insurance,” said HealthSource RI Acting Director Lindsay Lang. “We have a range of options to fit everyone’s needs, and our Walk-in center now has extended hours to better serve our customers during Open Enrollment. Now that the individual mandate is here, it is more important than ever for Rhode Islanders to have access to affordable coverage.”

Rhode Islanders can sign up for coverage online at HealthSourceRI.com, over the phone at 1-855-840-HSRI, in person at the HealthSource RI Walk-In Center at 401 Wampanoag Trail, East Providence or in their community (call 211 to find help nearby).

Customers can save time by scheduling an appointment at HealthSource RI’s Walk-In Center by visiting HealthSourceRI.com or by calling 1-844-602-3468.

HealthSource RI is also holding Enrollment Fairs on Tuesday, November 12 and Thursday, December 12 at Rhode Island Shriners’ Imperial Room at One Rhodes Place in Cranston. There are also other enrollment events in communities across Rhode Island. The full schedule is available on HealthSourceRI.com/events.

Small businesses can purchase health coverage year-round through HealthSource RI for Employers. HealthSource RI’s small business program is among the top in the nation, serving over 800 small employers or ten percent of the small group market. For more information, visit HealthSourceRI.com/Employers.

The post Need health insurance in 2020? Now’s the time to pick or renew your plan first appeared on HealthSource RI.

Health insurance is a requirement in the state of Rhode Island.
If you go without continuous health coverage, you might pay a penalty when you file your Rhode Island income taxes. See below for more information about the health insurance mandate and how it might affect you.

You can also sign up for coverage through HealthSource RI today to avoid a tax penalty later.

Hardship Exemption

Hardship exemptions are available by applying through HealthSource RI. The application is available in English and Spanish. More information is available below.

Additional exemptions (non-hardship) are available through the Rhode Island Personal Income Tax return. If you are looking for more information about additional exemptions from the penalty fee, please see the exemptions section below.

What is the individual mandate?

What is the “mandate”?

The mandate is a requirement that all non-exempt Rhode Islanders have qualifying health coverage. Sources of qualifying health coverage include coverage through their employer or purchased directly from a health insurance carrier, Medicare, Medicaid, or a health plan purchased through HealthSource RI, the state’s health exchange. Failure to have coverage may result in a state personal income tax-time penalty.

Who does this apply to?

All Rhode Islanders are required to have qualifying health coverage, unless they are otherwise exempt (see Exemptions Section).

When does the mandate take effect?

Rhode Island’s mandate went into effect on January 1, 2020.

Where did the mandate come from?

The Affordable Care Act, approved by Congress and signed into law by then-President Barack Obama in March 2010, required most Americans to have health care coverage or pay a penalty per family member on their federal income tax return. Exemptions to that requirement were available for certain people who qualified.

Through the federal Tax Cuts and Jobs Act, the federal penalty for not having health coverage after January 1, 2019 was reduced to $0. The penalty was still in effect for the entire year in 2018.

Legislation passed by the General Assembly and signed by Governor Gina M. Raimondo on July 5, 2019, enacts the requirement and penalty here in Rhode Island.  This law requires all non-exempt members of your household to have health coverage starting in January 2020.
If you do not have coverage and do not qualify for an exemption, you will be assessed a penalty when filing personal income taxes for the state of Rhode Island.

Why is Rhode Island establishing this mandate?

In 2024, over 97% of Rhode Islanders have health coverage. The reduction of the federal mandate penalty to $0 led Rhode Island to enact a state level mandate. This is an important tool in keeping Rhode Islanders covered and maintaining their access to affordable health care for when they need it.

Does the Rhode Island mandate apply to residents of other states?

No. No penalty will be imposed on any individual for any month during which the individual is a legal resident of another state. The penalty will apply only to Rhode Island residents – and to part-year Rhode Island residents for the period during which they were Rhode Island residents.

Exemptions

Are there any exceptions to the mandate to have health coverage?

Generally, a penalty will be assessed when individuals go without coverage. There are some exceptions to this rule, however, and they are called exemptions. See below for more detail about exemptions available.

What exemptions are available and where do I apply for an exemption?

Exemptions can be claimed in one of two ways, depending on the exemption type. It is important to know that some exemptions are claimed through a Rhode Island personal income tax filing, and others are requested through an application submitted to HealthSource RI (please refer to the table below).

Exemptions granted by the RI Division of Taxation will be claimed through personal income tax Form RI-1040 for RI residents and Form RI-1040NR for part-year RI residents. There is no separate application process. The following exemptions will be available:

Exemption	Description	How to Claim or Apply for Exemption
Hardship	You experienced a hardship that prevented you from obtaining coverage under a qualified health plan. See below for more information.	Apply through HealthSource RI
Members of certain religious sects	You are a member of a recognized religious sect.	Apply through HealthSource RI
Coverage considered unaffordable based on projected income	HealthSource RI determined that you didn’t have access to coverage that is considered affordable based on your projected household income.	Apply through HealthSource RI
Certain Medicaid programs that are not minimum essential coverage	You were (1) enrolled in Medicaid coverage provided to a pregnant woman that isn’t recognized as minimum essential coverage; (2) enrolled in Medicaid coverage provided to a medically needy individual that isn’t recognized as minimum essential coverage; or (3) enrolled in Medicaid coverage provided to a medically needy individual and were without coverage for other months because the spend-down had not been met.	Apply through HealthSource RI
Part-year Rhode Island Resident	You were a bona fide resident of another state for part of the year and are exempt for months in which you were not a Rhode Island resident.	Claimed on RI Personal Income Tax Return
Members of a health care sharing ministry	You were a member of a health care sharing ministry.	Claimed on RI Personal Income Tax Return
Members of Indian tribes	You were either a member of a federally recognized Indian tribe, including an Alaska Native Claims Settlement Act (ANCSA) Corporation Shareholder (regional or village), or you were otherwise eligible for services through an Indian health care provider or the Indian Health Service.	Claimed on RI Personal Income Tax Return
Incarceration	You were in a jail, prison, or similar penal institution or correctional facility after the disposition of charges.	Claimed on RI Personal Income Tax Return
Aggregate self-only coverage considered unaffordable	Two or more family members’ aggregate cost of self-only employer-sponsored coverage was more than 9.02% of household income for 2025[1], as was the cost of any available employer-sponsored coverage for the entire family.	Claimed on RI Personal Income Tax Return

Member of tax household born or adopted during the year	The months before and including the month that an individual was added to your tax household by birth or adoption. You should claim this exemption only if you also are claiming another exemption on your Rhode Island Personal Income Tax return.	Claimed on RI Personal Income Tax Return
Member of tax household died during the year	The months after the month that a member of your tax household died during the year. You should claim this exemption only if you also are claiming another exemption on your Rhode Island Personal Income Tax return.	Claimed on RI Personal Income Tax Return
Citizens living abroad and certain noncitizens	You were: • A U.S. citizen or a resident alien who was physically present in a foreign country or countries for at least 330 full days during any period of 12 consecutive months; • A U.S. citizen who was a bona fide resident of a foreign country or countries for an uninterrupted period that includes the entire tax year; • A bona fide resident of a U.S. territory; • A resident alien who was a citizen or national of a foreign country with which the U.S. has an income tax treaty with a nondiscrimination clause, and you were a bona fide resident of a foreign country for an uninterrupted period that includes the entire tax year; • Not lawfully present in the U.S. and not a U.S. citizen or U.S. national. For this purpose, an immigrant with Deferred Action for Childhood Arrivals (DACA) status is not considered lawfully present and therefore qualifies for this exemption. For more information about who is treated as lawfully present in the U.S. for purposes of this coverage exemption, visit HealthCare.gov; or • A nonresident alien, including (1) a dual-status alien in the first year of U.S. residency and (2) a nonresident alien or dual-status alien who elects to file a joint return with a U.S. spouse. This exemption doesn’t apply if you are a nonresident alien for the tax year, but met certain presence requirements and elected to be treated as a resident alien. For more information, see Pub. 519.	Claimed on RI Personal Income Tax Return “Code C”

[1] Indexed annually by Federal regulation.

How do I apply for an exemption through HealthSource RI?

The exemption application through HealthSource RI is available here​. Please review and complete the application, if needed. Application submission instructions are found at the end of the application. If you have questions, call HealthSource RI at 855-840-4774.

Please refer to the table below for more information about exemptions processed by HealthSource RI.

Exemption Reason	Documentation Required	Application Timing
You’re a member of a recognized religious sect with religious objections to insurance, including Social Security and Medicare	The name and address of the religious sect. If available, a copy of an approved IRS Form 4029 (“Application for Exemption from Social Security and Medicare Taxes and Waiver of Benefits”).	You may apply at any time.
You have experienced a “hardship” that affects your ability to purchase health insurance coverage (see list of Hardship reasons)	See hardship reasons and documentation in table on the exemption application.	You may apply before, during or after the hardship, depending on the circumstances. Applications must be made during the calendar year in which the hardship occurred.
The lowest-priced coverage available to you would cost more than 8.05% of projected household income for 2026[2]	Application eligibility results or information about any job-related health insurance available to family (including lowest price plan available through employer.)	You must apply for this exemption by the last day on which you can sign up for available coverage for that plan year. This day would either be the last day of Open Enrollment for that plan year or the last day of a special enrollment period, if you qualify. You can only be exempt for the months after you apply. Note: A similar affordability exemption can be claimed retroactively on your tax return.

[2] Indexed annually by Federal regulation.

What is considered a “hardship”?

You can receive a hardship exemption through HSRI for yourself or another member of your tax household for the applicable tax year if you experienced a hardship that prevented you from obtaining minimum essential coverage. Hardship exemptions usually cover the month before the hardship, the months during which the hardship is experienced, and the month after the hardship has occurred.

Please refer to the chart in the exemption application for examples of hardship exemptions. For these exemptions, you will need to include documents that support your application. If you can’t obtain the documents, call HealthSource RI at 1-855-840-4774.

What is considered “affordable” health coverage?

A job-based health plan covering only the employee that costs 9.86% or less of the employee’s household income is considered “affordable.”

• For the employee, affordability is based on only the premium you’d pay for self-only (individual) coverage.
• For other members of the household (not the employee), affordability is based on the premium amount to cover everyone in the household.
• The employee’s total household income is used. Total household income includes income from everybody in the household who’s required to file a tax return.

If a job-based plan is “affordable,” and meets the “minimum value” standard, you’re not eligible for premium tax credits through HealthSource RI.  More information is available here.

What if HealthSource RI denies my request for an exemption?

If HealthSource RI denies your request for an exemption, you will receive a denial notice and may file an appeal. Appeals must be filed within 30 days of the denial notice.  Please review the denial notice for instructions on how to file an appeal.

Health Coverage

What is a "qualified health plan"?

An insurance plan that’s certified by HealthSource RI, provides essential health benefits, follows established limits on cost-sharing (like deductibles, copayments, and out-of-pocket maximum amounts), and meets other requirements under the Affordable Care Act. All qualified health plans meet the Affordable Care Act requirement for having health coverage, known as “minimum essential coverage.”

What is Minimum Essential Coverage?

The law requires all non-exempt Rhode Islanders to have minimum essential coverage. Any of the following types of coverage count as minimum essential coverage:
• An employer-sponsored health coverage plan (including self-insured plans, COBRA coverage and retiree coverage);
• A health plan offered in the individual market, including a qualified health plan offered by HealthSource RI, the state’s health insurance exchange; health coverage offered by certain student health plans; and catastrophic coverage;
• The federal Medicare health coverage program, including coverage under Medicare Part A and coverage under Medicare Advantage plans;
• The state Medicaid program;
• The government’s Children’s Health Coverage Program (CHIP);
• The TRICARE program (which generally applies to the military);
• Certain types of veterans’ health coverage administered by the U.S. Department of Veterans Affairs (sometimes called the Veterans Administration, or VA);
• Health plans related to Peace Corps volunteers;
• Coverage under the Department of Defense Non-appropriated Fund Health Benefit Program;
• Refugee Medical Assistance supported by the Administration for Children and Families;
• Coverage under an expatriate health plan;
• Self-funded health coverage offered to students by universities (if the sponsor of the program has applied to the U.S. Department of Health and Human Services to be recognized as minimum essential coverage);
• Other coverage recognized by the U.S. Secretary of Health and Human Services as minimum essential coverage.

Are there any types of health-related coverage that do not count for the purposes of Rhode Island’s new mandate?

The following types of coverage are not considered minimum essential coverage:
• Limited-scope dental benefits;
• Limited-scope vision benefits;
• Benefits for long-term care, nursing home care, home health care, community-based care, or any combination of these;
• Coverage only for a specific disease or illness;
• Hospital indemnity or other fixed indemnity coverage;
• Medicare supplemental health coverage;
• Any other similar benefits that are limited in scope.
You or members of your household may incur a penalty if they do not have “minimum essential coverage”, even if you have coverage under one or more, or any combination, of the following:
• Coverage only for accident, or disability income coverage, or any combination of those;
• Coverage issued as a supplement to liability coverage;
• Liability coverage, including general liability coverage and automobile liability coverage;
• Workers’ compensation or similar coverage;
• Automobile medical payment coverage;
• Credit-only coverage;
• Coverage for on-site medical clinics; and
• Other similar coverage under which benefits for medical care are secondary or incidental to other coverage benefits.

Are most Rhode Islanders already covered?

Yes, most Rhode Islanders have health coverage already. By maintaining health coverage throughout the year, members of your household can avoid the penalty.

How will I show that I have health coverage to avoid a penalty?

Most taxpayers have qualifying health coverage for all 12 months in the year. Therefore, they will simply check a box on the Rhode Island return, indicating that they had coverage for the previous calendar year, just as they checked a box on the federal return in prior years.  Proof of insurance documents (such as Form 1095) should be retained and kept with your tax records for future reference. These documents may need to be supplied upon request.

For more information about coverage for part of the year, please see the questions about the tax penalty below.

What is HealthSource RI? Can HealthSource RI help me get health coverage and avoid the penalty?

HealthSource RI is Rhode Island’s health insurance marketplace. HealthSource RI helps individuals, families, and small businesses shop for and enroll in affordable health coverage. It was created under the federal Affordable Care Act (sometimes referred to as Obamacare) enacted in 2010.

Qualifying for coverage through HealthSource RI depends on your expected income, household size, access to health coverage through an employer, and other information. Some Rhode Islanders and their families may also qualify for federal financial assistance to help purchase coverage.

If you purchase health coverage through HealthSource RI:
• It will count for purposes of Rhode Island’s mandate and will exempt you from Rhode Island’s tax penalty.
• You may be eligible for a federal tax credit – which will reduce the cost of your premium.
• You can also find out if you qualify for coverage at no cost to you through the Medicaid program.
HealthSource RI can assist you in determining if you and your family qualify for low or no cost health coverage or federal financial assistance to help make your health coverage more affordable.

If you would like to know more, contact HealthSource RI using our live web chat or by phone at 1-855-840-4774.

Please remember, all health coverage that qualifies as minimum essential coverage satisfies the mandate.

Tax Penalty

When will I get penalized if I don’t have health coverage?

If you (or your dependents) do not have health coverage during a calendar year, a penalty will be assessed through the Rhode Island personal income tax return that you file for that specific year.

How much is the penalty?

The fee is calculated either as 2.5% of your yearly household income or per person ($695 per person and an additional $347.50 per child under age 18), whichever amount is higher.

• Using the percentage method, only the part of your household income that’s above the yearly tax filing requirement (as defined below) is counted.
• Using the per person method, you pay only for people in your household who don’t have insurance coverage.

If the income percentage method is higher, the maximum penalty can be no more than the cost of the total annual premium for an average bronze plan sold through HealthSource RI.

What if I (or someone in my family) only had coverage for part of the year?

If you have coverage for part of the year, the fee is 1/12 of the annual amount for each month you (or your tax dependents) don’t have coverage. One short gap in coverage does not count against you.  If you’re uninsured only 1 or 2 consecutive months, you don’t have to pay the fee at all.

What happens if I do not file taxes, but my income exceeds the tax filing threshold?

What happens if I do not file taxes, but my income exceeds the tax filing threshold?

If you fail to file a Rhode Island personal income tax return and you have a balance due, you will be subject to a late-filing penalty, late-payment penalty, and interest that currently accrues at a rate of 18%. The Division of Taxation will issue a bill.

If I am assessed a penalty, can I enroll in coverage through HealthSource RI?

If a person is eligible to enroll through HSRI and is assessed a penalty, that person will be eligible for a special enrollment period (SEP) under R.I. Gen. Laws § 42-157-12. The tax filer will have sixty (60) days from the date he or she is assessed a penalty to complete enrollment in a health plan through HealthSource RI for the current year. Click here for more information.

What happens if the federal mandate penalty is reinstated?

If the federal mandate is again enforced through a comparable penalty, Rhode Island’s mandate penalty will no longer be assessed, under R.I. Gen. Laws § 44-30-101(j).

What happens if my family income falls below the tax filing threshold?

What happens if my family income falls below the tax filing threshold?

If your household income is lower than the tax filing threshold, your household is not required to pay a penalty for not having health coverage. When this is applicable, filers should claim code NC on the IND-HEALTH for the months in which they did not have insurance to avoid being assessed a penalty for those months. The tax filing threshold is the standard deduction for your filing status plus $5,100* per exemption.

As an example, a married couple filing jointly with 2 children (or dependents) would have a standard deduction of $21,800* plus $5,100* times 4 exemptions ($20,400*). The minimum for this family of would be $42,200*.

*Please note this example uses figures for the Tax Year 2025. Below is a chart you may reference for Tax Year 2025:

Reporting Requirements

Where can I find more information about reporting requirements?

Please visit the RI Division of Taxation’s mandate information page to learn more about reporting requirements.

Need More Information?

For questions regarding eligibility for health coverage through HealthSource RI, and exemptions for hardship or religious conscience:

Contact HealthSource RI by using our live web chat or via phone at 1-855-840-4774. Our live web chat and call center are typically staffed Monday-Friday from 8:00 a.m. to 6:00 p.m., with extended hours (during Open Enrollment): Mon, Weds-Fri 8:00 a.m. – 6:00 p.m.; Tues 8 a.m. – 8 p.m.; Sat 9 a.m. – 12 p.m.

For questions related to the tax filing threshold calculations, or other Personal Income Tax related matters:

Please call the Rhode Island Division of Taxation at (401) 574-8829 Option 3 (three). The line is staffed from 8:30 a.m. to 3:30 p.m. business days. Or visit the Division’s website: www.tax.ri.gov.

Specific penalty information will be added in the near future. For tax planning or other individual tax advice, including how the penalty may affect your personal financial circumstances, please contact your tax preparer or tax advisor.

DISCLAIMER
These materials were prepared as a service to the public by the Rhode Island Division of Taxation and HealthSource RI (collectively, the “State”). Although every reasonable effort has been made to assure the accuracy of the information within these materials, the State makes no claims, guarantees or promises about the accuracy, currency, or completeness of the information provided and is not responsible for any errors or omissions, or for results obtained from the use of the information.

The information provided in these materials is only intended to be a general summary. It is not intended to take the place of either the written law or regulations. We encourage readers to review the specific statutes, regulations, and other interpretive materials for a full and accurate statement of their contents.

Nothing in these materials constitutes accounting, legal or tax advice. These materials are provided “as is” without warranty of any kind, whether express or implied.

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The post RI Health Insurance Mandate first appeared on HealthSource RI.

“I am proud to have been a part of the state’s efforts to achieve universal coverage and to protect access to affordable coverage,” Sherman said.  “As a result of Governor Raimondo’s leadership, we have lowered the uninsured rate by nearly two thirds, resulting in more than 96% of Rhode Islanders with coverage.  HSRI’s commitment to customer service, our extensive statewide outreach and community engagement initiatives, and our mission-driven staff have been a big part of this success and it has been an honor to be a part of it.”

“A record number of Rhode Islanders have access to affordable health care as a direct result of Zach’s service to our state,” said Governor Gina M. Raimondo. “Under his leadership, we’ve made significant progress reducing our uninsured rate and have improved HealthSource’s engagement with its customers. I’m grateful for his years of dedication to the people of Rhode Island, and I wish him the best of luck in his next venture.”

HealthSource RI’s Chief of Staff, Lindsay Lang, will serve as interim director during the search process for a permanent director.

The post Director Sherman to Leave HealthSource RI first appeared on HealthSource RI.

Did you know that you can sign up for health insurance any time your life changes and you need health insurance?

If you think any of the below scenarios apply to you, join us at the Woonsocket Public Library to get help signing up for 2019 health coverage. The open enrollment period for individuals and families has ended, but you may still qualify for a Special Enrollment Period if:

• You’ve lost your health insurance from an employer: You left a job where you were provided health insurance, or were let go from a job where you received health insurance.
• Your employer changes the coverage available to you: Your employer discontinued your health insurance or changed the coverage offered and you’re allowed to terminate that plan.
• Your household size has changed: You’ve gotten married, divorced or added a new child to your family (birth, adoption foster care placement).
• You’re new to Rhode Island: You’ve just moved from out of state and don’t have access to insurance through an employer.
• Your immigration status has changed: You are now a U.S. citizen or lawfully present in the U.S.
• You’re too old to be covered by your parents: You’ve been covered on your parents’ policy, but have recently turned 26.
• You’re no longer covered by another government health insurance plan: You were covered by RIte Care/Medicaid or veterans/military coverage but you are losing that coverage.

Please note: In most cases, you have 60 days from the event to change or update your coverage.

The post Woonsocket Enrollment Event first appeared on HealthSource RI.

Did you know that you can sign up for health insurance any time your life changes and you need health insurance?

If you think any of the below scenarios apply to you, join us at the Exeter Library to get help signing up for coverage for 2019. The open enrollment period for individuals and families has ended, but you may still qualify for a Special Enrollment Period if:

• You’ve lost your health insurance from an employer: You left a job where you were provided health insurance, or were let go from a job where you received health insurance.
• Your employer changes the coverage available to you: Your employer discontinued your health insurance or changed the coverage offered and you’re allowed to terminate that plan.
• Your household size has changed: You’ve gotten married, divorced or added a new child to your family (birth, adoption foster care placement).
• You’re new to Rhode Island: You’ve just moved from out of state and don’t have access to insurance through an employer.
• Your immigration status has changed: You are now a U.S. citizen or lawfully present in the U.S.
• You’re too old to be covered by your parents: You’ve been covered on your parents’ policy, but have recently turned 26.
• You’re no longer covered by another government health insurance plan: You were covered by RIte Care/Medicaid or veterans/military coverage but you are losing that coverage.

Please note: In most cases, you have 60 days from the event to change or update your coverage.

The post Exeter Special Enrollment Event first appeared on HealthSource RI.

Did you know that you can sign up for health insurance any time your life changes and you need health insurance?

If you think any of the below scenarios apply to you, join us at the North Providence Library to get help signing up for coverage for 2019. The open enrollment period for individuals and families has ended, but you may still qualify for a Special Enrollment Period if:

• You’ve lost your health insurance from an employer: You left a job where you were provided health insurance, or were let go from a job where you received health insurance.
• Your employer changes the coverage available to you: Your employer discontinued your health insurance or changed the coverage offered and you’re allowed to terminate that plan.
• Your household size has changed: You’ve gotten married, divorced or added a new child to your family (birth, adoption foster care placement).
• You’re new to Rhode Island: You’ve just moved from out of state and don’t have access to insurance through an employer.
• Your immigration status has changed: You are now a U.S. citizen or lawfully present in the U.S.
• You’re too old to be covered by your parents: You’ve been covered on your parents’ policy, but have recently turned 26.
• You’re no longer covered by another government health insurance plan: You were covered by RIte Care/Medicaid or veterans/military coverage but you are losing that coverage.

Please note: In most cases, you have 60 days from the event to change or update your coverage.

The post North Providence Special Enrollment Event first appeared on HealthSource RI.

Did you know that you can sign up for health insurance any time your life changes and you need health insurance?

If you think any of the below scenarios apply to you, join us at the Warwick Public Library to get help signing up for coverage for 2019. The open enrollment period for individuals and families has ended, but you may still qualify for a Special Enrollment Period if:

• You’ve lost your health insurance from an employer: You left a job where you were provided health insurance, or were let go from a job where you received health insurance.
• Your employer changes the coverage available to you: Your employer discontinued your health insurance or changed the coverage offered and you’re allowed to terminate that plan.
• Your household size has changed: You’ve gotten married, divorced or added a new child to your family (birth, adoption foster care placement).
• You’re new to Rhode Island: You’ve just moved from out of state and don’t have access to insurance through an employer.
• Your immigration status has changed: You are now a U.S. citizen or lawfully present in the U.S.
• You’re too old to be covered by your parents: You’ve been covered on your parents’ policy, but have recently turned 26.
• You’re no longer covered by another government health insurance plan: You were covered by RIte Care/Medicaid or veterans/military coverage but you are losing that coverage.

Please note: In most cases, you have 60 days from the event to change or update your coverage.

The post Warwick Special Enrollment Event first appeared on HealthSource RI.

Did you know that you can sign up for health insurance any time your life changes and you need health insurance?

If you think any of the below scenarios apply to you, join us at the North Kingstown Library to get help signing up for coverage for 2019. The open enrollment period for individuals and families has ended, but you may still qualify for a Special Enrollment Period if:

• You’ve lost your health insurance from an employer: You left a job where you were provided health insurance, or were let go from a job where you received health insurance.
• Your employer changes the coverage available to you: Your employer discontinued your health insurance or changed the coverage offered and you’re allowed to terminate that plan.
• Your household size has changed: You’ve gotten married, divorced or added a new child to your family (birth, adoption foster care placement).
• You’re new to Rhode Island: You’ve just moved from out of state and don’t have access to insurance through an employer.
• Your immigration status has changed: You are now a U.S. citizen or lawfully present in the U.S.
• You’re too old to be covered by your parents: You’ve been covered on your parents’ policy, but have recently turned 26.
• You’re no longer covered by another government health insurance plan: You were covered by RIte Care/Medicaid or veterans/military coverage but you are losing that coverage.

Please note: In most cases, you have 60 days from the event to change or update your coverage.

The post North Kingstown Special Enrollment Event first appeared on HealthSource RI.

Did you know that you can sign up for health insurance any time your life changes and you need health insurance?

If you think any of the below scenarios apply to you, join us at the Portsmouth Library to get help signing up for coverage for 2019. The open enrollment period for individuals and families has ended, but you may still qualify for a Special Enrollment Period if:

• You’ve lost your health insurance from an employer: You left a job where you were provided health insurance, or were let go from a job where you received health insurance.
• Your employer changes the coverage available to you: Your employer discontinued your health insurance or changed the coverage offered and you’re allowed to terminate that plan.
• Your household size has changed: You’ve gotten married, divorced or added a new child to your family (birth, adoption foster care placement).
• You’re new to Rhode Island: You’ve just moved from out of state and don’t have access to insurance through an employer.
• Your immigration status has changed: You are now a U.S. citizen or lawfully present in the U.S.
• You’re too old to be covered by your parents: You’ve been covered on your parents’ policy, but have recently turned 26.
• You’re no longer covered by another government health insurance plan: You were covered by RIte Care/Medicaid or veterans/military coverage but you are losing that coverage.

Please note: In most cases, you have 60 days from the event to change or update your coverage.

The post Portsmouth Special Enrollment Event first appeared on HealthSource RI.

Did you know that you can sign up for health insurance any time your life changes and you need health insurance?

If you think any of the below scenarios apply to you, join us at the Cumberland Public Library to get help signing up for coverage for 2019. The open enrollment period for individuals and families has ended, but you may still qualify for a Special Enrollment Period if:

• You’ve lost your health insurance from an employer: You left a job where you were provided health insurance, or were let go from a job where you received health insurance.
• Your employer changes the coverage available to you: Your employer discontinued your health insurance or changed the coverage offered and you’re allowed to terminate that plan.
• Your household size has changed: You’ve gotten married, divorced or added a new child to your family (birth, adoption foster care placement).
• You’re new to Rhode Island: You’ve just moved from out of state and don’t have access to insurance through an employer.
• Your immigration status has changed: You are now a U.S. citizen or lawfully present in the U.S.
• You’re too old to be covered by your parents: You’ve been covered on your parents’ policy, but have recently turned 26.
• You’re no longer covered by another government health insurance plan: You were covered by RIte Care/Medicaid or veterans/military coverage but you are losing that coverage.

Please note: In most cases, you have 60 days from the event to change or update your coverage.

The post Cumberland Special Enrollment Event first appeared on HealthSource RI.

Did you know that you can sign up for health insurance any time your life changes and you need health insurance?

If you think any of the below scenarios apply to you, join us at the Mariam J Mohr Library to get help signing up for coverage for 2019. The open enrollment period for individuals and families has ended, but you may still qualify for a Special Enrollment Period if:

• You’ve lost your health insurance from an employer: You left a job where you were provided health insurance, or were let go from a job where you received health insurance.
• Your employer changes the coverage available to you: Your employer discontinued your health insurance or changed the coverage offered and you’re allowed to terminate that plan.
• Your household size has changed: You’ve gotten married, divorced or added a new child to your family (birth, adoption foster care placement).
• You’re new to Rhode Island: You’ve just moved from out of state and don’t have access to insurance through an employer.
• Your immigration status has changed: You are now a U.S. citizen or lawfully present in the U.S.
• You’re too old to be covered by your parents: You’ve been covered on your parents’ policy, but have recently turned 26.
• You’re no longer covered by another government health insurance plan: You were covered by RIte Care/Medicaid or veterans/military coverage but you are losing that coverage.

Please note: In most cases, you have 60 days from the event to change or update your coverage.

The post Johnston Enrollment Event first appeared on HealthSource RI.

Did you know that you can sign up for health insurance any time your life changes and you need health insurance?

If you think any of the below scenarios apply to you, join us at the Middletown Library to get help signing up for coverage for 2019. The open enrollment period for individuals and families has ended, but you may still qualify for a Special Enrollment Period if:

• You’ve lost your health insurance from an employer: You left a job where you were provided health insurance, or were let go from a job where you received health insurance.
• Your employer changes the coverage available to you: Your employer discontinued your health insurance or changed the coverage offered and you’re allowed to terminate that plan.
• Your household size has changed: You’ve gotten married, divorced or added a new child to your family (birth, adoption foster care placement).
• You’re new to Rhode Island: You’ve just moved from out of state and don’t have access to insurance through an employer.
• Your immigration status has changed: You are now a U.S. citizen or lawfully present in the U.S.
• You’re too old to be covered by your parents: You’ve been covered on your parents’ policy, but have recently turned 26.
• You’re no longer covered by another government health insurance plan: You were covered by RIte Care/Medicaid or veterans/military coverage but you are losing that coverage.

Please note: In most cases, you have 60 days from the event to change or update your coverage.

The post Middletown Enrollment Event first appeared on HealthSource RI.

Did you know that you can sign up for health insurance any time your life changes and you need health insurance?

If you think any of the below scenarios apply to you, join us at the Westerly Public Library to get help signing up for coverage for 2019. The open enrollment period for individuals and families has ended, but you may still qualify for a Special Enrollment Period if:

• You’ve lost your health insurance from an employer: You left a job where you were provided health insurance, or were let go from a job where you received health insurance.
• Your employer changes the coverage available to you: Your employer discontinued your health insurance or changed the coverage offered and you’re allowed to terminate that plan.
• Your household size has changed: You’ve gotten married, divorced or added a new child to your family (birth, adoption foster care placement).
• You’re new to Rhode Island: You’ve just moved from out of state and don’t have access to insurance through an employer.
• Your immigration status has changed: You are now a U.S. citizen or lawfully present in the U.S.
• You’re too old to be covered by your parents: You’ve been covered on your parents’ policy, but have recently turned 26.
• You’re no longer covered by another government health insurance plan: You were covered by RIte Care/Medicaid or veterans/military coverage but you are losing that coverage.

Please note: In most cases, you have 60 days from the event to change or update your coverage.

The post Westerly Enrollment Event first appeared on HealthSource RI.

Did you know that you can sign up for health insurance any time your life changes and you need health insurance?

If you think any of the below scenarios apply to you, join us at the Bristol Public Library to get help signing up for coverage for 2019. The open enrollment period for individuals and families has ended, but you may still qualify for a Special Enrollment Period if:

• You’ve lost your health insurance from an employer: You left a job where you were provided health insurance, or were let go from a job where you received health insurance.
• Your employer changes the coverage available to you: Your employer discontinued your health insurance or changed the coverage offered and you’re allowed to terminate that plan.
• Your household size has changed: You’ve gotten married, divorced or added a new child to your family (birth, adoption foster care placement).
• You’re new to Rhode Island: You’ve just moved from out of state and don’t have access to insurance through an employer.
• Your immigration status has changed: You are now a U.S. citizen or lawfully present in the U.S.
• You’re too old to be covered by your parents: You’ve been covered on your parents’ policy, but have recently turned 26.
• You’re no longer covered by another government health insurance plan: You were covered by RIte Care/Medicaid or veterans/military coverage but you are losing that coverage.

Please note: In most cases, you have 60 days from the event to change or update your coverage.

The post Bristol Enrollment Event first appeared on HealthSource RI.

Did you know that you can sign up for health insurance any time your life changes and you need health insurance?

If you think any of the below scenarios apply to you, join us at the South Kingstown Guild to get help signing up for coverage for 2019. The open enrollment period for individuals and families has ended, but you may still qualify for a Special Enrollment Period if:

• You’ve lost your health insurance from an employer: You left a job where you were provided health insurance, or were let go from a job where you received health insurance.
• Your employer changes the coverage available to you: Your employer discontinued your health insurance or changed the coverage offered and you’re allowed to terminate that plan.
• Your household size has changed: You’ve gotten married, divorced or added a new child to your family (birth, adoption foster care placement).
• You’re new to Rhode Island: You’ve just moved from out of state and don’t have access to insurance through an employer.
• Your immigration status has changed: You are now a U.S. citizen or lawfully present in the U.S.
• You’re too old to be covered by your parents: You’ve been covered on your parents’ policy, but have recently turned 26.
• You’re no longer covered by another government health insurance plan: You were covered by RIte Care/Medicaid or veterans/military coverage but you are losing that coverage.

Please note: In most cases, you have 60 days from the event to change or update your coverage.

The post South Kingstown Enrollment Event first appeared on HealthSource RI.

Did you know that you can sign up for health insurance any time your life changes and you need health insurance?

If you think any of the below scenarios apply to you, join us at the Warwick Public Library (small meeting room) to get help signing up for coverage for 2019. The open enrollment period for individuals and families has ended, but you may still qualify for a Special Enrollment Period if:

• You’ve lost your health insurance from an employer: You left a job where you were provided health insurance, or were let go from a job where you received health insurance.
• Your employer changes the coverage available to you: Your employer discontinued your health insurance or changed the coverage offered and you’re allowed to terminate that plan.
• Your household size has changed: You’ve gotten married, divorced or added a new child to your family (birth, adoption foster care placement).
• You’re new to Rhode Island: You’ve just moved from out of state and don’t have access to insurance through an employer.
• Your immigration status has changed: You are now a U.S. citizen or lawfully present in the U.S.
• You’re too old to be covered by your parents: You’ve been covered on your parents’ policy, but have recently turned 26.
• You’re no longer covered by another government health insurance plan: You were covered by RIte Care/Medicaid or veterans/military coverage but you are losing that coverage.

Please note: In most cases, you have 60 days from the event to change or update your coverage.

The post Warwick Special Enrollment Event first appeared on HealthSource RI.

Did you know that you can sign up for health insurance any time your life changes and you need health insurance?

If you think any of the below scenarios apply to you, join us at the Woonsocket Harris Public Library to get help signing up for coverage for 2019. The open enrollment period for individuals and families has ended, but you may still qualify for a Special Enrollment Period if:

• You’ve lost your health insurance from an employer: You left a job where you were provided health insurance, or were let go from a job where you received health insurance.
• Your employer changes the coverage available to you: Your employer discontinued your health insurance or changed the coverage offered and you’re allowed to terminate that plan.
• Your household size has changed: You’ve gotten married, divorced or added a new child to your family (birth, adoption foster care placement).
• You’re new to Rhode Island: You’ve just moved from out of state and don’t have access to insurance through an employer.
• Your immigration status has changed: You are now a U.S. citizen or lawfully present in the U.S.
• You’re too old to be covered by your parents: You’ve been covered on your parents’ policy, but have recently turned 26.
• You’re no longer covered by another government health insurance plan: You were covered by RIte Care/Medicaid or veterans/military coverage but you are losing that coverage.

Please note: In most cases, you have 60 days from the event to change or update your coverage.

The post Woonsocket Special Enrollment Event first appeared on HealthSource RI.

• According to the latest Rhode Island’s Health Information Survey, only 3.7% of Rhode Islanders were uninsured in 2018, down from 4.2% in 2016.
• HealthSource RI’s individual and family enrollments increased by 1,849. This Open Enrollment, 32,486 customers enrolled and paid compared to 30,637 last year.
• The amount of financial assistance brought into Rhode Island to make health coverage more affordable increased by nearly a million dollars, to $8.35 million in January 2019, compared to $7.5 million in January 2018.
• HealthSource RI’s competitive marketplace offers the 3rd lowest-cost benchmark plan nationwide in 2019.
• HealthSource RI overhauled its website to provide tools that were clear, mobile friendly, and available in both Spanish and English. Visits to the site’s Plan Comparison & Savings Tool doubled this year as more shoppers used it to quickly understand their coverage options.
• Governor Raimondo’s 2020 budget proposal includes initiatives to keep health insurance affordable and to protect Rhode Island’s nation leading coverage levels.

EAST PROVIDENCE, R.I. (February 25, 2019) — The percentage of Rhode Island residents without health insurance has reached an all-time low. According to the state’s latest Health Information Survey (HIS), over 1 million Rhode Islanders have health insurance for the first time ever and only 3.7% (see Figure 1) were uninsured in 2018. Rhode Island’s uninsured rate has decreased by nearly two thirds since the Affordable Care

Act (ACA) was implemented and today it is among the lowest in the nation. The HIS was conducted by phone and completed during June through December of 2018. The margin of error is approximately +/- 0.7%.

Despite lagging enrollment rates in most of the country, HealthSource RI (HSRI) enrollments increased by nearly 2,000 customers in 2019. As of January 31, 2019, 32,486 customers had­ enrolled and paid for 2019 health coverage through HSRI. This is 1,849 more customer than the 30,637 enrolled at the same time last year (see Figure 2). HealthSource RI’s renewal rate also increased in 2019. Eighty percent of customers came back to purchase coverage, a 4% increase from the year before.

“The results are in: The Affordable Care Act is working in Rhode Island,” said Governor Gina M. Raimondo. “More than 1 million Rhode Islanders have insurance for the first time ever, our uninsured rate is the lowest it’s ever been, and HealthSource RI offers some of the most affordable plans in the country. But the Trump Administration’s dangerous policies put our progress at risk. It’s critical that we protect the ACA and continue our work until every single Rhode Islander has quality, affordable health insurance.”

Governor Raimondo’s budget proposal contains initiatives to contain premium increases and stabilize Rhode Island’s markets. These initiatives include consumer protections against predatory ‘junk’ plans, a reinsurance program and a shared responsibility requirement penalty.

HealthSource RI has the third-lowest benchmark plan nationwide in 2019.  The benchmark plan is the second-lowest cost Silver plan available and determines the amount of financial assistance or Advance Premium Tax Credits (APTC) customers receive.

Premium tax credits continued to protect a majority of HealthSource RI’s customers from rising health insurance rates. In January 2019, HealthSource RI customers qualified for more than $8.3 million in financial assistance to make their premiums more affordable, compared to $7.5 million in January 2018 and $5.2 million in January 2017. That’s an increase of nearly a million dollars from last year and an increase of three million dollars from 2017.  Eighty-one percent of HealthSource RI customers received financial assistance in 2019.

While customers who receive financial assistance have largely been insulated from premium increases, middle class families and the smallest businesses don’t receive tax credits and as a result, have to pay for the full cost of premium increases.  Since 2017, premiums for those who don’t receive financial assistance have increased by 26.4% (see Figure 3).

HealthSource RI Director, Zachary Sherman, says there is a lot to celebrate and even more to protect.

“I’m excited we were able to connect even more Rhode Islanders with quality health insurance and the financial assistance to pay for it,” said HealthSource RI Director Zachary W. Sherman. “It is clear that the improvements we made to the enrollment process paid off this year, a testament to the flexibility that comes with having local control of our operations.  We have nearly achieved universal coverage in Rhode Island, which means we have far to fall if the policies coming out of DC are successful.  The proposals put forth by Governor Raimondo will go a long way towards making sure that doesn’t happen.”

To mitigate customer confusion and ensure customers picked the best plan for them, HealthSource RI revised its Plan Comparison & Savings Tool,  launched a redesigned, mobile friendly website, and released Spanish language versions of all of its online tools and materials. During the 2019 Open Enrollment period, HSRI saw 103,383 visits to the online savings tool, an increase of nearly 150% from 2018.

Although Open Enrollment for 2019 health coverage has ended, Special Enrollment Periods are available for individuals and families who go through life changes that affect their ability to get healthcare coverage. Those who experience a qualifying life event, such as moving to Rhode Island or losing employer-sponsored coverage, should contact HealthSource RI at 1-855-840-4774 or in-person at 401 Wampanoag Trail in East Providence. A full list of qualifying events and hours of operation can be found at healthsourceri.wpengine.com/sep.

Small employers who purchase coverage through HealthSource RI for Employers may enroll in health insurance coverage throughout the year at their regular renewal date.

The post HealthSource RI enrollments up by nearly 2,000 customers as RI’s uninsured rate reaches all-time low first appeared on HealthSource RI.

Did you know that you can sign up for health insurance any time your life changes and you need health insurance?

If you think any of the below scenarios apply to you, join us at the North Providence Union Free Library to get help signing up for coverage for 2019. The open enrollment period for individuals and families has ended, but you may still qualify for a Special Enrollment Period if:

• You’ve lost your health insurance from an employer: You left a job where you were provided health insurance, or were let go from a job where you received health insurance.
• Your employer changes the coverage available to you: Your employer discontinued your health insurance or changed the coverage offered and you’re allowed to terminate that plan.
• Your household size has changed: You’ve gotten married, divorced or added a new child to your family (birth, adoption foster care placement).
• You’re new to Rhode Island: You’ve just moved from out of state and don’t have access to insurance through an employer.
• Your immigration status has changed: You are now a U.S. citizen or lawfully present in the U.S.
• You’re too old to be covered by your parents: You’ve been covered on your parents’ policy, but have recently turned 26.
• You’re no longer covered by another government health insurance plan: You were covered by RIte Care/Medicaid or veterans/military coverage but you are losing that coverage.

Please note: In most cases, you have 60 days from the event to change or update your coverage.

The post North Providence Special Enrollment Event first appeared on HealthSource RI.

Did you know that you can sign up for health insurance any time your life changes and you need health insurance?

If you think any of the below scenarios apply to you, join us at the Westerly Library to get help signing up for coverage for 2019. The open enrollment period for individuals and families has ended, but you may still qualify for a Special Enrollment Period if:

• You’ve lost your health insurance from an employer: You left a job where you were provided health insurance, or were let go from a job where you received health insurance.
• Your employer changes the coverage available to you: Your employer discontinued your health insurance or changed the coverage offered and you’re allowed to terminate that plan.
• Your household size has changed: You’ve gotten married, divorced or added a new child to your family (birth, adoption foster care placement).
• You’re new to Rhode Island: You’ve just moved from out of state and don’t have access to insurance through an employer.
• Your immigration status has changed: You are now a U.S. citizen or lawfully present in the U.S.
• You’re too old to be covered by your parents: You’ve been covered on your parents’ policy, but have recently turned 26.
• You’re no longer covered by another government health insurance plan: You were covered by RIte Care/Medicaid or veterans/military coverage but you are losing that coverage.

Please note: In most cases, you have 60 days from the event to change or update your coverage.

The post Westerly Special Enrollment Event first appeared on HealthSource RI.

Did you know that you can sign up for health insurance any time your life changes and you need health insurance?

If you think any of the below scenarios apply to you, join us at the Cumberland Public Library to get help signing up for coverage for 2019. The open enrollment period for individuals and families has ended, but you may still qualify for a Special Enrollment Period if:

• You’ve lost your health insurance from an employer: You left a job where you were provided health insurance, or were let go from a job where you received health insurance.
• Your employer changes the coverage available to you: Your employer discontinued your health insurance or changed the coverage offered and you’re allowed to terminate that plan.
• Your household size has changed: You’ve gotten married, divorced or added a new child to your family (birth, adoption foster care placement).
• You’re new to Rhode Island: You’ve just moved from out of state and don’t have access to insurance through an employer.
• Your immigration status has changed: You are now a U.S. citizen or lawfully present in the U.S.
• You’re too old to be covered by your parents: You’ve been covered on your parents’ policy, but have recently turned 26.
• You’re no longer covered by another government health insurance plan: You were covered by RIte Care/Medicaid or veterans/military coverage but you are losing that coverage.

Please note: In most cases, you have 60 days from the event to change or update your coverage.

The post Cumberland Special Enrollment Event first appeared on HealthSource RI.

This event has been cancelled for the rest of the day due to a power outage at the library. We apologize for the inconvenience.

Did you know that you can sign up for health insurance any time your life changes and you need health insurance?

If you think any of the below scenarios apply to you, join us at the Exeter Public Library to get help signing up for coverage for 2019. The open enrollment period for individuals and families has ended, but you may still qualify for a Special Enrollment Period if:

• You’ve lost your health insurance from an employer: You left a job where you were provided health insurance, or were let go from a job where you received health insurance.
• Your employer changes the coverage available to you: Your employer discontinued your health insurance or changed the coverage offered and you’re allowed to terminate that plan.
• Your household size has changed: You’ve gotten married, divorced or added a new child to your family (birth, adoption foster care placement).
• You’re new to Rhode Island: You’ve just moved from out of state and don’t have access to insurance through an employer.
• Your immigration status has changed: You are now a U.S. citizen or lawfully present in the U.S.
• You’re too old to be covered by your parents: You’ve been covered on your parents’ policy, but have recently turned 26.
• You’re no longer covered by another government health insurance plan: You were covered by RIte Care/Medicaid or veterans/military coverage but you are losing that coverage.

Please note: In most cases, you have 60 days from the event to change or update your coverage.

The post Exeter Enrollment Event – Cancelled due to power outage first appeared on HealthSource RI.

Did you know that you can sign up for health insurance any time your life changes and you need health insurance?

If you think any of the below scenarios apply to you, join us at the Portsmouth Public Library to get help signing up for coverage for 2019. The open enrollment period for individuals and families has ended, but you may still qualify for a Special Enrollment Period if:

• You’ve lost your health insurance from an employer: You left a job where you were provided health insurance, or were let go from a job where you received health insurance.
• Your employer changes the coverage available to you: Your employer discontinued your health insurance or changed the coverage offered and you’re allowed to terminate that plan.
• Your household size has changed: You’ve gotten married, divorced or added a new child to your family (birth, adoption foster care placement).
• You’re new to Rhode Island: You’ve just moved from out of state and don’t have access to insurance through an employer.
• Your immigration status has changed: You are now a U.S. citizen or lawfully present in the U.S.
• You’re too old to be covered by your parents: You’ve been covered on your parents’ policy, but have recently turned 26.
• You’re no longer covered by another government health insurance plan: You were covered by RIte Care/Medicaid or veterans/military coverage but you are losing that coverage.

Please note: In most cases, you have 60 days from the event to change or update your coverage.

The post Portsmouth Special Enrollment Event first appeared on HealthSource RI.

* This event has been canceled due to the winter storm. We will reschedule it for a future date and apologize for the inconvenience.

Did you know that you can sign up for health insurance any time your life changes and you need health insurance?

If you think any of the below scenarios apply to you, join us at the North Providence Union Free Library to get help signing up for coverage for 2019. The open enrollment period for individuals and families has ended, but you may still qualify for a Special Enrollment Period if:

• You’ve lost your health insurance from an employer: You left a job where you were provided health insurance, or were let go from a job where you received health insurance.
• Your employer changes the coverage available to you: Your employer discontinued your health insurance or changed the coverage offered and you’re allowed to terminate that plan.
• Your household size has changed: You’ve gotten married, divorced or added a new child to your family (birth, adoption foster care placement).
• You’re new to Rhode Island: You’ve just moved from out of state and don’t have access to insurance through an employer.
• Your immigration status has changed: You are now a U.S. citizen or lawfully present in the U.S.
• You’re too old to be covered by your parents: You’ve been covered on your parents’ policy, but have recently turned 26.
• You’re no longer covered by another government health insurance plan: You were covered by RIte Care/Medicaid or veterans/military coverage but you are losing that coverage.

Please note: In most cases, you have 60 days from the event to change or update your coverage.

The post North Providence Special Enrollment Event – Canceled due to weather first appeared on HealthSource RI.

Did you know that you can sign up for health insurance any time your life changes and you need health insurance?

If you think any of the below scenarios apply to you, join us at the Greenville Library to get help signing up for coverage for 2019. The open enrollment period for individuals and families has ended, but you may still qualify for a Special Enrollment Period if:

• You’ve lost your health insurance from an employer: You left a job where you were provided health insurance, or were let go from a job where you received health insurance.
• Your employer changes the coverage available to you: Your employer discontinued your health insurance or changed the coverage offered and you’re allowed to terminate that plan.
• Your household size has changed: You’ve gotten married, divorced or added a new child to your family (birth, adoption foster care placement).
• You’re new to Rhode Island: You’ve just moved from out of state and don’t have access to insurance through an employer.
• Your immigration status has changed: You are now a U.S. citizen or lawfully present in the U.S.
• You’re too old to be covered by your parents: You’ve been covered on your parents’ policy, but have recently turned 26.
• You’re no longer covered by another government health insurance plan: You were covered by RIte Care/Medicaid or veterans/military coverage but you are losing that coverage.

Please note: In most cases, you have 60 days from the event to change or update your coverage.

The post Greenville Special Enrollment Event first appeared on HealthSource RI.

Did you know that you can sign up for health insurance any time your life changes and you need health insurance?

If you think any of the below scenarios apply to you, join us at the Exeter Public Library to get help signing up for coverage for 2019. The open enrollment period for individuals and families has ended, but you may still qualify for a Special Enrollment Period if:

• You’ve lost your health insurance from an employer: You left a job where you were provided health insurance, or were let go from a job where you received health insurance.
• Your employer changes the coverage available to you: Your employer discontinued your health insurance or changed the coverage offered and you’re allowed to terminate that plan.
• Your household size has changed: You’ve gotten married, divorced or added a new child to your family (birth, adoption foster care placement).
• You’re new to Rhode Island: You’ve just moved from out of state and don’t have access to insurance through an employer.
• Your immigration status has changed: You are now a U.S. citizen or lawfully present in the U.S.
• You’re too old to be covered by your parents: You’ve been covered on your parents’ policy, but have recently turned 26.
• You’re no longer covered by another government health insurance plan: You were covered by RIte Care/Medicaid or veterans/military coverage but you are losing that coverage.

Please note: In most cases, you have 60 days from the event to change or update your coverage.

The post Exeter Special Enrollment Event – Cancelled due to library power outage first appeared on HealthSource RI.

Did you know that you can sign up for health insurance any time your life changes and you need health insurance?

If you think any of the below scenarios apply to you, join us at the North Kingstown Free Library to get help signing up for coverage for 2018.

The open enrollment period for individuals and families has ended, but you may still qualify for a Special Enrollment Period if:

• You’ve lost your health insurance from an employer: You left a job where you were provided health insurance, or were let go from a job where you received health insurance.
• Your employer changes the coverage available to you: Your employer discontinued your health insurance or changed the coverage offered and you’re allowed to terminate that plan.
• Your household size has changed: You’ve gotten married, divorced or added a new child to your family (birth, adoption foster care placement).
• You’re new to Rhode Island: You’ve just moved from out of state and don’t have access to insurance through an employer.
• Your immigration status has changed: You are now a U.S. citizen or lawfully present in the U.S.
• You’re too old to be covered by your parents: You’ve been covered on your parents’ policy, but have recently turned 26.
• You’re no longer covered by another government health insurance plan: You were covered by RIte Care/Medicaid or veterans/military coverage but you are losing that coverage.

Please note: In most cases, you have 60 days from the event to change or update your coverage.

The post North Kingstown Special Enrollment Event first appeared on HealthSource RI.

Did you know that you can sign up for health insurance any time your life changes and you need health insurance?

If you think any of the below scenarios apply to you, join us at the Woonsocket Harris Public Library to get help signing up for coverage for 2018.

The open enrollment period for individuals and families has ended, but you may still qualify for a Special Enrollment Period if:

• You’ve lost your health insurance from an employer: You left a job where you were provided health insurance, or were let go from a job where you received health insurance.
• Your employer changes the coverage available to you: Your employer discontinued your health insurance or changed the coverage offered and you’re allowed to terminate that plan.
• Your household size has changed: You’ve gotten married, divorced or added a new child to your family (birth, adoption foster care placement).
• You’re new to Rhode Island: You’ve just moved from out of state and don’t have access to insurance through an employer.
• Your immigration status has changed: You are now a U.S. citizen or lawfully present in the U.S.
• You’re too old to be covered by your parents: You’ve been covered on your parents’ policy, but have recently turned 26.
• You’re no longer covered by another government health insurance plan: You were covered by RIte Care/Medicaid or veterans/military coverage but you are losing that coverage.

Please note: In most cases, you have 60 days from the event to change or update your coverage.

The post Woonsocket Special Enrollment Event first appeared on HealthSource RI.

Did you know that you can sign up for health insurance any time your life changes and you need health insurance?

If you think any of the below scenarios apply to you, join us at the Warwick Public Library to get help signing up for coverage for 2018.

The open enrollment period for individuals and families has ended, but you may still qualify for a Special Enrollment Period if:

• You’ve lost your health insurance from an employer: You left a job where you were provided health insurance, or were let go from a job where you received health insurance.
• Your employer changes the coverage available to you: Your employer discontinued your health insurance or changed the coverage offered and you’re allowed to terminate that plan.
• Your household size has changed: You’ve gotten married, divorced or added a new child to your family (birth, adoption foster care placement).
• You’re new to Rhode Island: You’ve just moved from out of state and don’t have access to insurance through an employer.
• Your immigration status has changed: You are now a U.S. citizen or lawfully present in the U.S.
• You’re too old to be covered by your parents: You’ve been covered on your parents’ policy, but have recently turned 26.
• You’re no longer covered by another government health insurance plan: You were covered by RIte Care/Medicaid or veterans/military coverage but you are losing that coverage.

Please note: In most cases, you have 60 days from the event to change or update your coverage.

The post Warwick Special Enrollment Event first appeared on HealthSource RI.

Did you know that you can sign up for health insurance any time your life changes and you need health insurance?

If you think any of the below scenarios apply to you, join us at the Newport Public Library to get help signing up for coverage for 2018.

The open enrollment period for individuals and families has ended, but you may still qualify for a Special Enrollment Period if:

• You’ve lost your health insurance from an employer: You left a job where you were provided health insurance, or were let go from a job where you received health insurance.
• Your employer changes the coverage available to you: Your employer discontinued your health insurance or changed the coverage offered and you’re allowed to terminate that plan.
• Your household size has changed: You’ve gotten married, divorced or added a new child to your family (birth, adoption foster care placement).
• You’re new to Rhode Island: You’ve just moved from out of state and don’t have access to insurance through an employer.
• Your immigration status has changed: You are now a U.S. citizen or lawfully present in the U.S.
• You’re too old to be covered by your parents: You’ve been covered on your parents’ policy, but have recently turned 26.
• You’re no longer covered by another government health insurance plan: You were covered by RIte Care/Medicaid or veterans/military coverage but you are losing that coverage.

Please note: In most cases, you have 60 days from the event to change or update your coverage.

The post Newport Special Enrollment Event first appeared on HealthSource RI.

Did you know that you can sign up for health insurance any time your life changes and you need health insurance?

If you think any of the below scenarios apply to you, join us at the Greenville Public Library to get help signing up for coverage for 2018.

The open enrollment period for individuals and families has ended, but you may still qualify for a Special Enrollment Period if:

• You’ve lost your health insurance from an employer: You left a job where you were provided health insurance, or were let go from a job where you received health insurance.
• Your employer changes the coverage available to you: Your employer discontinued your health insurance or changed the coverage offered and you’re allowed to terminate that plan.
• Your household size has changed: You’ve gotten married, divorced or added a new child to your family (birth, adoption foster care placement).
• You’re new to Rhode Island: You’ve just moved from out of state and don’t have access to insurance through an employer.
• Your immigration status has changed: You are now a U.S. citizen or lawfully present in the U.S.
• You’re too old to be covered by your parents: You’ve been covered on your parents’ policy, but have recently turned 26.
• You’re no longer covered by another government health insurance plan: You were covered by RIte Care/Medicaid or veterans/military coverage but you are losing that coverage.

Please note: In most cases, you have 60 days from the event to change or update your coverage.

The post Greenville Special Enrollment Event first appeared on HealthSource RI.

Did you know that you can sign up for health insurance any time your life changes and you need health insurance?

If you think any of the below scenarios apply to you, join us at the Exeter Public Library to get help signing up for coverage for 2018.

The open enrollment period for individuals and families has ended, but you may still qualify for a Special Enrollment Period if:

• You’ve lost your health insurance from an employer: You left a job where you were provided health insurance, or were let go from a job where you received health insurance.
• Your employer changes the coverage available to you: Your employer discontinued your health insurance or changed the coverage offered and you’re allowed to terminate that plan.
• Your household size has changed: You’ve gotten married, divorced or added a new child to your family (birth, adoption foster care placement).
• You’re new to Rhode Island: You’ve just moved from out of state and don’t have access to insurance through an employer.
• Your immigration status has changed: You are now a U.S. citizen or lawfully present in the U.S.
• You’re too old to be covered by your parents: You’ve been covered on your parents’ policy, but have recently turned 26.
• You’re no longer covered by another government health insurance plan: You were covered by RIte Care/Medicaid or veterans/military coverage but you are losing that coverage.

Please note: In most cases, you have 60 days from the event to change or update your coverage.

The post Exeter Special Enrollment Event first appeared on HealthSource RI.

The post HealthSource RI teams up with CVS Health to make bill pay easier first appeared on HealthSource RI.

Did you know that you can sign up for health insurance any time your life changes and you need health insurance?

If you think any of the below scenarios apply to you, join us at the Portsmouth Free Public Library to get help signing up for coverage for 2018.

The open enrollment period for individuals and families has ended, but you may still qualify for a Special Enrollment Period if:

• You’ve lost your health insurance from an employer: You left a job where you were provided health insurance, or were let go from a job where you received health insurance.
• Your employer changes the coverage available to you: Your employer discontinued your health insurance or changed the coverage offered and you’re allowed to terminate that plan.
• Your household size has changed: You’ve gotten married, divorced or added a new child to your family (birth, adoption foster care placement).
• You’re new to Rhode Island: You’ve just moved from out of state and don’t have access to insurance through an employer.
• Your immigration status has changed: You are now a U.S. citizen or lawfully present in the U.S.
• You’re too old to be covered by your parents: You’ve been covered on your parents’ policy, but have recently turned 26.
• You’re no longer covered by another government health insurance plan: You were covered by RIte Care/Medicaid or veterans/military coverage but you are losing that coverage.

Please note: In most cases, you have 60 days from the event to change or update your coverage.

The post Portsmouth Special Enrollment Event first appeared on HealthSource RI.

The post Cumberland Special Enrollment Event first appeared on HealthSource RI.

Did you know that you can sign up for health insurance any time your life changes and you need health insurance?

If you think any of the below scenarios apply to you, join us at the Neighborhood Guild in South Kingstown to get help signing up for coverage for 2018.

The open enrollment period for individuals and families has ended, but you may still qualify for a Special Enrollment Period if:

• You’ve lost your health insurance from an employer: You left a job where you were provided health insurance, or were let go from a job where you received health insurance.
• Your employer changes the coverage available to you: Your employer discontinued your health insurance or changed the coverage offered and you’re allowed to terminate that plan.
• Your household size has changed: You’ve gotten married, divorced or added a new child to your family (birth, adoption foster care placement).
• You’re new to Rhode Island: You’ve just moved from out of state and don’t have access to insurance through an employer.
• Your immigration status has changed: You are now a U.S. citizen or lawfully present in the U.S.
• You’re too old to be covered by your parents: You’ve been covered on your parents’ policy, but have recently turned 26.
• You’re no longer covered by another government health insurance plan: You were covered by RIte Care/Medicaid or veterans/military coverage but you are losing that coverage.

Please note: In most cases, you have 60 days from the event to change or update your coverage.

The post South Kingstown Special Enrollment Event first appeared on HealthSource RI.

Did you know that you can sign up for health insurance any time your life changes and you need health insurance?

If you think any of the below scenarios apply to you, join us at the Marian J. Mohr Memorial Library to get help signing up for coverage for 2018.

The open enrollment period for individuals and families has ended, but you may still qualify for a Special Enrollment Period if:

• You’ve lost your health insurance from an employer: You left a job where you were provided health insurance, or were let go from a job where you received health insurance.
• Your employer changes the coverage available to you: Your employer discontinued your health insurance or changed the coverage offered and you’re allowed to terminate that plan.
• Your household size has changed: You’ve gotten married, divorced or added a new child to your family (birth, adoption foster care placement).
• You’re new to Rhode Island: You’ve just moved from out of state and don’t have access to insurance through an employer.
• Your immigration status has changed: You are now a U.S. citizen or lawfully present in the U.S.
• You’re too old to be covered by your parents: You’ve been covered on your parents’ policy, but have recently turned 26.
• You’re no longer covered by another government health insurance plan: You were covered by RIte Care/Medicaid or veterans/military coverage but you are losing that coverage.

Please note: In most cases, you have 60 days from the event to change or update your coverage.

The post Johnston Special Enrollment Event first appeared on HealthSource RI.

Did you know that you can sign up for health insurance any time your life changes and you need health insurance?

If you think any of the below scenarios apply to you, join us at the Westerly Library to get help signing up for coverage for 2018.

The open enrollment period for individuals and families has ended, but you may still qualify for a Special Enrollment Period if:

• You’ve lost your health insurance from an employer: You left a job where you were provided health insurance, or were let go from a job where you received health insurance.
• Your employer changes the coverage available to you: Your employer discontinued your health insurance or changed the coverage offered and you’re allowed to terminate that plan.
• Your household size has changed: You’ve gotten married, divorced or added a new child to your family (birth, adoption foster care placement).
• You’re new to Rhode Island: You’ve just moved from out of state and don’t have access to insurance through an employer.
• Your immigration status has changed: You are now a U.S. citizen or lawfully present in the U.S.
• You’re too old to be covered by your parents: You’ve been covered on your parents’ policy, but have recently turned 26.
• You’re no longer covered by another government health insurance plan: You were covered by RIte Care/Medicaid or veterans/military coverage but you are losing that coverage.

Please note: In most cases, you have 60 days from the event to change or update your coverage.

The post Westerly Special Enrollment Event first appeared on HealthSource RI.

The open enrollment period for individuals and families has ended, but you may still qualify for a Special Enrollment Period if:

• You’ve lost your health insurance from an employer: You left a job where you were provided health insurance, or were let go from a job where you received health insurance.
• Your employer changes the coverage available to you: Your employer discontinued your health insurance or changed the coverage offered and you’re allowed to terminate that plan.
• Your household size has changed: You’ve gotten married, divorced or added a new child to your family (birth, adoption foster care placement).
• You’re new to Rhode Island: You’ve just moved from out of state and don’t have access to insurance through an employer.
• Your immigration status has changed: You are now a U.S. citizen or lawfully present in the U.S.
• You’re too old to be covered by your parents: You’ve been covered on your parents’ policy, but have recently turned 26.
• You’re no longer covered by another government health insurance plan: You were covered by RIte Care/Medicaid or veterans/military coverage but you are losing that coverage.

Please note: In most cases, you have 60 days from the event to change or update your coverage.

The post Tiverton Special Enrollment Event first appeared on HealthSource RI.

Do you want dental care as well as health insurance coverage? You can buy coverage for yourself or your entire family though HealthSource RI.

All plans include free preventive and diagnostic care, like cleanings, X-rays and exams. If you want dental coverage for your children under 18, be aware that many of the health insurance plans on HealthSource RI already include pediatric dental coverage.

How to Enroll

You enroll in dental coverage the same way you enroll in health insurance coverage. Sign up during HealthSource RI’s Open Enrollment period or get a dental plan when you’re buying coverage because you’ve experienced a life changing event. To enroll:

• Log in to your account
• Call 1-855-840-4774
• Find help in your community

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Resources

2026 Dental Plans and Benefits for Individuals and Families

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Compare Plans &
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The post HealthSource RI Dental Coverage first appeared on HealthSource RI.

Attention Current or Recent Medicaid Members

Are you looking for information about your RI Medicaid renewal? Visit StayCovered.RI.gov

Did you recently lose or expect to lose your medicaid benefits? Visit HealthSource RI’s Transitions page to learn more about the health coverage options that may be available to you.

What is Medicaid?

Medicaid is a program that offers free or low-cost health coverage for people with limited income and resources. If you qualify, you can enroll in Medicaid at any time. In Rhode Island, we offer plans from Neighborhood Health Plan of Rhode Island, Tufts Health Plan, UnitedHealthcare and RIte Smiles.

Who is eligible for Medicaid?

Medicaid covers low-income adults, children, seniors, persons with disabilities, pregnant women, children in foster care and former foster youth up to age 26.

What is the difference between Medicaid and HealthSource RI?

HealthSource RI is the state’s marketplace for buying and comparing health insurance plans. Individuals apply for health coverage through HSRI and depending upon their income, they may be eligible for Medicaid or eligible to purchase an insurance plan (possibly with financial assistance). Your application through HSRI will determine your options.

Health plans available through Medicaid and HealthSource RI both offer a similar set of important benefits, called essential health benefits.

If you were recently or are about to be terminated from Medicaid, please visit HealthSourceRI.com/transitions. If are looking for more information about the Medicaid renewals process, please visit staycovered.ri.gov. 

How can I apply for Medicaid?

You can apply online on HealthSourceRI.com. This single application will let you know if you qualify for free or low-cost Medicaid or for affordable commercial coverage through HealthSource RI. You can also apply in person at your local Department of Human Services (DHS) office or by phone by calling HealthSource RI at 1-855-840-4774.

If you need help applying or have questions, you can Find Help for free. Find a certified enroller in your area.

After applying

You will receive a notice from the Department of Human Services letting you know if you were approved, denied or if they require more information in order to make a determination.  It is very important for you to respond if information is requested.

If you are no longer eligible for Medicaid, contact HealthSource RI.

If you get a Medicaid notice telling you that you or a member of your household no longer qualify for Medicaid due to changes in income or your household, you may be eligible to enroll in a health plan through HealthSource RI, but you must act fast.

You only have 60 days from the date listed in the Medicaid notice to enroll in HealthSource RI during your Special Enrollment Period. To avoid a gap in your health coverage, let us help you pick a new plan before your Medicaid coverage ends. We can also tell you if you qualify for financial help to lower your costs.

Call 1-855-840-4774 to speak to an enrollment specialist or find a certified enroller in your area.

Not eligible for Medicaid or HealthSource RI?

If you are uninsured and are not eligible for Medicaid or coverage through HealthSource RI, you may qualify for health services through The Rhode Island Free Clinic or Clínica Esperanza.

You might also qualify for free or “charity care” from one of our local hospitals. To learn more, call or visit the financial services office at any hospital in Rhode Island, call the Department of Health at 401-222-5960, or read more about the program.

Find a Medicaid Provider

Now that you are enrolled in Medicaid, use EOHHS’s Provider Search to find doctors or other health care professionals who are designated as Medicaid Providers. PLEASE NOTE: this provider search does not guarantee that the Medicaid provider is currently accepting new patients. If you are enrolled in a health plan, please contact your health plan’s Member Services department for participating providers.

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The post Medicaid first appeared on HealthSource RI.

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