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Rhode Island Health Insurance -  The Individual Market was destroyed in Rhode Island six years ago due state health insurance regulations incompatible with the health insurance industr. All carriers that used to offer individual insurance through insurance agencies to Rhode Islanders decided to leave the state.

Other than just a few very expensive plans offered by Rhode Island Blue Cross Blue Shield and available only directly through RIBCBS, There are NO COMPREHENSIVE INDIVIDUAL MAJOR MEDICAL PLANS AVAILABLE IN Rhode Island through insurance agents- and nothing that is reasonably priced as compared choices in other states with modern insurance legislation AND MANY MORE  CARRIERS. 

Therefore for Individuals and Families who do not qualify for assistance through RiTE CARE, we recommend Short-term Medical Insurance with John Alden/Assurant Health. See the comparison with Blue Cross:

Carrier John Alden
Short-term Medical		 RIBCBS

Renewable
Plans
A.M. Best Rating A- B+
National
Company		 Yes No
Full Hospitalization Yes Yes
Full Outpatient Yes Yes
Full Surgeries Yes Yes
Full Diagnostics Yes Yes
Prescriptions Yes Yes
Ambulance Yes Yes
$2 Million+ Lifetime Maximums Yes Yes
Office Visits Yes Yes
Self-refer to specialists Yes Yes
Pre-existing coverage available No Yes
Pre-natal and maternity No Yes
Annual Physical No Yes
Rates for 40 yr
Male		 $90 per month average cost per month after discounts for a $2500 deductible $177/mo preferred or $383 not preferred for a $3000 deductible
Covered in as little as 24 hours? Yes No
     

The disadvantages of short-term medical insurance outweigh the advantages BY FAR as you can see. Additionally when your short-term plan expires, you can simply purchase another. For questions concerning the best way to use short-term medical as an alternative to expensive renewable coverage in Rhode Island, please call Emily at 401-848-7708

Small Group Insurance and Self-employed Individuals

a Quotes for RI 1099 employees & Sole Proprietors


a   Quotes for small groups from 2-50 covered employees


a Quotes for Short-term Medical Insurance

ead more about short-term medical insurance.

Other Plans

Additionally there are discount programs and plans advertised on radio and on telephone poles to be "sensible affordable plans for the self employed "which we would urge you to avoid as they provide little protection for the price they charge and are often represented as being comparable to a comprehensive major medical plan - which they are not.