Frequently Asked Questions
Straight answers about what this site is, what it isn't, and how the review process works.
Is Rhode Island Health Insurance Solutions an insurance company?
No. RIHIS is an education and advisory navigation resource. We don't sell or underwrite insurance — we help Rhode Island employers understand their options and connect with local advisors.
Is this an Association Health Plan?
No. RIHIS is not an Association Health Plan, pooled-risk program, or insurance product. Every option described on this site is evaluated individually for your group at quote time.
Who is actually behind this website?
Rhode Island Health Insurance Solutions is built and operated by Apex Benefits Partners, a Rhode Island and Massachusetts employee benefits brokerage. See Who's Behind This for the full story.
Will requesting a review cost anything or obligate me?
No. A Rhode Island Employer Health Insurance Review is free and no-obligation. It's a conversation, not a sales pitch.
Should I submit health information through the contact or review form?
No. Please do not submit protected health information (PHI) through any form on this website. Our forms are for general inquiry purposes only.
How is RIHIS different from just going to a carrier's website?
We're not tied to promoting a single carrier. Our goal is to lay out realistic options — fully insured, level-funded, small-group, and captive — side by side, with sourced context specific to Rhode Island's healthcare landscape and market conditions.
What size employer does this site serve?
Primarily small to mid-size Rhode Island employers, statewide, including nonprofits and seasonal employers. Larger employers may be a fit for options like InCap Captive (50–2,000 employees).
Are the rates and statistics on this site guaranteed?
No. Rates referenced (such as the 2027 requested rate changes) are OHIC-filed requests pending regulatory review and are not final. All statistics are sourced and cited; savings examples are anonymized and results vary by group.
Are the 2027 rate figures on this site final?
No. The 2027 rate figures cited on this site are increases that insurers requested from the Office of the Health Insurance Commissioner (OHIC) — they are not yet approved. OHIC's decision on the final, approved 2027 rates is expected in mid-September 2026. We will update this site once that decision is announced.
Still have questions?
Reach out directly, or request a review to talk with a local advisor.