Who Are the Players
A side-by-side look at the regulator, the carriers, and the marketplace that shape Rhode Island's health insurance landscape.
OHIC — Office of the Health Insurance Commissioner
Rhode Island's state regulator for commercial health insurance. OHIC reviews and rules on the rates insurers request each year for individual, small group, and large group commercial coverage, and publishes its decisions publicly.
Source: ohic.ri.gov
Blue Cross & Blue Shield of Rhode Island (BCBSRI)
Rhode Island's largest, most broadly recognized fully insured carrier. BCBSRI filed rates in both the individual and large group markets for 2027.
Source: OHIC, June 2026 requested-rates press release
Neighborhood Health Plan of Rhode Island (NHPRI)
One of two insurers that filed 2027 individual-market rates in Rhode Island, alongside BCBSRI.
Source: OHIC, June 2026 requested-rates press release
UnitedHealthcare
A national carrier that filed 2027 large-group rates in Rhode Island. See our UnitedHealthcare page for how it compares as an option.
Source: OHIC, June 2026 requested-rates press release
Harvard Pilgrim Health Care of New England / HPHC Insurance Company
Filed 2027 large-group rates in Rhode Island as part of the five insurers participating in that market.
Source: OHIC, June 2026 requested-rates press release
Aetna & Cigna
Both filed 2027 large-group rates in Rhode Island, rounding out the five large-group carriers alongside BCBSRI, UnitedHealthcare, and Harvard Pilgrim/HPIC.
Source: OHIC, June 2026 requested-rates press release
HealthSource RI
Rhode Island's state-based ACA health insurance marketplace, where individuals and small businesses can shop and enroll in coverage, often with income-based federal subsidies.
Source: healthsourceri.com
Want the full rate picture?
See Rate Trends & Market Reality for exactly what each of these carriers filed for 2027, and how it compares to what OHIC approved for 2026.