Rhode Island · 2026 plan year

Medicare Advantage plans in Rhode Island

Rhode Island has 23 Medicare Advantage plans from 4 carriers, averaging 3.97 out of 5 stars across the 18 plans CMS has rated. The first real decision is HMO or PPO — how far you can go outside the plan’s network, and what that freedom costs.

23
Medicare Advantage plans
4
Carriers
5
Counties covered
4.0
Avg stars (18 of 23 rated)
A $0 plan premium is not a free plan. You still pay your Part B premium to Medicare, plus copays and coinsurance as you use care. CMS publishes star ratings per contract, so plans a carrier files under one contract all share a rating.

41% of Rhode Island's HMO plans are Special Needs Plans.

7 of 17 plans here are SNPs — restricted to people who also have Medicaid, live in an institution, or have a qualifying chronic condition. If none of those apply to you the field is smaller than the headline count suggests, so filter them out before comparing.

By plan type

HMO and PPO in Rhode Island, compared

Plan typePlansCarriersAvg starsAvg out-of-pocket max
HMO1743.92$6,474
PPO624.10Not published
Also available

Other Medicare coverage

Every figure on this page covers HMO and PPO plans. A small number of PFFS and Cost plans are sold in some states and are not included above — there are too few nationally (71 across 17 states) to compare meaningfully. Standalone Part D drug plans and PACE programmes are different products entirely and are not Medicare Advantage; you can find any available on the full Rhode Island plan list.

Other states

Compare another state

All 51states → · Medicare Advantage vs Original Medicare

Stars are one signal.
Your care is the rest.

Simplivera scores every Rhode Island plan against how much care you actually expect to use.

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