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Rhode Island · 2026 plan year

Medicare Advantage HMO plans in Rhode Island

There are 17 Medicare Advantage HMO plans in Rhode Island from 4 carriers, averaging 3.92 out of 5 stars across the 13 plans CMS has rated. Nearly all charge no monthly plan premium, so what separates them is network, drug coverage and how much you could owe in a bad year.

17
HMO plans
4
Carriers
5
Counties covered
3.9
Avg stars (13 of 17 rated)
$6,474
Avg out-of-pocket max
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. Star ratings are published by CMS per contract, so every plan a carrier files under the same contract shares one rating — it describes the carrier’s performance, not this specific plan’s benefits. Estimate your real costs.

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.

4 of Rhode Island's HMO plans carry no star rating yet.

CMS rates a contract, not a plan, and does not rate one that is too new or has too little data — so 4 plans here shows no rating at all. Unrated is not the same as badly rated; it usually means a new contract, and those plans have to be judged on benefits and network instead.

Not sure whether Medicare Advantage suits you at all? Medicare Advantage vs Original Medicare covers the trade in plain language.

Highest rated

Top-rated HMO plans in Rhode Island

PlanStarsOut-of-pocket maxPremium / mo
AARP Medicare Advantage from UHC RI-0001 (HMO-POS)UnitedHealthcare4★$4,500$0
AARP Medicare Advantage from UHC RI-0002 (HMO-POS)UnitedHealthcare4★$4,900$0
AARP Medicare Advantage Patriot No Rx RI-MA01 (HMO-POS)UnitedHealthcare4★$4,900$0
UHC Complete Care RI-4 (HMO-POS C-SNP)UnitedHealthcare · Chronic or Disabling Condition SNP4★$4,900$0
BlueCHiP for Medicare Core (HMO)Blue Cross & Blue Shield of Rhode Island4★$5,000$0

Showing 5 of 17. See all Rhode IslandMedicare Advantage plans →

Who sells here

HMO plans by carrier

CarrierPlansAvg starsSNPs
UnitedHealthcareUnitedHealth Group, Inc.83.94
Blue Cross & Blue Shield of Rhode Island64.01
Neighborhood Health Plan of Rhode IslandNEIGHBORHOOD HEALTH PLAN OF RHODE ISLAND2—2
Aetna MedicareCVS Health Corporation13.5—
Other plan types in Rhode Island

How HMO compares

HMO
3.9★ avg · 4 carriers
17 plans · you are here
PPO
4.1★ avg · 2 carriers
6 plans

All Rhode IslandMedicare Advantage plans →

Nearby on quality

States with similar HMO star ratings

Utah
3.93★ average
22 HMO plans
Ohio
3.91★ average
151 HMO plans
Georgia
3.90★ average
96 HMO plans
Common questions

Rhode Island Medicare Advantage HMO plans, answered

How much do Medicare Advantage HMO plans cost in Rhode Island?
Of the Rhode Island HMO plans with a published premium, 94% charge $0 a month. A $0 premium does not mean the plan is free: you still pay your Part B premium to Medicare, plus copays and coinsurance as you use care. The number that actually caps a bad year is the in-network out-of-pocket maximum, which averages $6,474 across these plans.
What are the star ratings for Rhode Island HMO plans?
The 13 rated HMO plans in Rhode Island average 3.92 out of 5 stars, with 11 rating 4 or better. CMS rates a contract rather than an individual plan, so every plan a carrier files under the same contract shares one score. A contract that is too new or has too little data is not rated at all, which is different from rating badly.
How many Medicare Advantage HMO plans are available in Rhode Island?
There are 17 HMO plans from 4 carriers, sold across 5 counties. Availability is set by county, so the plans you can actually join depend on where you live — the full list is rarely available in any one place. 7 of them are Special Needs Plans with extra eligibility rules (see below).
Do Rhode Island HMO plans include prescription drug coverage?
17 of the 17 HMO plans here bundle Part D drug coverage into the plan. That is the usual arrangement for Medicare Advantage and there is no separate drug premium for it — the plan premium covers both. If you join a Medicare Advantage plan without drug coverage, you generally cannot add a standalone Part D plan alongside it.
What is a Special Needs Plan, and are there any in Rhode Island?
7 of the 17 HMO plans in Rhode Island are Special Needs Plans. SNPs limit enrollment to people who also have Medicaid, live in a nursing home or similar institution, or have a qualifying chronic condition. They often carry richer benefits for that group, but if you do not meet the criteria you cannot join one — so the real number of plans open to you may be lower than the total.

A $0 premium is not the whole cost.
See what a year really looks like.

Simplivera models your actual annual costs across Rhode Island Medicare Advantage plans.

Estimate my costs — it’s free →