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2024

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Best Health Insurance Agencies in Rhode Island

Our Recommended Top 11

We did the research for you!

  • Licensing
  • User Reviews
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Our goal is to connect people with the best local professionals. We scored Rhode Island Health Insurance Agencies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

19931Reviewed

11963Curated

11Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Rhode Island

Expertise.com Rating

Review Sources

Google
5.0 (8)

Why choose this provider?

Howard Russell Insurance was founded in 1956 to provide health insurance products that protect Rhode Island individuals from unexpected medical costs due to illnesses and injuries while keeping them financially secure. It connects clients with coverages from various providers, including Liberty Mutual, Foremost, Narragansett Bay Insurance Company, Selective, and Progressive. In addition to health insurance, this family-owned agency delivers insurance packages for vehicles, renters, landlords, and homeowners. It also has plans for businesses and commercial properties.

  • Life Insurance
  • Individual Health Insurance

Rhode Island

Expertise.com Rating

Review Sources

Google
5.0 (15)
Facebook
5.0 (15)

Why choose this provider?

Independent Benefit Solutions, LLC, serves clients in Rhode Island who are seeking health insurance coverage. The team offers individual, health savings account, group, and critical illness insurance programs to guard beneficiaries when the need for treatment arises. Life assurance plans are also available. In addition, the agency has solutions for individuals who are saving for retirement. Its financial services representative, Nicholas H. Pacheco, has a Certified Long-Term Care designation. He is a member of various organizations, including Rhode Island Estate Planning Council and the Northern RI Chamber of Commerce.

  • Individual Plans

Rhode Island

Expertise.com Rating

Review Sources

Google
5.0 (1)

Why choose this provider?

Shove Insurance Inc. is an independent agency that has been serving personal and business clients in Rhode Island since 1859. It offers health insurance options for small business owners looking to provide employee benefits. It also assists with risk management plans for automobiles, life, jewelry, and homes. Additionally, it has options for flood and marine insurance. Shove Insurance has access to over 35 insurance carriers and is able to develop personalized policies suited for each client.

  • Group Plans
  • Individual Plans

Rhode Island

Why choose this provider?

Sangster Insurance, LLC provides solutions to the needs of customers in Rhode Island. It offers health insurance products to small businesses, helping business owners understand their options from several carriers. It also provides various Medicare coverage, including Medicare Supplement, Medicare Advantage, and Prescription Drug plans. The agency is owned and operated by Tom Sangster and Jamie Orsi. Sangster has more than 30 years of industry experience, and Orsi previously worked as a physical therapist for seven years before focusing on educating clients on healthcare.

  • Group Plans
  • Individual Plans

Rhode Island

Expertise.com Rating

Review Sources

Google
5.0 (1)

Why choose this provider?

Advanced Planning Associates, Inc., serves the locals of Rhode Island and the surrounding communities. The Warren-based business offers Medicare Parts A, B, C, and D. It also hosts group presentations that explain each part and the help it provides to clients who are unsure. Some of the coverage includes annual health screenings, prescription drugs, and a comprehensive network of doctors and specialists in the area. Steve Jennings, the president and founder, has over 35 years of experience in the financial industry.

  • Medicare Supplement Insurance

Rhode Island

Expertise.com Rating

Review Sources

Google
5.0 (8)

Why choose this provider?

Embrace Benefits serves families, individuals, and business owners in and around Rhode Island. The office provides a variety of health insurance options, including group health and Medicare Supplement, Medicare Advantage, and Medicare Part D prescription plans. As an independent insurance company, Embrace Benefits collaborates with multiple carriers, including BlueCross BlueShield, Altus Dental Insurance Company, Inc., and GeoBlue Travel Medical and International Health Insurance, to shop rates and personalized insurance packages. It is also licensed to accommodate policy buyers in Florida and New Jersey.

  • Life Insurance

Rhode Island

Expertise.com Rating

Review Sources

Google
5.0 (1)

Why choose this provider?

Melanie Flamand Insurance Sales is an independent agency in Rhode Island that offers life and health plans. The agency is headed by Melanie Flamand, an insurance agent with over 36 years of industry experience. Flamand writes individual, family, and group health plans that cover medical-related expenses, hospitalizations, and surgical expenses. In addition, she offers short-term health plans tailored to clients in-between jobs, out of work, and not eligible for their parent's policies. Flamand is also licensed to practice in Massachusetts, New York, Florida, and Connecticut.

  • Group Plans
  • Individual Plans

Rhode Island

Expertise.com Rating

Review Sources

Facebook
5.0 (41)
Google
4.6 (28)

Why choose this provider?

World Insurance Associates, LLC - Providence has been serving individuals, families, and businesses in Rhode Island and neighboring communities since 2011. It offers health insurance policies to protect people from suffering financial hardships in times of illnesses or accidents. It also provides auto, condo, disability, personal umbrella, workers' compensation, and liquor liability coverages. Additionally, the company's team members assist clients with business, estate, and retirement planning. CEO Rich Eknoian carries more than 30 years of experience in the insurance industry.

  • Individual Plans

Rhode Island

Expertise.com Rating

Why choose this provider?

Crowe Choice is an independent insurance agency that serves clients in Rhode Island. It provides health insurance solutions, which include Medicare Advantage, Medicare Supplement, and Medicare Part D insurance plans. Its team offers long-term care, income retirement, and disability insurance programs. It represents various insurance carriers, such as Aetna, Allianz, Foresters, and UnitedHealthcare. Term, whole, and universal life insurance policies are available. The company also responds to the insurance needs of clients in Massachusetts, New York, and Connecticut.

Rhode Island

Expertise.com Rating

Review Sources

Google
5.0 (69)
Facebook
5.0 (7)

Why choose this provider?

Lathrop Insurance is an independent family-owned agency offering insurance protection for Rhode Island residents. Its team of agents offers health insurance to cover the cost of unanticipated medical expenses that might affect finances. It assists with choosing from a variety of health insurance policies, such as HMO plans, surgical policies, major medical benefits, and hospital indemnity. Auto, boating, classic car, motorcycle, and renters' insurance plans are also available. Lathrop Insurance has been in operation since 1938.

  • Group Plans

Rhode Island

Expertise.com Rating

Review Sources

Facebook
5.0 (6)
Google
5.0 (2)

Why choose this provider?

Smyth Business Solutions is an independent brokerage firm delivering group health insurance products for employers in Rhode Island. Representing different health insurance carriers, the firm designs employee benefits programs that include features like savings account, flexible spending, and reimbursement arrangements. In addition, it provides voluntary employee insurance plans with protection for disability, critical illness, and hospital indemnity. Principal Brian Smyth is a registered nurse and former army medic who began his career in the industry in 2002.

  • Group Plans
  • Individual Plans

Compare our Top Health Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
Howard Russell Insurance
700 Main Street, Rhode Island, RI 02818
Independent Benefit Solutions, LLC
2050 Mineral Spring Ave., Rhode Island, RI 02911
Shove Insurance Inc.
1401 Newport Ave, Rhode Island, RI 02861
Sangster Insurance, LLC
70 Romano Vineyard Way, Suite 153, Rhode Island, RI 02852
Advanced Planning Associates, Inc.
10 Child Street, Rhode Island, RI 02885
Embrace Benefits
300 High Point Ave 2nd Floor, Rhode Island, RI 02871
Melanie Flamand Insurance Sales
55 Jefferson Boulevard, Rhode Island, RI 02888
World Insurance Associates, LLC - Providence
477 Elmwood Avenue, Rhode Island, RI 02907
Crowe Choice
45 Reservoir Road, Rhode Island, RI 02816
Lathrop Insurance
33 Crestview Dr, Rhode Island, RI 02891
Smyth Business Solutions
1665 Hartford Ave., Rhode Island, RI 02919

FAQs

  • Introduction

    If you're looking for health insurance for yourself or your family, an agent can help you save time, understand your options, and manage your costs. Insurance agents must be licensed in the state where they operate. They can provide information about on- and off-exchange plans to help you weigh all of your options, and they can see if you qualify for tax credits that can lower your monthly premiums. There's no cost to work with an agent, and they can help you save quite a bit by recommending the best plan for your needs. Here's what you should know before you get started.

  • How can you find affordable health insurance? 

    Affordable insurance is available through employers, Medicare, Medicaid, and the federal Health Insurance Marketplace, which offers subsidies in the form of tax credits. You can also purchase coverage through private insurance companies and independent agents. Nearly half of all Americans have employer-sponsored health insurance, and about 10% of the population is uninsured.

  • What is health insurance?

    Health insurance policies are contracts that require an insurer to pay some or all of a beneficiary's health care expenses in exchange for a premium and deductible. Plans cover preventive care and emergency medical services arising from an injury or illness. They may also offer optional coverage for dental and vision.

  • How do health insurance companies make money?

    Health insurance companies make money by collecting premiums from consumers and reinvesting the funds. Federal law requires insurers to put approximately 80-85% of collected funds toward claims, and 15-20% is used to pay for administrative expenses.

  • What is subsidized health insurance?

    Subsidized health insurance is available exclusively through the Health Insurance Marketplace. This system applies federal tax credits that can reduce or eliminate premiums. Tax credits are available to consumers who earn up to 400% of the federal poverty level based on household size.

  • What is a health insurance deductible? 

    A deductible is a fixed amount you must pay out-of-pocket before normal copays or coinsurance rates apply. Under the Affordable Care Act, some services, such as annual physicals and wellness screenings, must be covered at no charge.

  • Is it illegal to not have health insurance?

    No. Starting in 2019, the federal government eliminated the penalty that applied to individuals who could afford health insurance but chose not to purchase it. Financial penalties still apply in California, Massachusetts, New Jersey, Rhode Island, Vermont, and Washington, D.C.