Rhode Island healthcare coverage shouldn't send you into a panic. Sole proprietor business owners and the self-employed can choose from several Rhode Island health insurance plans. Rhode Island medical insurance policies usually provide HMO and PPO options as well. HMOs often limit access to specialty doctors, while you select from network doctors in PPOs. You can also choose a high-deductible health plan (HDHP) with health savings accounts (HSA). The HSA accounts allow you to save money pre-tax that can be used for your health expenses. The HDHP deductible is typically $1,000 or more, but often preventive care requires only a co-pay even before the deductible is met.

Weigh the coverage of policies for health insurance in Rhode Island with the costs. Determine which coverage is most important to you; then compare levels of maternity leave, prescription drug costs and mental health benefits for Rhode Island health insurance policy coverage. To find the best Rhode Island individual health insurance providers, consider these:

1. Check self-employed medical insurance Rhode Island availability from the big insurers.

2. Find a local agent for the best-priced individual Rhode Island medical coverage plans.

3. Compare Rhode Island medical insurance companies to ensure your plan has good reviews.

Action Steps
The best contacts and resources to help you get it done

Get a Rhode Island health insurance quote that is the best value

Individuals who are self-employed or sole proprietors are not guaranteed Rhode Island health insurance coverage. You can check out the big insurers to determine your options for Rhode Island health insurance for self-employed. Make sure you understand your needs. Decide, for example, if maternity coverage or good prescription drug coverage is important to you.

I recommend: Contact Blue Cross Blue Shield if you're self-employed. The company also provides HDHP options. Or enter your zip code at Aetna for individual medical insurance. If you were in the military, TRICARE may be your best option for health insurance.

Get quotes on Rhode Island medical coverage from a local agent

Choose the best Rhode Island medical insurance for your needs. Some people need only catastrophic medical insurance in Rhode Island because they are rarely sick. This saves money on the premium if you choose the highest deductibles. Or select a lower deductible if you go to the doctor often. Also make sure your favorite doctors are covered by the Rhode Island healthcare insurance provider you select.

I recommend: Find an agent in your area through the National Association of Health Underwriters to get a quote. William L. Goodrich Insurance Agency serves Rhode Island has medical insurance as well as other coverage needed by a small business owner.

Find health insurance in Rhode Island that is reliable

Searching for medical insurance in RI can be confusing. You want to get the best deal but also want to ensure the company is reputable. You can choose the big health care insurance companies, and you can also compare performance of the health insurers in your state.

I recommend: Download the most recent state report on insurance companies in Rhode Island. Or for another great option for health insurance, check out HealthPact for reduced insurance rates if you make a pledge to maintain five healthy habits.

Tips & Tactics

Helpful advice for making the most of this Guide

• •  Consider going back to school and getting Rhode Island health insurance. Often policies cost much less because of the large number of students. At the same time, you can start working on your MBA or other degree that will help build your business.