How Much Does Health Insurance Cost in Providence, RI?
Providence pricing is 12% above the national average. Updated for 2026.
Based on local labor rates, varied climate conditions, and Providence's diversified economy.See our methodology
Health Insurance Pricing in Providence, RI
In Providence, health insurance costs are 12% above the national average, reflecting the city's diversified-driven economy. The balanced labor market means you have decent options when shopping for quotes. Most residents with a population base of 190K find the pricing competitive relative to the local cost of living.
Local climate plays a direct role in health insurance costs here. Cold winters and mild summers create seasonal pricing patterns for outdoor work.
Market-specific factors matter in Providence: established contractor market with competitive pricing.
Providence has moderate permitting requirements. Depending on the scope of your health insurance project, you may need local permits. A licensed contractor will handle the permitting process as part of the job in most cases.
Providence vs National Average
What Affects Health Insurance Cost in Providence?
Plan Tier
Bronze: $250-$400/mo. Silver: $350-$550/mo. Gold: $450-$700/mo. Platinum: $550-$800/mo
Age
26-year-old: $250-$400. 40-year-old: $350-$550. 60-year-old: $600-$1,000
Providence Market Conditions
established contractor market with competitive pricing
Local Climate Impact
cold winters and mild summers create seasonal pricing patterns for outdoor work
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Top-Rated Health Insurance Pros in Providence, RI
7 providersHeritage HVAC Solutions
🏆 SPONSOREDServing Providence and surrounding areas since 2011. Licensed, insured, and committed to quality workmanship at fair prices.
Patriot Roofing & Siding
⭐ PREMIUMServing Providence and surrounding areas since 2014. Licensed, insured, and committed to quality workmanship at fair prices.
Quality Electrical
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Tips to Save on Health Insurance in Providence
- 1.Check ACA marketplace for subsidies — most people qualify
- 2.Higher deductible plans have lower premiums if you're healthy
- 3.Compare plans during open enrollment
- 4.Use HSA-eligible plans to save pre-tax dollars
📈 Health Insurance in Providence Cost Trends (2020–2024)
Prices have increased +17.8% over the last 5 years
| Year | National Avg | YoY Change |
|---|---|---|
| 2020 | $428 | — |
| 2021 | $446 | +4.2% |
| 2022 | $475 | +6.5% |
| 2023 | $488 | +2.7% |
| 2024 | $504 | +3.3% |
Based on national averages adjusted for annual inflation. Actual costs vary by location and project scope.
💬 What Did You Pay?
Real costs reported by homeowners for Health Insurance in Providence
Recent Reports
Frequently Asked Questions
What's the cheapest health insurance?
Catastrophic plans are cheapest ($150-$250/mo) but only available to those under 30. Otherwise, Bronze plans are the most affordable.
Why does health insurance cost different in Providence than other cities?
Providence's costs reflect local labor rates driven by the diversified economy, varied climate conditions that affect materials and scheduling, and moderate permitting requirements. The balanced labor market also influences competitive pricing.
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