Medicare Advantage plans in Rhode Island for 2027
One short list for the whole state: the same handful of plans from Woonsocket to Westerly, written by three companies.
Kent, Rhode Island: plans open to everyone on Parts A and B
13 plans
4 with a $0 premium and drug coverage · out-of-pocket limits $5,000 to $7,150 · best rating 4.5★ · 1 plan IDs of 2026 not renewed here
13 plans shown · monthly premium = Part C + Part D, before your Part B premium · stars: 2027 ratings published October 8, 2026
| Plan | Premium | Drug deductible | Max out of pocket | Stars |
|---|---|---|---|---|
| BlueCHiP for Medicare Core (HMO)Blue Cross & Blue Shield of Rhode Island · HMO · H4152-004-0 | $0 | no drugs | $5,000 | 3.5★ |
| AARP Medicare Advantage Patriot No Rx RI-MA01 (HMO-POS)UnitedHealthcare · HMO-POS · H5253-149-0 | $0 | no drugs | $6,200 | 3.5★ |
| AARP Medicare Advantage from UHC RI-0002 (HMO-POS)UnitedHealthcare · HMO-POS · H5253-150-0 | $0 | $685 | $6,300 | 4.0★ |
| BlueCHiP for Medicare Essential (HMO-POS)Blue Cross & Blue Shield of Rhode Island · HMO-POS · H4152-023-0 | $0 | $500 | $6,750 | 3.5★ |
| Aetna Medicare Prime Care (HMO-POS)Aetna Medicare · HMO-POS · H5793-019-0 | $0 | $400 | $6,900 | 3.0★ |
| Aetna Medicare Eagle Giveback (PPO)Aetna Medicare · PPO · H5521-296-0 | $0 | no drugs | $7,150 | 4.5★ |
| Aetna Medicare Signature (PPO)Aetna Medicare · PPO · H5521-375-0 | $0 | $700 | $7,150 | 4.0★ |
| AARP Medicare Advantage from UHC RI-0003 (PPO)UnitedHealthcare · PPO · H8768-046-0 · was $0 in 2026 | $27 | $685 | $7,150 | 4.0★ |
| BlueCHiP for Medicare Access (HMO-POS)Blue Cross & Blue Shield of Rhode Island · HMO-POS · H4152-022-0 · was $27.30 in 2026 | $31.30 | $700 | $6,000 | 3.5★ |
| BlueCHiP for Medicare Enhanced (HMO-POS)Blue Cross & Blue Shield of Rhode Island · HMO-POS · H4152-013-0 · was $35 in 2026 | $39 | $500 | $6,750 | 3.5★ |
| AARP Medicare Advantage from UHC RI-0001 (HMO-POS)UnitedHealthcare · HMO-POS · H5253-148-0 · was $35 in 2026 | $48 | $595 | $5,400 | 4.0★ |
| Aetna Medicare Enhanced (PPO)Aetna Medicare · PPO · H5521-449-0 · was $26.20 in 2026 | $54 | $700 | $7,150 | 4.0★ |
| BlueCHiP for Medicare Extra (HMO-POS)Blue Cross & Blue Shield of Rhode Island · HMO-POS · H4152-018-0 · was $143 in 2026 | $159 | $450 | $6,000 | 3.5★ |
Compiled by Radif Partners from the CMS landscape file of September 2026 · How the data is read
Rhode Island has one of the easiest Medicare Advantage markets to read for 2027. 13 plans are open to anyone with Parts A and B, and nearly all of them are sold statewide: Providence and Kent counties have 13, Bristol, Newport and Washington 12. Three parent companies file them, the local Blue Cross plan with 5, CVS Health (Aetna) and UnitedHealth with 4 each. 4 drug-covering plans charge no premium. In-network caps sit in a tight band from $5,000 to $7,150, around a median of $6,750. 6 plans rate four stars or more, the best 4.5. The 9 special needs plans include 7 for people who also have Medicaid. Stand-alone drug plans cost more here than in most states, from $13.30 to $284.70 a month; all 10 are listed below.
A state-sized service area
Because insurers usually file Rhode Island as a single block, the county you live in barely changes the menu. That makes comparison easy and switching between towns painless, but it also means that if a plan's network does not suit you, there is no richer county next door to look at. The question is less which plans you can buy than which hospital groups each one contracts with in the Providence area and on Aquidneck Island.
BlueCHiP and the national pair
BlueCHiP for Medicare Core (HMO), from Blue Cross & Blue Shield of Rhode Island, holds the lowest cap at $5,000 and a $0 premium. Aetna Medicare Eagle Giveback (PPO) has the top rating, 4.5 stars, with a $7,150 cap; its name signals a Part B giveback, money returned toward the Part B premium. 9 of the open plans are HMOs and 4 PPOs. Rhode Island had 14 open plans in 2026, 1 fewer plans.
Plans reserved for Medicaid members and nursing-home residents
Next to the 13 open plans, Rhode Island has 9 special needs plans: 7 for people enrolled in both Medicare and Medicaid, 1 for a chronic condition and 1 for nursing-home residents. A person who qualifies for a D-SNP can still pick an open plan instead; the D-SNP's advantage is that it coordinates both programs' benefits in one plan.
Drug plans: pricier in Rhode Island
The cheapest stand-alone drug plan here costs $13.30 a month and the median $114.75, both high next to most of the country. 1 of the 10 has no deductible. Every Part D plan follows the 2027 rules: a deductible of up to $700 against $615 in 2026, and a yearly cap on covered drug costs of $2,400 against $2,100 (CMS 2027 Rate Announcement). The calculator compares one drug bill under both years.
Same drugs, 2026 rules against 2027 rules
Change for 2027
+$300
| 2026 ($615 / $2,100) | $2,100 |
| 2027 ($700 / $2,400) | $2,400 |
Every county of Rhode Island, 2027
| County | Plans open to all | $0 with drugs | Lowest max out of pocket | Rated 4★ or more | vs 2026 |
|---|---|---|---|---|---|
| Bristol | 12 | 3 | $5,000 | 6 | -1 |
| Kent | 13 | 4 | $5,000 | 6 | -1 |
| Newport | 12 | 3 | $5,000 | 6 | -1 |
| Providence | 13 | 4 | $5,000 | 6 | -1 |
| Washington | 12 | 3 | $5,000 | 6 | -1 |
Stand-alone Part D plans in Rhode Island
| Plan | Monthly premium | With full Extra Help | Deductible | 2026 premium | 2027 Part D stars |
|---|---|---|---|---|---|
| Wellcare Value Script (PDP)Wellcare · S4802-137-0 | $13.30 | $13.30 | $700 | $16.40 | 3.0 |
| Wellcare Classic (PDP)Wellcare · S4802-076-0 · Extra Help benchmark | $21.30 | $0 | $700 | $21.70 | 3.0 |
| Blue MedicareRx Value Plus (PDP)Blue MedicareRx · S2893-001-0 · Extra Help benchmark | $25.50 | $0 | $700 | $20.70 | 3.0 |
| Humana Basic Rx Plan (PDP)Humana · S5884-102-0 · Extra Help benchmark | $26.10 | $0 | $700 | $8.40 | 4.5 |
| Humana Value Rx Plan (PDP)Humana · S5884-182-0 | $107.30 | $73.50 | $687 | $73.60 | 4.5 |
| AARP Medicare Rx Saver from UHC (PDP)UnitedHealthcare · S5921-348-0 | $122.20 | $88.40 | $700 | $38.70 | 3.0 |
| Humana Premier Rx Plan (PDP)Humana · S5884-149-0 | $146.30 | $112.50 | $350 | $138.60 | 4.5 |
| HealthSpring Assurance Rx (PDP)Blue Cross and Blue Shield of IL, NM, OK, TX · S5715-023-0 | $158.60 | $124.80 | $700 | new | 2.5 |
| AARP Medicare Rx Preferred from UHC (PDP)UnitedHealthcare · S5921-385-0 | $239.80 | $206 | $300 | $155.10 | 3.0 |
| Blue MedicareRx Premier (PDP)Blue MedicareRx · S2893-003-0 | $284.70 | $250.90 | $0 | $238.60 | 3.0 |