Rhode Island operates its own state-based marketplace, HealthSource RI, rather than using HealthCare.gov. Residents shop for plans and apply for subsidies directly through the state exchange.
Rhode Island expanded Medicaid under the ACA, so adults earning up to 138% of the federal poverty level generally qualify for coverage through the state's Medicaid program instead of needing a subsidized marketplace plan.
Because Rhode Island is geographically small, most residents have reasonably similar plan options regardless of where in the state they live, unlike larger states with big rural-urban network gaps. It's still worth comparing deductibles and copays closely between plans, since cost-sharing structures can vary even when network access is similar.