ICHRA savings in Rhode Island
5 Rhode Island counties price individual coverage below small group. Employers there save up to $689 per employee per year.
Last updated: August 16, 2026 · plan-year 2026, lowest-cost silver (age 50), same year both markets.
Top Rhode Island counties by savings
Monthly benchmark premiums: individual vs small group, 2026 plan year.
| County | Individual /mo | Small group /mo | You save | Annual / employee |
|---|---|---|---|---|
| Bristol County | $578 | $636 | 9% | $689 |
| Kent County | $578 | $636 | 9% | $689 |
| Newport County | $578 | $636 | 9% | $689 |
| Providence County | $578 | $636 | 9% | $689 |
| Washington County | $578 | $636 | 9% | $689 |
The Rhode Island picture
Small state, modest but real spread: all five of Rhode Island's counties qualify on 2026 silver-plan data, with Bristol County showing the widest estimated gap at about $57 per employee per month, roughly 9% below comparable small-group coverage. None of the five counties reaches the $200 mark, which places Rhode Island in the middle of the pack — a market where the ICHRA math is worth running rather than assumed in either direction. For 2027, insurers have filed a proposed average individual-market increase of 20.1%; that filing is pending review and sits outside every savings estimate on this page.
Rhode Island's compact geography works in an employer's favor here: because every county qualifies and the estimated gaps cluster in a similar range, a Providence firm and a Westerly firm are looking at broadly comparable economics. At the Bristol County figure, a 20-person company could see an estimated difference in the neighborhood of $13,700 a year — enough to matter for a small firm's budget, and the kind of number the county estimator can sharpen for your exact location and headcount.
Rhode Island ICHRA FAQs
How much can employers save with an ICHRA in Rhode Island?
Across 5 qualifying Rhode Island counties, the 2026 gap between small-group and individual silver coverage averages 9% — up to $689 per employee per year in the strongest county. Figures are plan-year-2026 estimates (lowest-cost silver, age 50, same year both markets), not quotes.
Which Rhode Island county has the biggest ICHRA savings?
Bristol County currently shows the widest 2026 spread in Rhode Island: individual $578/mo vs small group $636/mo — about 9% ($689/employee/year, estimated).
Does every Rhode Island county qualify for ICHRA savings?
No. Only counties where the individual market prices below small group make the list — 5 in Rhode Island for plan year 2026. In other counties a savings-driven ICHRA usually is not the right move, and an analysis will say so.
Where does this Rhode Island data come from?
Individual-market premiums come from the CMS Marketplace Public Use Files and small-group benchmarks from Ideon — lowest-cost silver plan, age 50, same county and same plan year (2026) on both sides.
Is an ICHRA worth it for a Rhode Island business when the estimated gap is under $100 per month?
It depends on what you are solving for. At Bristol County's estimated $57 per employee per month on 2026 data, a savings-driven case exists but is modest — roughly $680 a year per employee before plan choices and workforce details are factored in. Rhode Island employers who adopt an ICHRA at these margins usually pair the savings with other goals: capping benefits spend at a fixed dollar amount, exiting annual group renewals, or covering employees who commute from Connecticut or Massachusetts under one design. The estimates are just that — estimates — so the county-level calculator is the right next step.
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