Rhode Island Attorney General Peter Neronha is warning residents shopping for health coverage to check whether a low-cost product is insurance and what medical bills it would actually pay.
The Oct. 20 consumer alert focuses on limited-benefit products and arrangements such as health care sharing ministries, discount plans and risk-sharing plans. Some are not insurance and do not guarantee payment of a member's medical bills.
The distinction matters when a low monthly price comes with exclusions, payment caps or services that are not covered. A discount on a provider's charge is different from an insurer paying a covered claim.
The attorney general's office recommends checking the product and seller with the state Department of Business Regulation and reviewing written benefits, limits and exclusions. A limited-benefit product should not be assumed to provide the same protection as comprehensive health insurance.
The office also warns against giving banking, Social Security or health information in response to unsolicited calls selling coverage.
Open enrollment through HealthSource RI runs from Nov. 1, 2026, through Jan. 31, 2027. The exchange's customer service number is 855-840-4774.
People with concerns about a health coverage product can contact the attorney general's health care office at healthcare@riag.ri.gov. The Rhode Island Parent Information Network also provides help at 401-270-0101.
Sources: Attorney general's consumer alert and assistance contacts.