The state's health insurance exchange, Rhode Island Health Benefits Exchange, launched with three participating insurers, including the two largest commercial carriers in the state and its largest Medicaid managed care organization. The exchange, which now has two carriers, is unlikely to have a significant effect on the competitive landscape in the state and the commercial market is likely to remain consolidated. Meanwhile, Rhode Island's Medicare Advantage market has limited penetration, with four carriers, and competition is strong between Blue Cross & Blue Shield of Rhode Island and UnitedHealthcare of New England for Medicare beneficiaries.


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