Delaware Health Insurance

As a resident of Delaware, you have plenty of Delaware health insurance options to choose from. There are multiple insurance companies in Delaware that provide a range of plans for a variety of health needs.

Here you'll be able to get helpful information for finding health insurance in Delaware. See some of the state's top health insurance companies and read about the important Delaware health insurance laws and regulations you should be aware of as you look for your plan. You can also find information about financial assistance and public Delaware health insurance programs.

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If you would like to get free quotes and compare Delaware health insurance plans now, start with our simple form on the left.

Resources on this page

Health Insurance Laws and Regulations in Delaware

Public Health Insurance Programs for Delaware Residents

Delaware Health Insurance High Risk Pools

Delaware Health Insurance Companies

Contact Info for the Delaware Department of Insurance and Health and Social Services

Delaware Health Insurance Laws and Regulations

Under Delaware health insurance law, all health plans are guaranteed renewable. That means no Delaware health insurance company can cancel coverage because the policyholder became sick or was injured.

If a Delaware resident is looking for an individual health plan after being covered by an employer's group plan, they also may be protected under the federal laws HIPAA and COBRA.

HIPAA ensures a new individual plan will not impose coverage waiting or exclusion periods for pre-existing health conditions. COBRA guarantees an employee the right to continue their current group coverage for a limited period of time after they leave their employer's plan.

Individual Delaware health insurance plans must cover certain medical service under the state's law. Those services are:

• Routine care for clinical trials for serious health conditions
• Cancer screening for breast, cervical, prostate, and colorectal cancer
• Continuity of care for pregnant women
• Care for certain diabetes treatments
• Vaccinations for children

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Delaware Public Health Insurance Programs

Various public Delaware health insurance programs provide coverage for low-income residents.

• Medicaid
  As a state- and federally-funded program, the Medicaid program in Delaware offers health insurance coverage for some low-income individuals, families, and children. To see eligibility requirements for Delaware Medicaid, click here.


• Delaware Healthy Children Program
  For low-income children and pregnant women who do not qualify for Medicaid, the Delaware Healthy Children Program offers low-cost health insurance. To learn more about this Delaware health insurance program, visit the program's website.


• Screening For Life
  Low-income women have access to free screening for breast and cervical cancer. If diagnosed with either cancer types, women can get full medical coverage through Medicaid. To learn more about the program, visit their website.


• Delaware Cancer Treatment Program
  Uninsured or underinsured residents who have been diagnosed with cancer may qualify for coverage for their cancer treatment. For more information on this program, click here.


• Delaware Medicare
  Seniors can get Delaware health insurance plans through Medicare Advantage, Medicare Supplement and Original Medicare.

Delaware trade workers and early retirees may also qualify for the Federal Health Coverage Tax Credit, which pays 65 percent of health insurance premiums. Learn more here.

For more information on the financial assistance programs for Delaware health insurance, visit the Delaware Division of Social Services online.

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Delaware Health Insurance High Risk Pools

The Patient Protection and Affordable Care Act set up high risk pools for individuals who have pre-existing conditions and need health insurance.

The Pre-Existing Condition Insurance Plan (PCIP) in Delaware will provide enrollees health insurance with monthly premiums and out-of-pockets costs similar to regular Delaware health insurance plans.

Delaware residents with PCIP will pay around the same amount that people without pre-existing conditions pay for health insurance. The estimated monthly premiums for Delaware enrollees are $335 for ages 0 to 34; $402 for ages 35 to 44; $513 for ages 45 to 54; and $714 for people ages 55 and older. With the Delaware health insurance program, there will be a $2,500 deductible for covered services and an out-of-pocket limit set at $5,950 a year.

Enrollees will have health insurance coverage for physician and hospital visits, prescription drug coverage, emergency services and more.

Individuals are eligible to enroll in Delaware PCIP if they are a United States citizen, have a pre-existing condition and have been without health insurance for six months.

For more information on the Delaware health insurance high risk pools visit http://www.healthcare.gov/index.html.

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The following list of companies offer health insurance plans in Delaware:

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Delaware Department of Insurance and Health and Social Services

Find the contact information for the Delaware health insurance and health and social services departments at:

Delaware Health and Social Services
1901 N. DuPont Highway
New Castle DE 19720
Phone: (302) 255-9040
http://www.dhss.delaware.gov/dhss/

Delaware Department of Insurance
841 Silver Lake Blvd.
Dover, DE 19904
Phone: (302) 674-7300
http://delawareinsurance.gov/

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