Affordable Delaware Health Insurance Plans

In Delaware, you can choose from several health insurance options, including individual and family health insurance plans, short-term health insurance, Medicaid, and Medicare. Plans are available through HealthCare.gov, private exchanges like the AHiX Marketplace, and directly from insurance companies. These plans can include Affordable Care Act (ACA)-compliant options, offering essential health benefits such as maternity care, mental health coverage, and prescription drugs.

Medicaid in Delaware is available to individuals and families with low income. Under the Medicaid Expansion, adults under 65 years old earning up to 138% of the federal poverty level ($20,120 for individuals or $42,338 for a family of 5 in 2020) may qualify. Children, pregnant women, and people with disabilities also have access to Medicaid programs tailored to their needs.

In Delaware, short-term health insurance plans are now limited to a maximum of three months and cannot be renewed. These plans provide temporary coverage for unexpected medical needs but do not include benefits like maternity care, mental health services, or pre-existing conditions. They are ideal for people between jobs or waiting for other coverage to begin.

You can enroll in a Delaware health insurance plan through HealthCare.gov, private exchanges like AHiX Marketplace, directly from insurance companies, or your employer. Open Enrollment usually takes place once a year, but you may qualify for a Special Enrollment Period if you experience a life event like marriage, the birth of a child, or job loss.

The cost of health insurance in Delaware depends on factors like your age, location, and type of coverage. On average, individual health insurance plans range from $400 to $600 per month. Subsidies are available through the federal marketplace for people earning up to 400% of the federal poverty level, making coverage more affordable for many residents.

Qualified health plans in Delaware must meet the Affordable Care Act (ACA) standards. These plans cover the ten Essential Health Benefits, including maternity care, mental health services, prescription drugs, and preventive care. They also cannot deny coverage based on pre-existing conditions or charge higher rates due to gender or health history.

Yes, families with low income can qualify for Delaware Medicaid. It covers children under the CHIP program, pregnant women, and parents who meet income requirements. Medicaid provides comprehensive benefits like doctor visits, hospital stays, and prescription medications to ensure families receive the care they need.

Delaware offers small business health insurance plans for employers through the Small Business Health Options Program (SHOP) or private exchanges like AHiX Marketplace. These plans can help businesses provide affordable coverage to their employees while meeting healthcare requirements under federal law.

Private health insurance in Delaware is offered by companies and can be purchased directly or through marketplaces like AHiX. These plans offer flexibility and additional coverage options. Government health insurance includes Medicaid and Medicare, which provide coverage based on income, age, or disability and are often more affordable but come with stricter eligibility requirements.

Enrolling in a plan through the Delaware health insurance marketplace, such as HealthCare.gov, allows you to access ACA-compliant coverage with benefits like subsidies to lower premiums, essential health benefits, and protection against high out-of-pocket costs. The marketplace makes it easy to compare plans and find the one that best fits your budget and healthcare needs.