The landscape of health insurance in Delaware includes many avenues through which individuals and families may buy health care insurance plans. Residents without access to employer-sponsored coverage can shop for health care plans in the private marketplace and through the federal marketplace exchange. Those who are eligible may apply for public health plans such as Medicaid and CHIP.
HealthCare.org offers free health insurance quotes for Obamacare individual insurance plans, and also provides access to short term health insurance, small employer health plans and Medicaid information.
Delaware and the Affordable Care Act
When the Affordable Care Act took effect and required most Americans to buy health insurance coverage, Delaware elected to send residents to the federal marketplace instead of maintaining its own state exchange. When residents enroll in ACA-compliant health plans sold through the health insurance exchange, they can apply for income-based financial assistance that helps lower their monthly health insurance premiums and out-of-pocket expenses for healthcare.
Only marketplace plans are eligible for income-based premium tax credits and cost-sharing subsidies. Individuals and families can find both marketplace, on-exchange plans and private, off-exchange plans at HealthCare.org. For those who qualify for financial assistance, HealthCare.org will connect them to the right exchange to complete their enrollment.
The Small Business Health Options Program (SHOP) provides a way for employers with 50 or fewer full-time employees to offer healthcare benefits that meet federal health insurance standards.
Medicaid expansion in Delaware
Delaware is one of many states to have expanded Medicaid to single, low-income adults since Obamacare took effect. Residents that want to apply for Medicaid must meet certain eligibility criteria set by the state.
Delaware Children’s Health Insurance Program (CHIP) provides low-cost health insurance for eligible children.
Get free quotes on Delaware health insurance plans from leading companies, and apply for health care coverage directly online.
With the decrease of the percentage of residents with Health Insurance coverage, the overall Health Rankings of this state have fallen slightly over the past few years. In 2014, the United Health Foundation ranked Delaware as the 35th state in the nation when it comes to health. Being below the national average, it is obvious that there are some obstacles to work on to ensure that health in Delaware’s residents improves.
This state needs to work on their preventive health measures as well as they need to work on their Health Care assistance. It’s not that it’s extremely difficult to get (or retain, for that matter) Health Insurance in Delaware, but it’s more of a matter of getting good Health Insurance plans, and good health care.
One of Delaware’s biggest challenges is to decrease risks and factors that could lead to its Health System to become innefective. Preventive health measures and efficient Health Care need to be reinforced in this state so its Health status can improve.
Delaware Health and Social Services
1901 N. DuPont Highway
New Castle DE 19720
Phone: (302) 255-9040
Delaware Department of Insurance
841 Silver Lake Blvd.
Dover, DE 19904
Phone: (302) 674-7300