Cheap Health Insurance Delaware

Be Prepared for the Future, We Help you Select Best Health Coverage

Best Health Insurance Plans Delaware

Looking for an affordable health insurance in Delaware that suits your lifestyle? You are at the right place.

Delaware health insurance plans are designed to help citizens to access low-cost, high-quality health coverage available through the Delaware Health Insurance Marketplace.

Top Health Insurance plan in Delaware

  • Highmark Blue Cross Blue Shield Delaware

    Major Events Blue EPO 8150 - 3 Free PCP Visits

    premium $247.43/mo

    Deductible $8150/yr

    Coinsurance6%
    Insurance Type EPO
    HSA Eligible No
  • Highmark Blue Cross Blue Shield Delaware

    Shared Cost Blue EPO Bronze 7900

    premium $304.84/mo

    Deductible $7900/yr

    Coinsurance7%
    Insurance Type EPO
    HSA Eligible No
  • Highmark Blue Cross Blue Shield Delaware

    Shared Cost Blue EPO Bronze 3900

    premium $317.42/mo

    Deductible $3900/yr

    Coinsurance8.6%
    Insurance Type EPO
    HSA Eligible No
  • Highmark Blue Cross Blue Shield Delaware

    Shared Cost Blue EPO Bronze 7800 - 1 Free PCP Visit

    premium $321.42/mo

    Deductible $7800/yr

    Coinsurance8.6%
    Insurance Type EPO
    HSA Eligible No
  • Highmark Blue Cross Blue Shield Delaware

    Health Savings Embedded Blue EPO Silver 3950 HSA

    premium $427.64/mo

    Deductible $3950/yr

    Coinsurance6.2%
    Insurance Type EPO
    HSA Eligible Yes

Health Insurance in Delaware: Quick Facts

  • Delaware’s marketplace is a combined initiative of partnership between the state and HHS.
  • The date of open enrollment for 2019 coverage in Delaware was ended on December 15. However, a Delaware resident can enroll for the coverage if has been passing through certain qualifying events.
  • Delaware health insurance marketplace offers limited Short-term health plans with initial plan terms up to three months.
  • It’s estimated that about 24,500 Delaware citizens enrolled in 2018 coverage through the Delaware exchange.
  • Delaware health insurance marketplace started offering ACA’s Medicaid expansion in 2014.
  • 21 percent of the state population has been availing Federal Government’s Medicare program.

Delaware’s Health Marketplace:

Delaware health insurance marketplace is known as Choose Health Delaware. The marketplace runs in the collaboration with federal government of the United States. Delaware health marketplace does offer health insurance plans under Affordable Care Act.

The state has low uninsured rate as the most population got covered under the Affordable Care Act took effect. As per the government stats, from 2013 to 2016, the state has seen incremental drop in uninsured population (from 9.1 percent to 5.7 percent).

Delaware Health ratings

In 2015, Delaware was ranked 15th in the nation for overall health. The ranking maintained the ranking in 2017. However, in 2019, it was dropped to 27th position. The ranking was given on the basis of several important parameters including Access, Prevention & Treatment, Avoidable Hospital Use & Costs, Healthy Lives, and Equity.

On June 15, 2015, HHS granted approval on conditions for Delaware’s plan to transition from a state-federal partnership exchange to a federally supported state-based marketplace.

Health Insurance Plans in Delaware

Health insurance in Delaware is a way for citizens to pay for their health care expenses when their lives are going through a transition phase. The coverage protects citizens from paying up the expensive cost of medical services when you’re in medical emergency. When you buy a Delaware health insurance plan, you pay a monthly insurance premium. In return, health coverage provider agrees to pay a portion of your medical costs incurred.

Short Term Health Insurance Plans

Short term health insurance plans in Delaware are underwritten and covered by Golden Rule Insurance Company. These plans offer flexible health insurance coverage solution to the beneficiaries when they need it the most. A short term health plan can offer you a range of short term benefits if you missed to apply for Affordable Care Act coverage.

You can also apply for short term health insurance if your ACA coverage is in waiting or if you’re discovering coverage plans to bridge Medicare benefits. There are multiple reasons why these plans are popular in the city:

  • Faster coverage
  • Choice of deductible amount
  • Ability to choose length of coverage
  • Drop coverage with no penalty
  • Extensive network of health care professionals and approximately 6,000 hospitals.
  • Lower premiums than with ACA programs

Dental Insurance Plans

In Delaware, Dental insurance plans offer beneficiaries coverage for common issues related dental health. These plans allow beneficiaries unrestricted access to the widest network of thousands of dentists and hospitals where dental care services are offered. Such plans are the best help for individuals, families and groups who are looking for budget to pay for dental services at all levels, preventive, basic and major.

Flexible and convenient Plans

There are many reasons out there why these dental insurance plans are popular I the state. The plan covers expenses on preventive care such as routine cleanings and fluoride treatments without deductibles and any stipulated period. In addition, the plan offers access to the dental network of more than 85,000 dental offices, in private and retail settings.

The plan is available to every citizen in the Delaware without any standard age restriction. Even some carriers offer the coverage to the Medicare beneficiaries or other older adults.

Vision Insurance

Like dental insurance, Vision insurance is another insurance plan available to the Delaware residents with excellent coverage benefits. The insurance is designed to offer beneficiaries budget to cover expenses for ongoing vision care like routine eye exams, prescription glasses and contact lenses.

In Delaware, vision insurance plans are underwritten by Golden Rule Insurance Company. The plans cover people of all the ages and without any waiting period at all. Some plans with individual insurance companies offer coverage for the expenses to be paid on eye exams, eyeglasses and ocular surgery etc.

FAQ on Delaware Health Insurance

As a resident of Delaware, you should be aware that your state has not passed its own health insurance requirements as of 2020. However, the Affordable Care Act requires everyone o have at least minimum essential coverage to protect themselves and their families at the time of medical emergencies. Technically the Affordable Care Act requires you to have health insurance and you still need to report your coverage status on your federal tax return, but you don’t have to pay penalty if you are not covered.

While shopping for health insurance plans in the marketplace in Delaware you will find plenty of health insurance options like ACA-compliant plans, short-term health plans, employer-sponsored plans, and government-funded plans like Medicare and Medicaid. The official website for the federal health insurance marketplace is Healthcare.gov and residents of the state can visit the site to see their plan options and to enroll in a health plan. It is observed that 8 out of 10 Delawareans who are eligible for coverage through the Marketplace qualify for at least some level of financial assistance that helps them pay their monthly premiums.

You may be aware that the Medicaid program in Delaware just like any other state offers medical assistance to eligible low-income families, and to eligible-aged, blind, or disabled people having a low income to meet the cost of necessary medical services. To qualify for the Medicaid program in Delaware, you must be a resident of the state, a U.S. national citizen, permanent resident having a very low income. Besides low-income individuals, even pregnant women, parents of a child 18 years of age or younger, blind, individual with a disability or a disabled family member, or individuals of age 65 years or older also qualify for the Medicaid program. To qualify for the Medicaid program you should have an annual household income below $16, 971 for a single member and income less than $22,930 for a two-member family.

After comparing different health plans available on the Delaware marketplace, the cheapest health plan in each metal-tier for a 40-year old individual in 2020 are:

In the Catastrophic category, the cheapest health plan is the Major Events Blue EPO 8150 plan having a monthly premium of $302.
In the Bronze category, the cheapest health plan is the Shared Cost Blue EPO Bronze 7900 plan having a monthly premium of $372.
In the expanded Bronze category, the cheapest health plan is the Shared Cost Blue EPO Bronze 3900 plan having a monthly premium of $387.
In the Silver category, the cheapest health plan is the Health Savings Embedded Blue EPO Silver 3950 HSA plan having a monthly premium of $521.
In the Gold category, the cheapest health plan is the Shared Cost Blue EPO Gold plan having a monthly premium of $531.
In the Platinum category, the cheapest health plan is the Shared Cost Blue EPO Platinum 200 plan having a monthly premium of $674.

While shopping for health insurance plans in Delaware, you should not only look at the cost aspects of the plan but also consider other cost-sharing aspects like deductibles and out-of-pocket maximums before finally purchasing a health plan. In Delaware, the choice of best health insurance plan will primarily depend on your income and the expected medical costs. If you or your family seem to have higher medical costs then you should prefer a health plan with lower deductibles, whereas if you and your family are healthier and expect to not obtain much healthcare then you can opt for a health plan with a low monthly premium and high deductible amount. Thus, the definition of the best health plan in Delaware will vary from person to person, depending upon their healthcare needs and budget. 

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