Many avenues are included for the landscape of health insurance in Delaware in which individuals and families can buy health plans. Residents who have no access to an employer sponsored coverage may shop for health care plans through the federal marketplace exchange or private marketplace. Other that qualify can apply for a public health plan like Medicaid and CHIP.
Affordable Care Act – Delaware
Delaware chose to establish its own state exchange after the (ACA) Affordable Care Act came into effect requiring many if not most Americans to purchase health insurance coverage. Residents can apply for income based financial assistance when enrolling in ACA compliant health plans that are sold in the exchange which can help lower the monthly premiums for health insurance as well as out of pocket expenses required with many health services.
Income based, subsidies and premium tax credits are only available through marketplace plans. SHOP (Small business Health Options Program) provides employers who have 50 or less full-time employees a way to offer employees health care benefits which will meet health insurance Federal standards.
Delaware – Medicaid expansion
Delaware is among some of the many states that have expanded Medicaid to both single and low income adults from the time Obamacare had taken effect.
This provides low cost health insurance for all kids that are eligible for Delaware‘s Children’s health Insurance Program, CHIP.
Delaware health insurance plans | Delaware Open Enrollment Period | DHSS
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