Find affordable health insurance.
We can help.

Worried you missed the open enrollment window? Don’t panic. Enrollment extensions vary by state – you may still have time.

Even if you did miss it, you should be able to find a short-term plan to get you to the next enrollment period.

Enter your ZIP and we will guide you.

Find affordable health insurance

Delaware health insurance exchange

delaware guide to health insurance

Enrollment growing slowly in Delaware

April 1, 2014

March 31 was the last day to apply for private health insurance coverage for 2014. However, consumers who started applications on by the deadline and self-reported they weren’t able to finish have until April 15 to complete enrollment. The extension is available in Delaware and all other states using for enrollment.

Enrollment for Medicaid or CHIP continues throughout the year.

Individuals who remain uninsured after March may face a tax penalty of $95 or one percent of income, whichever is greater.

Choose Health Delaware is the state’s health insurance marketplace, which is operated in partnership with the federal government. Under the partnership model, Delaware has regulatory oversight of health plans operating on the exchange and handles consumer outreach functions. The federal government is responsible for determining who is eligible to purchase insurance and who qualifies for subsidies, enrolling eligible consumers, and operating the marketplace website and call center.

As of Feb. 28, nearly 7,000 Delaware residents had enrolled in private health plans and 2,168 qualified for Medicaid. Delaware set a goal of enrolling 35,000 people during the first open enrollment period. That target was set in 2010. In September 2013, the federal government estimated just 8,000 Delawareans would sign up in the first year. Landgraf, citing the problems with in October and November that severely hampered enrollment, acknowledged that the final figure for 2014 open enrollment will likely be much closer to the federal estimate.

Through the first five months of enrollment, Delaware residents showed a greater preference for higher premium/lower deductible plans than the national average. In Delaware, 23 percent selected gold plans and 8 percent selected platinum plans; nationally, the figures are 11 percent and 6 percent, respectively. Seventy-nine percent of people in Delaware who enrolled in a health plan qualified for financial assistance, compared to 83 percent nationally.

In Delaware 73 marketplace guides and navigators are helping individuals obtain coverage. Assistance is available at facilities operated by Brandywine Women’s Health Associates, Christiana Care, the Delmarva Foundation and Westside Family Healthcare.

Highmark Blue Cross and Blue Shield and Coventry are offering 19 health plan options for individuals and families through the marketplace in Delaware. According to a report released by the U.S. Department of Health and Human Services (HHS), the average cost for a bronze plan —the lowest-cost option — in Delaware is $308 a month. The national average for a bronze policy is $249 a month.

While several states adopted a partnership exchange as an incremental step toward an eventual state-run exchange, Delaware is unlikely to go that route according Rita Landgraf, cabinet secretary of the state Health and Social Services department. Delaware may, however, consider a regional partnership in the future, whereby the state would partner with one or more other states. A regional partnership would spread administrative cost over a wider population and increase the size of the risk pool.

Delaware health insurance exchange links

Choose Health Delaware

Health Benefit Exchange information
Exchange information from the Delaware Health Care Commission

Who Serves on the Delaware Health Care Commission?

State Exchange Profile: Delaware
The Henry J. Kaiser Family Foundation overview of Delaware’s progress toward creating a state health insurance exchange.

DE health insurance exchange news

State-by-state open enrollment extension details

Curious to see how your state is handling the open enrollment deadline?  Most states…

Delaware marketplace enrollment low but growing

Newsworks — Enrollment in private health plans and Medicaid stood at about 9,000 at the…

Delaware has lowest marketplace enrollment target

Delaware State News — Delaware dropped its enrollment target from a 2010 estimate of…

Wide discrepancy in Delaware, CMS enrollment targets

Newsworks — In 2010, Delaware set a target of enrolling 35,000 residents through the…

Just four confirmed enrollees through Delaware marketplace

Associated Press — Just over 200 Delaware residents have created account and just four…

Rates announced for Delaware health insurance marketplace

Delaware Newszap — Highmark Blue Cross and Blue Shield and two divisions of Coventry…

Delaware chooses partnership as most cost-effective exchange model — Delaware expects only 35,000 people to enroll through its health…

Governors Spar Over Medicaid And Health Exchanges

SHOTS blog (NPR) – Health reform – and how to implement its provisions – will be a…

Voice your concerns to your
Delaware elected officials

tell your elected officials

Let your Delaware governor and legislators know how you feel about the state’s proposed health insurance exchange.

Delaware Governor Jack Markell
William Penn Street, 2nd Fl.
Dover, DE 19901
PHONE: (302) 744-4101
FAX: (302) 739-2775
Contact by e-mail
Contact your Delaware State Senator
Contact your Delaware State Representative