Each state has its own Department of Insurance, which means health insurance pricing, and regulations can vary based on a state’s current laws and economy. This means that some states are more flexible in terms of health plans than others. So before you begin searching for insurance policies, it’s best to know what the options and requirements are in your area.

Delaware Health Insurance Plans

Delaware is one of the six states that holds a partnership health insurance exchange with the federal government. If you choose a qualified plan, you can enroll through HealthCare.Gov.

Qualified plans are compliant with the Affordable Care Act, which satisfies the ten Essential Health Benefits, a set of benefits that are guaranteed to cover specific healthcare costs without discriminating against age, gender, location, or lifestyle choices.

Non-qualified plans do not comply with the federal government’s health insurance requirements and do not cover maternity, mental health, substance abuse or pre-existing conditions. AHIX does not offer these plans in Delaware.

These plans can help cover individual, family, and short term healthcare costs.

Delaware Individual Health Insurance

Delaware individual health insurance is a type of coverage you purchase if you are only covering yourself or your family. You can choose to get insurance coverage through a private exchange like AHiX Marketplace, directly from the insurance company, HealthCare.gov, your employer, or a social insurance plan like Medicare or Medicaid. Under the new Medicaid Expansion, individuals under 65 years old who are up to 138% of the federal poverty level may qualify.

For ACA qualified plans, individuals can expect these average costs of premiums in Delaware (Age 40, Zip code 19706):

  • Single Adult

    Single adult

  • Married Couple

    Married Couple


Delaware Family Health Insurance

Delaware family health insurance is ideal for families with at least one spouse and dependent. You can purchase qualified plans through AHiX Marketplace. You can also get coverage from your employer. Medicare is intended for seniors 65 years and older, so these are not viable options for families. If you're family income is less than 138% of the 2020 federal poverty level ($42,338 for a family of 5), you may qualify for Medicaid.

Here are the average costs of qualified premiums for Delaware families (Age 40) with children under 26 years old:

  • Health Maintenance Organization

    A married couple with one child

  • Health Maintenance Organization

    A married couple with two children

  • Health Maintenance Organization

    A married couple with three children


Benefits of Finding Your Delaware Insurance Plan

At AHiX, we’re dedicated to empowering you to make informed decisions about your healthcare coverage. With our user-friendly online tools and advanced filters, we streamline the process of finding the perfect health insurance plan that aligns with your unique needs and preferences. Whether you’re seeking coverage for routine check-ups, prescription medications, or specialized treatments, our platform ensures that you have access to comprehensive information and options tailored to your requirements.

When it comes to affordability, rest assured that you won’t be overcharged for the same plan elsewhere. At AHiX, we believe in transparency and fairness, which is why there’s no obligation for our services, and you’ll pay the same competitive prices offered by reputable insurance companies that you already know and trust.

Navigating the complexities of health insurance can be daunting, but you don’t have to go it alone. Our team of experienced professionals is here to provide expert assistance whenever you need it. Whether you have questions about plan options, coverage details, or eligibility criteria, we’re available round-the-clock via chat, email, or phone to offer guidance and support every step of the way.

At AHiX, we’re committed to putting your needs first and ensuring that you have access to high-quality healthcare coverage that fits your lifestyle and budget. Experience the convenience, affordability, and expertise that sets us apart as your trusted partner in navigating the world of health insurance.

How Health Insurance Covers Expenses

Health insurance plays a crucial role in safeguarding individuals and families against the financial burden of medical expenses. Understanding how health insurance covers expenses is essential for making informed decisions about your healthcare coverage.

Health insurance coverage typically includes a range of medical services and treatments, such as hospital stays, doctor visits, prescription medications, and preventive care. When you have health insurance, the insurer identifies the services covered by your plan, often based on guidelines such as the Affordable Care Act’s essential health benefits.

Once you’ve purchased a health insurance policy, you’ll typically need to pay a premium either monthly or annually to maintain coverage. In return, your insurance provider commits to covering a portion of your eligible healthcare costs associated with covered conditions and scenarios.

However, it’s important to note that even with Delaware health insurance coverage, you may still be responsible for certain out-of-pocket expenses. These can include deductibles, copayments, and coinsurance, which are costs you pay directly for healthcare services before your insurance kicks in. Additionally, some plans may have annual out-of-pocket maximums, limiting the total amount you’re required to pay in a given year for covered services.

Understanding the specifics of your health insurance coverage, including what services are covered, how much you’ll need to pay out-of-pocket, and any limitations or exclusions, is essential for managing your healthcare expenses effectively. By staying informed and proactive about your health insurance coverage, you can make the most of your benefits and ensure access to the care you need without undue financial strain.

Types of Delaware health insurance plans

Delaware health insurance plans cater to a diverse range of healthcare needs and financial circumstances, ensuring that you find the perfect balance between coverage and cost. Each plan is distinguished by its metallic rating—Bronze, Silver, Gold, and Platinum—providing an easy-to-understand framework for comparing cost-sharing structures.

  • Bronze plans: offer lower monthly premiums, making them an attractive option for those seeking minimal coverage or primarily emergency services. However, they come with higher out-of-pocket expenses when healthcare services are required.
  • Silver plans: strike a balance between monthly premiums and out-of-pocket costs, making them suitable for individuals and families with regular healthcare usage. While the premiums may be slightly higher than Bronze plans, the deductibles are moderate, providing greater financial predictability.
  • Gold plans: feature higher premiums but lower out-of-pocket costs, making them ideal for individuals with frequent healthcare needs. These plans offer comprehensive coverage with reduced financial burdens, ensuring peace of mind for those requiring ongoing medical attention.
  • Platinum plans: provide the most extensive coverage with the highest premiums but the lowest out-of-pocket costs. These plans are perfect for individuals with extensive healthcare requirements who prioritize comprehensive coverage and minimal financial strain.

Regardless of the plan you choose, financial assistance is available for those who qualify, ensuring that you can stay on budget while prioritizing your health and well-being. Our goal is to empower you to make informed decisions about your healthcare coverage, providing peace of mind and security for you and your loved ones.

Health insurance plans for every stage of life

At AHiX, we understand that everyone’s healthcare needs vary at different stages of life. That’s why we offer a comprehensive range of insurance options to cater to individuals and families at every phase.

For those concerned about dental health, our Dental Insurance Plans provide peace of mind with relatively low monthly premiums. From routine cleanings to more extensive procedures, our plans cover a wide range of dental services to ensure your oral health is taken care of.

Vision Insurance Plans are also available to help you maintain optimal eye health. With coverage for annual eye exams and potential savings on contact lenses or glasses, our vision insurance options make it easier to access essential vision care services.

If you’re in need of temporary health coverage, our Short Term Insurance Plans offer an affordable solution. Designed to provide limited coverage for unforeseen circumstances, these plans are easy to enroll in and can start providing coverage within just a few days.

For seniors, our Medicare Insurance Plans offer comprehensive coverage for healthcare needs in retirement. From hospital expenses to outpatient care, our Medicare plans provide peace of mind and financial security during your golden years.

No matter what stage of life you’re in, our health insurance plans are designed to meet your unique needs and provide the coverage you deserve. Explore our range of insurance options today to find the perfect plan for you and your family.

Frequently asked questions

  • How much does health insurance cost in Delaware?

    The cost of health insurance in Delaware can vary depending on several factors, such as zip code, age, and gender. On average, individual health insurance premiums in Delaware can range from around $300 to $600 per month, depending on the coverage level and the individual’s age. In comparison, family coverage may cost between $800 to $1500 per month, based on the size of the family and the specifics of the plan.

  • How do I get free health insurance in Delaware?

  • How can I find affordable health insurance in Delaware?

  • What type of health insurance marketplace does Delaware utilize?

  • When can I enroll in an ACA-compliant plan in Delaware?

  • What types of health insurance plans are available in Delaware?

  • What are important factors to consider when choosing a health insurance plan in Delaware?

  • Who is eligible for Delaware Medicaid?

  • Can you buy short-term health insurance in Delaware?

  • Are there health insurance resources for Delaware residents

Find the Right Plan Today

If you’re trying to stay within budget while finding the right coverage, then you already know that it can be an overwhelming process. The good news is that AHiX Marketplace can do the work of searching for the right plan for you. AHiX Marketplace is an affordable exchange where you can browse for qualified and non-qualified plans so you can find the right coverage at the right price. Find your new policy today.