Delaware Health Insurance

Residents of The Diamond State will appreciate how easy it can be to stay on top of their health insurance when they have our Delaware state guide handy. We’ve put together all the necessary stats, regulations, and resources from local and federal regulatory sources to help residents keep track of not only the quality of their own health insurance, but the state of healthcare for all of Delaware.

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Stats in Your State

Health insurance rates in Delaware of course vary from person to person, but to learn how your rates stack up against the state average and the national average, check through the graphs below.

Chip Medicaid

Nearly 100,000 Delaware children were enrolled in government administered health insurance programs in 2009 and 2010, with a slight increase between the years.

Individual Health Insurance Premiums

The average healthcare cost in Delaware for single payers in 2011 was quite close to the national average, and well below its neighboring states.With the monthly premium costing $1,117, Delaware ranked just behind Pennsylvania in the Mid Atlantic region.

Family Health Insurance Premiums

Although Delaware ranked near the national average and below its neighbors for single payer health plans, neighboring states beat out Delaware in terms of monthly rates for family health insurance in 2011, as evidenced by the graph below.

SAHIE Health Insurance Uninsured

The Census Bureau estimated in 2005 that roughly 100,000 Delaware residents, or nearly 1 out of 8, did not have health insurance. By 2010, however, they estimate that the number of uninsured had dropped to roughly 86,000.

Rules in Your State

The healthcare rules in Delaware are very specific in terms of what’s required and how insurers must behave. Use the following links to learn more about what specific regulations are in place for Delaware health insurance.

Delaware Rules: Alcohol & Your Health Insurance

Alcohol-related disorders are a serious concern for every state, and fortunately for Delaware residents, state laws regulate how insurers provide treatment for alcohol-related disorders.

Losses Due to Intoxication

  • Denial of health benefits are specifically permitted, meaning an insurer is allowed to deny a claim if it involved alcohol, or if the injury or issue was caused by alcohol.

Health Insurance Parity for Alcohol-Related Treatment

  • Health plans must cover treatment of alcohol-related disorders and provide the same levels of benefits for alcohol-related disorders as they do for medical and surgical conditions.
  • Health plans covering alcohol-related disorders may NOT be subject to higher deductibles, higher premiums, or restrictive limits on lifetime treatment for alcohol-related disorders than for medical and surgical coverage.

Additional Resources for Delaware Citizens

Prohibited Unfair Claim Settlement Practices

Source: Delaware Regulations: Administrative Code, Title 18: Insurance, Section 900: This section of the Delaware Code lays out the unfair settlement practices insurers cannot use when settling claims.

Unfair Practices in the Insurance Business

Source: Delaware Code, Title 18: Insurance, Chapter 23: Chapter 23 of the Delaware Code specifies prohibited business practices such as representation of policy provisions, methods of advertising, investment practices, among others.

Health Insurance General Provisions

Source: Delaware Regulations: Administrative Code, Title 18: Insurance, Section 1300
The Insurance Commissioner of Delaware has set forth regulations governing how health insurers must operate, including minimum standards for care, minimum standards for benefits, and the standardization of policy language.
Relevant Subsection: Individual Accident and Sickness Insurance Minimum Standards Act, Regulation 1304: This section specifies minimum standards for accident and sickness insurance, including minimum benefits.

Health Insurance Specific Provisions

Source: Delaware Regulations: Administrative Code, Title 18: Insurance, Section 1400: Similar to the General Provisions section, this section of the Insurance Commissioner’s Regulations identifies the provisions that must be incorporated into health insurance policies and practices.

Representatives & Resources in Your State

Use the links below to make contact with your local government and to learn more about the resources available to Delaware residents for more on health insurance consumer advocacy.

Delaware Department of Insurance
Insurance Commissioner
841 Silver Lake Blvd.
Dover, DE 19904
(302) 674-7300
Get Directions
Contact Info Page
Consumer Complaint Resource
If an insurer is treating you unfairly or making your claim difficult, contact the Department of Insurance to file a complaint and seek assistance from your local government.
Delaware Department of Insurance Consumer Guides
The Department of Insurance has put together helpful guides and brochures for residents on all topics relating to insurance.
Delaware Health Care Reform Information
With important healthcare reform taking place in 2014 and 2015, the landscape of healthcare in Delaware will be changing along with the rest of the country. Use the link above to learn more about how that might affect you.

Delaware Department of Health and Social Services
Elaine Archangelo, Director
Ray Fitzgerald, Deputy Director
1901 N. DuPont Highway, Lewis Bldg.
New Castle, DE 19720
(302) 255-9668
Get Directions

Delaware Healthy Children Program (CHIP)
The Delaware Healthy Children Program provides government-administered health insurance to children of low-income families who qualify for the program.