How to Get Health Insurance in Delaware: A Complete 2025 Guide

Navigating health insurance in Delaware can feel overwhelming, especially with rising premiums and multiple options. Whether you’re newly employed, self-employed, or transitioning coverage, understanding Delaware’s health insurance landscape is key to protecting your health and budget. This guide breaks down every step to help you choose the right plan with confidence.

Understand Your Eligibility

Delaware offers a mix of state-run, private, and employer-sponsored options. Eligibility depends on your employment status, income, and family needs. Individuals under 19 may qualify for family plans through a relative’s policy. Adults without employer coverage typically access plans via the Delaware Health Insurance Exchange (DHIE) or Medicaid.

As of 2025, Delaware expanded Medicaid eligibility under the ACA, covering low-income adults with income up to 138% of the federal poverty level. Eligible families and children can also enroll through DHIE during open enrollment or special periods.

Explore Your Coverage Options

Three main paths exist to obtain health insurance in Delaware:

• Delaware Health Insurance Exchange (DHIE): The official marketplace for individual and family plans. DHIE plans include Bronze, Silver, Gold, and Platinum tiers, each with different premiums and out-of-pocket costs. Subsidies are available based on income, reducing monthly payments for eligible residents.
  
• Employer-Sponsored Plans: Many Delaware employers offer health coverage, especially for full-time or part-time workers. Review plan details carefully, including deductibles, copays, and provider networks.
  
• Medicaid: Free or low-cost coverage for eligible low-income individuals and families. Income limits vary by household size but typically cap around \(20,000–\)30,000 annually for adults. Application is streamlined through DHIE or local county offices.

Enroll and Confirm Your Plan

Enrollment in Delaware’s health plans follows a structured process. Start by visiting the DHIE website (delawarehealthcare.gov) or calling 1-800-722-4227 to access personalized guidance. Create an account, compare plans using the