Delaware Health Insurance Policies

→ Visit the Delaware Department of Insurance website

Guaranteed Health Insurance Plan

As a HIPAA eligible enrollee, you are:

• Guaranteed the right to purchase an individual insurance policy from any insurance company offering individual coverage;
• Given the choice of at least two policies with similar benefits available to everyone else; and
• Are not subject to any pre-existing condition exclusion periods or elimination riders.

HIPAA Eligibility

To be HIPAA eligible in Delaware, you must:

1. Have 18 months of continuous creditable coverage, with at least the last day under the Brethren Ministers Group; and
2. Not be eligible for Medicare, Medicaid or a group plan; and
3. Apply for health insurance for which you are HIPAA eligible within 63 days of losing your prior coverage; and
4. Not have health insurance.

Note: If you know your group coverage is about to end, you can apply for coverage for which you will be HIPAA eligible.

How much does guaranteed issue insurance coverage cost?

Delaware health insurance companies base their premiums on the specific plan chosen, geographic area of residence, age and gender. Delaware law caps individual insurance premiums at 125% to 200% of what a healthy person would pay for a similar individual plan.

Delaware Carriers

While guaranteed issue health insurance is available from any carrier, two of the largest carriers in the state are:

Blue Cross Blue Shield of Delaware

(302) 421-3000

Coventry Health Care

(800) 833-7423

Where can I obtain more information?

For more information visit the Delaware Department of Insurance website at www.delawareinsurance.gov or call them at (800) 282-8611 or (302) 674-7300.

Special insurance for children: Delaware Healthy Children

A family of four making up to $41,300 a year may be eligible for Delaware Healthy Children.

• Do you qualify? Visit Eligibility
• Questions? Call (800) 372-2022