Delaware Health Insurance


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Delaware Health Insurance

Delaware has fewer health insurance regulations than most states. Still, it's important to familiarize yourself with them, so you're more confident and wise in your purchase.

This guide:

  • Describes Delaware health insurance policy regulations.

  • Lists rules Delaware health insurance companies must follow.

Health insurance policies are regulated by each state's own health insurance laws. Delaware health insurance companies and policyholders alike must abide by established insurance laws.

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Delaware health insurance policy provisions

Some of the most important Delaware health insurance laws are the ones that influence the health insurance policy specifically. Delaware does not impose strict policy requirements, but there are a few.

For one, at the end of your Delaware health insurance policy's term, you always have the option of renewing it for another year. This is called the guaranteed renewability provision.

Although your Delaware health insurance policy can be canceled for certain reasons like non-payment or false information, Delaware health insurance laws prohibit all Delaware health insurance companies from terminating your policy on the grounds of illness.

A second health insurance policy regulation states that Delaware health insurance companies can impose a pre-existing condition exclusion period. Delaware health insurance laws define pre-existing conditions as medical conditions you had before the start of your health insurance policy.

It is legal for Delaware health insurance companies to exclude coverage for conditions that fall under this description for any amount of time - even permanently.

Regulating Delaware health insurance companies

Delaware health insurance companies are either licensed in the state of Delaware or not. If they are licensed, you know, as a consumer that the company has passed Delaware health insurance regulations.

Although being licensed is a good quality indicator of Delaware health insurance companies, you should still be aware of the few basic Delaware health insurance regulations. Unfortunately, Delaware health insurance regulations don't extend very far.

For instance, in deciding the price of your health insurance policy and whether or not to offer you a health insurance policy at all, Delaware health insurance companies can use your health status as a factor in their decision.

This means any Delaware health insurance company can decide against offering you a health insurance policy.

Additionally, the cost of Delaware health insurance is NOT regulated by Delaware health insurance laws. As a result, you may be subjected to a steep increase in premiums as you grow older or your health declines.

However, once you purchase a health insurance policy,Delaware insurance companies must honor your request to renew your existing health insurance policy.

Since this is the case, it is highly recommended that you buy Delaware health insurance while you are young and healthy to ensure you get comprehensive low costing coverage without any pre-existing exclusions.

More DE health insurance help

If you want more help getting the a good health insurance policy, read our guide to health insurance.

Also see the guide to Delaware small business health insurance.

To find out more about DE health insurance laws and regulations, visit the official website of the State of Delaware Insurance Department.