- The Delaware health insurance marketplace enrollment closes at midnight on December 15, 2025.
- Approximately 6.5% of Delaware residents remain uninsured and need to enroll before the deadline to avoid coverage gaps.
- The marketplace is linked to Healthcare.gov and accepts applications online, by phone, or through certified agents.
- A Special Enrollment Period is available after the deadline for qualifying life events, with coverage starting February 1, 2026.
- Financial help through tax credits can reduce average monthly premiums to around $147, making coverage more affordable.
The Delaware health insurance marketplace for Affordable Care Act (ACA) coverage closes on December 15, 2025, at midnight. This deadline affects about 6.5% of state residents who are currently uninsured. Missing this date means residents must wait until the next open enrollment period to obtain coverage, risking a significant gap in health insurance.
This marketplace connects residents with Healthcare.gov for enrollment. Applications can be submitted online, by phone, through certified enrollment partners, insurance agents, brokers, or by paper. Required documents include photo ID, Social Security numbers, recent pay stubs, latest tax returns, and possibly immigration status details. According to Insurance Commissioner Trinidad Navarro, “If you’re ever pressured to purchase anything, hang up.” He also noted that only about 5% of Delaware’s population enrolls in ACA coverage via open enrollment, as most have employer-based insurance.
Residents who miss the December 15 deadline may be eligible for a Special Enrollment Period if they experience qualifying events such as childbirth, moving, divorce, death in the family, or loss of prior coverage. This period extends through January 15, 2026, but coverage for late enrollees begins February 1, 2026. Trinidad Navarro emphasized the goal to “expand access to affordable, high-quality health coverage through the Delaware Health Insurance Marketplace.”
Financial assistance is available to reduce costs. In 2024, after applying tax credits and subsidies, the average monthly premium for ACA plans was about $147, with 17% of enrollees paying $10 or less. The Delaware Department of Insurance warned about scams during open enrollment, including fraudulent enrollments aimed at generating commissions without consumer consent.
Failing to enroll exposes uninsured residents to high out-of-pocket expenses from medical emergencies and reduces access to preventive and necessary healthcare services. Subsidized ACA plans help make insurance more attainable by adjusting costs based on income and household size.
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