According to a 2023 Gallup poll, less than half of Americans think favorably of the standard of American healthcare. A slender majority now sees healthcare quality as inadequate, with 31% describing it as “only fair” and a record 21% as “poor.”
Yet affordable and comprehensive health insurance is necessary across the U.S. Here’s what you need to know about cheap health insurance in Delaware.
Top Cheap Health Insurance in Delaware
A recent state government study showed that a significant proportion of Delaware’s population lacks insurance. According to the 2022 BRFS, even with the expanded coverage provided by the Affordable Care Act (ACA), 36.2% of Latino/Hispanic residents in Delaware aged 18 to 64 remain without healthcare coverage or health insurance.
In the same year, 8.7% of all Delaware adults in this age group—or 48,228 Delaware adults—reported lacking health insurance. These numbers highlight the ongoing need for affordable health insurance options to ensure broader coverage for all residents.
Beem
Beem is a top-rated marketplace for affordable health insurance in Delaware. It offers a wide range of flexible plans tailored to meet diverse needs and budgets. Users can opt for short-term medical, accident, critical illness, and dental insurance on its plan. Each plan is designed to cover different aspects of health care, ensuring that you can find the perfect coverage that fits your lifestyle and budget.
Beem’s Insurance Plans
Short-Term Medical: These plans are ideal for those facing gaps between jobs, aging out of family policies, or waiting for Open Enrollment. They offer customizable coverage durations, individual and family options, office visits and urgent care benefits. Policies range from 30 days to a year, with access to large national networks.
Accident Insurance: This supplemental plan helps cover out-of-pocket costs after an accident, critical illness, or hospitalization. It offers flexible plan terms, no network restrictions, and guaranteed coverage for applicants aged 18 to 64, with no waiting periods.
Critical Illness: Provides cash benefits to help with out-of-pocket costs after a cancer, heart attack, or stroke diagnosis. These plans feature no deductibles, network restrictions, and lump sum cash benefits up to plan limits.
Dental Insurance: Covers preventive and basic services, with dental benefits starting from day one. Plans include:
- Multiple benefit levels.
- No waiting periods for preventive care.
- Network discounts on basic and major services.
| Pros | Variety of flexible plans. Coverage for different needs (medical, accident, critical illness, dental). There are no waiting periods for some plans. Access to large national networks. Customizable coverage durations. |
| Cons | Short-term medical plans may not cover pre-existing conditions. Coverage durations are limited. Some plans may have higher out-of-pocket costs. |
| Monthly Cost | Varies by plan type and coverage level, offering budget-friendly options for different financial situations. |
| Out-Of-Pocket Costs | It depends on the specific plan chosen; some plans have higher out-of-pocket costs, while others, like critical illness plans, offer cash benefits to cover these expenses. |
| Deductibles | A wide range of deductibles are available, tailored to the chosen plan type and coverage level. |
Ambetter
Ambetter offers one of Delaware’s top affordable health insurance options through the Health Insurance Marketplace. Its range of options ensures that members can take charge of their health with comprehensive support. Their plans include virtual 24/7 care, optional dental and vision coverage, and personalized health management programs for chronic conditions.
| Pros | Virtual 24/7 care. Health management programs. Optional dental and vision coverage. Mail-order pharmacy. |
| Cons | Coverage and benefits may vary based on location and plan. Some plans have higher out-of-pocket costs. |
| Monthly Cost | Varies by plan type and coverage level, offering budget-friendly options |
| Out-Of-Pocket Costs | Depending on the specific plan, some plans may have higher out-of-pocket costs than others. |
| Deductibles | A large selection of deductibles may be selected based on the plan type and coverage amount. |
AmeriHealth
AmeriHealth Caritas Delaware is a leading affordable health insurance provider, offering comprehensive coverage tailored to the needs of individuals and families. Its provider network ensures members receive high-quality care and support. Benefits include medical, behavioral health, telehealth services, and special programs to help members stay healthy.
| Pros | Comprehensive Medicaid benefits. Behavioral health and tele-health services. Special programs for unique needs . |
| Cons | Coverage may vary based on specific plans and location. Applies minimal out-of-pocket costs. |
| Monthly Cost | Varies based on eligibility and plan type but is generally affordable due to Medicaid support. |
| Out-Of-Pocket Costs | Minimal out-of-pocket costs for medically necessary covered services. |
| Deductibles | Typically, low or no deductibles due to Medicaid coverage. |
Blue Cross Blue Shield
Blue Cross BlueShield is a leading affordable health insurance provider dedicated to increasing access to quality healthcare, including mental health services. It offers personalized healthcare solutions, addressing health disparities and inequities to ensure everyone can achieve good health and well-being regardless of background.
| Pros | Increased access to mental health care. Personalized healthcare solutions. Nationwide network. Focus on health disparities and inequities. |
| Cons | Some patients discontinue weight-loss drugs prematurely. Coverage and benefits can vary based on location and plan type. |
| Monthly Cost | Varies by plan type and coverage level, offering budget-friendly options for different financial situations. |
| Out-Of-Pocket Costs | Some plans may have higher out-of-pocket costs than others. |
| Deductibles | Depending on the chosen plan type and coverage level, various deductibles are available. |
Aetna
Aetna is a leading affordable health insurance provider in Delaware. It offers health plans tailored to meet the unique needs of individuals and families. Aetna combines trusted care, guidance, and quality health insurance benefits to ensure comprehensive coverage.
Its health plans ensure members receive the proper care and guidance, making achieving and maintaining good health easier.
| Pros | Personalized health plans. Wide range of options. Trusted care and guidance. Nationwide network |
| Cons | Coverage and benefits can vary based on location and plan type. |
| Monthly Cost | Varies by plan type and coverage level, offering budget-friendly options. |
| Out-Of-Pocket Costs | Depending on the specific plan, some plans may have higher out-of-pocket costs than others. |
| Deductibles | Various deductibles tailored to the chosen plan type and coverage level are available. |
Conclusion
AmeriHealth, and Ambetter stand out for their comprehensive coverage and flexible plans for Delaware residents. Plans on Beem, an insurance marketplace, cater to various demands and price ranges, including critical illness, accident, and short-term medical coverage. Comparably, Ambetter guarantees access to necessary services through health management programs and round-the-clock virtual care, while AmeriHealth offers comprehensive Medicaid coverage and specialized programs. Every provider strives to provide affordable, high-quality healthcare, making it simpler for locals to select a plan that fits their financial and lifestyle needs.
Read Related Article: Cheap health insurance in Connecticut.
FAQs
Who has the lowest health insurance rates in Delaware?
Beem, the insurance platform, stands out in Delaware with its competitive rates. It offers affordable options for various coverage needs, and its diverse range of plans ensures accessibility without compromising quality.
How to get free health insurance in Delaware?
Eligible individuals can apply for Medicaid through the Delaware Health Insurance Marketplace to access free or low-cost health insurance. This program offers comprehensive coverage to qualified people, ensuring access to essential healthcare services.
Which insurance has low deductibles and out-of-pockets in Delaware?
Insurance plans listed on Beem are known for their low deductibles and minimal out-of-pocket costs. They provide comprehensive coverage with affordable expenses, ensuring peace of mind for members.
