If you’re between jobs, missed the Affordable Care Act (ACA) enrollment deadline, or are waiting for your Medicare coverage to go into effect, a short-term insurance plan in Delaware can help cover you in case of a covered medical emergency.

Can I Buy Short-Term Health Insurance in Delaware?

Yes, short-term health insurance plans are available in Delaware. The state allows short-term health plans with durations of up to three months. You cannot extend your policy or enroll in a new plan more than once in a year.1 Each state is responsible for setting its own regulations for short-term health insurance, so these rules may change.2

Is Short Term Health Insurance a Good Option?

Short-term health insurance could be a good option for you, depending on your needs. Premiums for short-term health insurance in Delaware start at approximately $50 per month.* For people looking for a temporary medical plan, it could be a good and affordable option. 

This type of temporary health insurance does not provide the same amount of coverage as Affordable Care Act (or marketplace) health insurance. The policies are not fully comprehensive and do not necessarily include benefits such as maternity care or prescription drug coverage. In addition, people with preexisting conditions can denied.

Short-term plans may come with high out-of-pocket deductible and copays that you’re responsible for in exchange for lower premiums. Before you purchase a plan, review the benefits and coverage levels to make sure it’s the right decision for you.

Ready to Apply for a DE Short-Term Health Insurance Plan? 

Compare available short-term insurance plans in Delaware with HealthMarkets today. Your coverage could start as soon as the day after you apply. Compare available plans from nationally recognized companies now.


1.Delaware.gov Retrieved from https://regulations.delaware.gov/register/january2019/final/22%20DE%20Reg%20607%2001-01-19.htm Accessed February 17, 2021. | 2.CBO. September 2020. Retrieved from https://www.cbo.gov/publication/56622 

*Average based on premiums for all 2021 short-term health plans available through HealthMarkets for a 40-year-old non-smoking male living in Wilmington, DE.

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