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Obamacare in Delaware

The initial launch of Obamacare in Delaware saw approximately 25,036 consumers acquire quality healthcare, joining the 11.7 million Americans who also took advantage of the release of the healthcare marketplace. 83 percent of Delaware residents who applied for Obamacare were qualified for tax credits which totaled on average $234 a month. Subsidies are slated for increase with the next enrollment period, which will reduce the monthly premium rates even further. The increased subsidies are a direct result of the rate increase experienced by the two insurance carriers in the state.

To find out more information about affordable healthcare in Delaware, review the sections below:

  • Did Delaware accept the Obamacare Medicaid expansion?
  • Does the state or federal government run the health insurance exchange in Delaware?
  • Eligibility for Obamacare in Delaware
  • How to apply for Obamacare in Delaware
  • Health plan cost and availability in Delaware

Did Delaware accept the ACA Medicaid expansion?

Many Delaware residents wonder, “What is the Obamacare Medicaid expansion, and how will it affect me?” The ACA Medicaid expansion may not concern individual DE residents whose income is above $32,253 a year, as only those who fall 133 percent below the federal poverty level will qualify for Medicaid. The recent expansion is a direct result of an analysis that was performed shortly after the initial release of Obamacare in 2010.

What is the expansion of Medicaid? The extension of qualifying income levels encompasses the main tenant of the Affordable Care Act Medicaid expansion for Delaware residents. States were offered the opportunity to take advantage of the new mandates or keep the state-regulated Medicaid levels. Delaware, along with thirty other states, opted to expand their Medicaid offerings to include the new subset. The subset will now include beneficiaries with pre-existing conditions and low-income young adults with no children. The states who did not elect to adopt the expansion cited ACA Medicaid expansion cost to states as a deterrent of the expansion.

As of 2015, approximately 12,451 Delaware residents have qualified for Obamacare Medicaid eligibility and the Medicaid expansion benefits. The DE Obamacare Medicaid application can be found at the state’s site, called Choose Health Delaware. Obamacare Medicaid expansion details are also available at the same exchange site, outlining qualifications and providing important contact information.

Does the state or federal government run the health insurance exchange in Delaware?

Delaware, in partnership with the Obamacare health insurance exchange, offers an in-state insurance marketplace called Choose Health Delaware. What is the health insurance exchange in Delaware? The health insurance exchange in DE is responsible for healthcare plan management, assisting residents with enrollment and questions, relegating maintenance issues and adhering to the health insurance exchange regulations of the federal government.

The DE Obamacare healthcare marketplace offers residents a way to preview and select plans that will meet their medical needs and fit their budget. While the government based their pricing models on an average family contributing 8 percent of their monthly income on healthcare, in DE these numbers are much lower. What is the marketplace for health insurance in DE? The DE marketplace offers affordable medical coverage for residents of the state by offering qualified residents subsidies and tax credits. Nearly 89 percent of the population qualified for some sort of tax credit.

Eligibility for Obamacare in Delaware

Many first-time applicants in Delaware wonder how to qualify for Obamacare, and want to know the Obamacare income requirements necessary for enrollment. To answer the question, “What are the requirements to apply for Obamacare in Delaware?” most residents will only need to gather a few documents, including the following: paystubs, tax returns, Social Security Card, personal ID, any current insurance policies, medical records and household information.

Applicants who are worried about who is eligible for Obamacare, should note that income requirements are only used as a means of determining monthly premiums and plan qualifications. Obamacare coverage eligibility requirements will not disqualify anyone based on income. However, if an applicant is currently receiving Medicaid, Medicare, is currently enrolled in an employer’s insurance plan, or is serving time in a correctional facility, then he or she will be ineligible for Obamacare. 

How to Apply for Obamacare in Delaware

Delaware residents who would like to know how to get Obamacare can get all the information they seek online. Logging onto the Choose Health Delaware platform will allow residents to view and select the plan that works best for them. DE residents wondering, “Can I apply online for Obamacare?” should know that the Choose Health Delaware website is the starting point for enrollment.

What is needed to sign up for Obamacare in DE? Residents wanting to learn how to enroll in Obamacare can contact an experienced insurance agent. The Choose Health DE site will list where to apply for Obamacare in the applicant’s county. Applicants in DE can also mail in their application form. Obamacare applicants who want to learn how to apply for Obamacare insurance can call the hotline number provided to speak with a trained agent who can answer their questions or even fill out the application for the applicant. One of the most frequently asked questions regarding Obamacare is, “What do I need to apply for Obamacare in Delaware?” Applicants need to provide personal documents in order to complete the Obamacare application, including paystubs, tax returns, medical records, personal ID, Social Security numbers, and household information.

Health Plan Cost and Availability in Connecticut

One of the key questions asked about Obamacare in DE is, “How much will Obamacare insurance cost me?” Obamacare applicants who enrolled during the open enrollment period (Nov. 1-Dec. 31) and qualified for subsidies will pay an average of $150 per month. Obamacare health insurance plans costs in Delaware are based on many factors, both for the consumer and the insurance carrier.  There are currently two carriers in Delaware that offer coverage, which includes many levels of healthcare plans, ranging from bronze, silver, gold, to platinum. How much does Obamacare cost in DE? Enrollees who are returning to the marketplace during the new enrollment period are encouraged to shop around and check Obamacare health insurance price estimates as plans change from year to year.