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Here you can research health plans, calculate how much insurance will cost you, find ways to pay for coverage, and even get help with the enrollment process.</p> </div> </div> </div> </div> <div class="row"> <div class="col-lg-5 phxxl"> <div class="l-aside fixto visible-lg" data-fixto=".l-main .container-fluid" data-fixto-zindex="9999" data-fixto-mind=".l-header"> <aside class="intro section-intro"> <h1 class="h2 page-title">About insurance</h1> <p>Health insurance is a way to pay for health care costs. It protects you from having to pay the full cost of medical services when you’re sick or hurt. Just as with other insurance, you typically choose a plan and pay a monthly rate (usually called a premium). In return, your health coverage provider agrees to pay a portion of your medical costs. Payments by your health insurance provider are typically based on discounts the provider negotiates with doctors and hospitals.</p> <a href="http://www.healthcare.gov" class="btn btn-callout btn-callout-solid btn-solid btn-solid_tertiary mtm"> <div class="media"> <div class="media-left"> <i class="callout-icn fa fa-warning media-object"></i> </div> <div class="media-body"> <span class="callout-title media-heading mts">Open Enrollment ended. See if you can still get coverage <span class="text-nowrap">at HealthCare.gov. <sup><i class="btr bt-external-link bt-sm"></i></sup></span></span> </div> </div> </a> </aside> </div> </div> <div class="col-lg-7 l-content"> <div class="content"> <div class="hidden-lg"> <section id="intro" class="intro section-intro frac frac-notracking"> <h1 class="h2 page-title">About insurance</h1> <p>Health insurance is a way to pay for health care costs. It protects you from having to pay the full cost of medical services when you’re sick or hurt. Just as with other insurance, you typically choose a plan and pay a monthly rate (usually called a premium). In return, your health coverage provider agrees to pay a portion of your medical costs. Payments by your health insurance provider are typically based on discounts the provider negotiates with doctors and hospitals.</p> <a href="http://www.healthcare.gov" class="btn btn-callout btn-callout-solid btn-solid btn-solid_tertiary mtm"> <div class="media"> <div class="media-left"> <i class="callout-icn fa fa-warning media-object"></i> </div> <div class="media-body"> <span class="callout-title media-heading mts">Open Enrollment ended. See if you can still get coverage <span class="text-nowrap">at HealthCare.gov. <sup><i class="btr bt-external-link bt-sm"></i></sup></span></span> </div> </div> </a> </section> </div> <section id="whats-covered" class="frac frac-notracking"> <h2 class="section-title section-title_bar">What’s covered</h2> <p>Your coverage gives you many important services that everyone needs. These services include the following:</p> <ul class="xs-block-grid-2 md-block-grid-3 lg-block-grid-4" data-equal="li"> <li class="text-center pvm"> <i class="chd-wheelchair"></i> <h3 class="h5 font-normal mvn">Outpatient care</h3> </li> <li class="text-center pvm"> <i class="chd-ambulance"></i> <h3 class="h5 font-normal mvn">Emergency services</h3> </li> <li class="text-center pvm"> <i class="chd-nurse"></i> <h3 class="h5 font-normal mvn">Hospital services</h3> </li> <li class="text-center pvm"> <i class="chd-baby"></i> <h3 class="h5 font-normal mvn">Maternity and newborn care</h3> </li> <li class="text-center pvm"> <i class="chd-pillbottle"></i> <h3 class="h5 font-normal mvn">Prescription drugs</h3> </li> <li class="text-center pvm"> <i class="chd-microscope"></i> <h3 class="h5 font-normal mvn">Laboratory services</h3> </li> <li class="text-center pvm"> <i class="chd-needle"></i> <h3 class="h5 font-normal mvn">Preventive services such as shots <span class="text-nowrap">and screenings</span></h3> </li> <li class="text-center pvm"> <i class="chd-bandaid"></i> <h3 class="h5 font-normal mvn">Help with chronic diseases <span class="text-nowrap">like diabetes</span></h3> </li> <li class="text-center pvm"> <i class="chd-medicalicon"></i> <h3 class="h5 font-normal mvn">Pediatric services, including oral <span class="text-nowrap">and vision care</span></h3> </li> <li class="text-center pvm"> <i class="chd-brain"></i> <h3 class="h5 font-normal mvn">Mental health and substance use <span class="text-nowrap">disorder services</span></h3> </li> <li class="text-center pvm"> <i class="chd-stethescope"></i> <h3 class="h5 font-normal mvn">Services and devices to help people with injuries, disabilities, or <span class="text-nowrap">chronic conditions</span></h3> </li> </ul> </section> <section id="are-you-eligible" class="frac"> <h2 class="section-title section-title_bar">Are you eligible?</h2> <div class="row"> <div class="col-md-6"> <ul class="list-unstyled list-checklist"> <li class="list-checklist-item"> <i class="item-icn chd-checkbox"></i> <h3 class="h5 font-normal mvn">You live in the United States.</h3> </li> <li class="list-checklist-item"> <i class="item-icn chd-checkbox"></i> <h3 class="h5 font-normal mvn">You are a U.S. citizen or national (or are <span class="text-nowrap">lawfully present).</span></h3> </li> <li class="list-checklist-item"> <i class="item-icn chd-checkbox"></i> <h3 class="h5 font-normal mvn">You are not currently incarcerated.</h3> </li> <li class="list-checklist-item"> <i class="item-icn chd-checkbox"></i> <h3 class="h5 font-normal mvn">Your employer does not offer affordable <span class="text-nowrap">health insurance.</span></h3> </li> </ul> </div> <div class="col-md-5"> <p>If your employer offers health insurance, you should sign up through your employer. Or if you are not eligible for public coverage from Medicaid or Medicare, you can apply for coverage online through the individual <a href="https://www.healthcare.gov/">Health Insurance <span class="text-nowrap">Marketplace.<sup><i class="btr bt-external-link bt-sm"></i></sup></span></a></p> </div> </div> </section> <section id="are-your-kids-eligible" class="frac"> <h2 class="section-title section-title_bar">Are your children eligible for the Children’s Health Insurance <span class="text-nowrap">Program (CHIP)?</span></h2> <p><a href="http://www.dhss.delaware.gov/dhss/dmma/dhcpqualify.html" class="text-nowrap">CHIP <sup><i class="btr bt-external-link bt-sm"></i></sup></a> was created to help states insure low-income children who are ineligible for Medicaid but cannot afford private insurance. In Delaware, CHIP is known as the Delaware Healthy Children Program.</p> <p>A child may qualify under the Delaware Healthy Children Program if he or she:</p> <ul class="xs-block-grid-2 md-block-grid-3" data-equal="li"> <li class="text-center pvm"> <i class="chd-medicalicon"></i> <h3 class="h5 font-normal mvn">Does not have <span class="text-nowrap">health insurance.</span></h3> </li> <li class="text-center pvm"> <i class="chd-19"></i> <h3 class="h5 font-normal mvn">Is under the age of 19 and resides in the state <span class="text-nowrap">of Delaware.</span></h3> </li> <li class="text-center pvm"> <i class="chd-usa"></i> <h3 class="h5 font-normal mvn">Is a U.S. citizen or legally residing <span class="text-nowrap">non-citizen.</span></h3> </li> <li class="text-center pvm"> <i class="chd-delaware"></i> <h3 class="h5 font-normal mvn">Is not a dependent of a permanent State of <span class="text-nowrap">Delaware employee.</span></h3> </li> <li class="text-center pvm"> <i class="chd-house"></i> <h3 class="h5 font-normal mvn">Meets income eligibility requirements based on the number of people in your family and your <span class="text-nowrap">total income.</span></h3> </li> </ul> </section> <section id="how-the-marketplace-works" class="frac"> <h2 class="section-title section-title_bar">How the <span class="text-nowrap">marketplace works</span></h2> <ol class="list-unstyled list-steps"> <li class="list-steps-step list-steps-step_1" data-equal="li"> <span class="step-number">1</span> <i class="step-icn chd-md chd-arrow"></i> <h3 class="h5 font-normal mvn">You apply for health insurance online at the <a href="https://www.healthcare.gov/">Health Insurance Marketplace <sup><i class="btr bt-external-link bt-sm"></i></sup></a>.</h3> </li> <li class="list-steps-step list-steps-step_2"> <span class="step-number">2</span> <i class="step-icn chd-md chd-magnifyglass"></i> <h3 class="h5 font-normal mvn">You compare the plans and choose the one that’s right <span class="text-nowrap">for you.</span></h3> </li> <li class="list-steps-step list-steps-step_3"> <span class="step-number">3</span> <i class="step-icn chd-md chd-checkbox"></i> <h3 class="h5 font-normal mvn">You tailor a plan to suit <span class="text-nowrap">your needs.</span></h3> </li> </ol> <h3 class="mtxl font-semibold">Health Insurance Marketplace fast facts</h3> <ul class="xs-block-grid-2 md-block-grid-3 mbl" data-equal="li"> <li class="text-center pvm"> <i class="chd-x"></i> <h3 class="h5 font-normal mvn">Preexisting conditions can’t keep <span class="text-nowrap">you out</span></h3> </li> <li class="text-center pvm"> <i class="chd-26"></i> <h3 class="h5 font-normal mvn">Adult children up to age 26 can stay on their parents’ plan</h3> </li> <li class="text-center pvm"> <i class="chd-dollarsign"></i> <h3 class="h5 font-normal mvn">There are no dollar limits on lifetime benefits</h3> </li> <li class="text-center pvm"> <i class="chd-hospitalsign"></i> <h3 class="h5 font-normal mvn">Hospitalization, doctor visits, prescriptions, and more <span class="text-nowrap">are covered</span></h3> </li> <li class="text-center pvm"> <i class="chd-tooth"></i> <h3 class="h5 font-normal mvn">Dental care for children <span class="text-nowrap">is available</span></h3> </li> </ul> </section> </div> </div> </div> </div> <div class="col-sm-4 col-sm-pull-8 col-md-3 col-md-pull-8 col-lg-2 col-lg-pull-10"> <div class="l-aside fixto" data-fixto=".l-main .container-fluid" data-fixto-zindex="9999" data-fixto-mind=".l-header"> <nav class="section-nav" id="nav" role="navigation"> <ol class="breadcrumb section-nav_breadcrumb"> <li><a href="/"><span class="sr-only">Home</span><i class="bts bt-home icn color-white"></i></a></li> <li><a href="/Health-Insurance-Marketplace">Marketplace</a></li> <li class="active">Individuals & Families<span class="visible-xs-inline">:</span></li> </ol> <ul class="nav nav-pills nav-stacked"> <li role="presentation"> <a href="/Health-Insurance-Marketplace/Individuals-and-Families/About-Insurance" class="btn btn-solid btn-block btn-left btn-solid_secondary" aria-expanded="false" aria-controls="navAboutInsurance">About insurance</a> <div class="collapse" id="navAboutInsurance"> <ul class="nav nav-list"> <li role="presentation"><a href="#whats-covered" class="btn btn-left btn-link fracs scrollTo">What’s covered</a></li> <li role="presentation"><a href="#are-you-eligible" class="btn btn-left btn-link fracs scrollTo">Are you eligible?</a></li> <li role="presentation"><a href="#are-your-kids-eligible" class="btn btn-left btn-link fracs scrollTo">Are your kids eligible</a></li> <li role="presentation"><a href="#how-the-marketplace-works" class="btn btn-left btn-link fracs scrollTo">How The Marketplace works</a></li> </ul> </div> </li> <li role="presentation"> <a href="/Health-Insurance-Marketplace/Individuals-and-Families/Why-Do-You-Need-It" class="btn btn-solid btn-block btn-left btn-solid_secondary" aria-expanded="false" aria-controls="navWhyDoYouNeedIt">Why do you need it?</a> <div class="collapse" id="navWhyDoYouNeedIt"> <ul class="nav nav-list"> <li role="presentation"><a href="#7-reasons" class="btn btn-left btn-link fracs scrollTo">7 reasons</a></li> </ul> </div> </li> <li role="presentation"> <a href="/Health-Insurance-Marketplace/Individuals-and-Families/The-Costs" class="btn btn-solid btn-block btn-left btn-solid_secondary" aria-expanded="false" aria-controls="navTheCosts">The costs</a> <div class="collapse" id="navTheCosts"> <ul class="nav nav-list"> <li role="presentation"><a href="#financial-assistance" class="btn btn-left btn-link fracs scrollTo">Financial assistance</a></li> <li role="presentation"><a href="#delaware-rates" class="btn btn-left btn-link fracs scrollTo">2021/22 <abbr title="Delaware">DE</abbr> rates</a></li> <li role="presentation"><a href="#find-a-plan" class="btn btn-left btn-link fracs scrollTo">Find a plan</a></li> </ul> </div> </li> <li 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href="#healthcare.gov" class="btn btn-left btn-link fracs scrollTo">Healthcare.gov</a></li> <li role="presentation"><a href="#insurance-provider" class="btn btn-left btn-link fracs scrollTo">Insurance provider</a></li> <li role="presentation"><a href="#childrens-health-insurance-program" class="btn btn-left btn-link fracs scrollTo"><abbr title="Children's Health Insurance Program">CHIP</abbr></a></li> <li role="presentation"><a href="#protect-yourself-against-identity-fraud" class="btn btn-left btn-link fracs scrollTo">Protect yourself against <span class="text-nowrap">identity fraud</span></a></li> </ul> </div> </li> <li role="presentation"> <a href="/Health-Insurance-Marketplace/Individuals-and-Families/Already-Enrolled" class="btn btn-solid btn-block btn-left btn-solid_secondary" aria-expanded="false" aria-controls="navUsingInsurance">Already enrolled?</a> <div class="collapse" id="navUsingInsurance"> <ul class="nav nav-list"> <li role="presentation"><a href="#heres-how-to-use-it" 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