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Delaware health insurance alternatives are available for people who cannot get coverage from their employer. Some people may qualify for state-run help. Most states offer a "risk pool" for those who cannot qualify for private plans because of pre-existing conditions. Delaware does not have a risk pool but they have other options. These include the Delaware Medicaid and Prescription Assistance Program which is income-based and the Delaware Healthy Children Program. This covers children 19 and under whose families are unable to afford insurance but don't qualify for Medicaid. Other alternatives are to buy coverage directly from a company. In Delaware, options include Blue Cross Blue Shield of Delaware, United Healthcare, Celtic Insurance Company, and Aetna. While these are usually more expensive than coverage through an employer, there are variables that can decrease the out-of-pocket cost. As you probably are aware, the type of coverage needed, the copay amount, the deductible, and prescription drug coverage all affect the affordability.
If you do not qualify for the low-cost/no-cost health insurance alternatives, you might have to consider a high-deductible/health plan. These are not cushy plans. If you have a health emergency, you will have to pay a high deductible before a coverage kicks in. Before you purchase one, you should try to set up a either a flexible spending account, a health savings account or a health reimbursement account so that you reap whatever tax benefits are available to you for footing the bill for your own insurance. The links are below.
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