The Costs

The cost of buying health coverage is a fraction of what you would pay out of your own pocket if you were uninsured and became seriously ill or injured. Plus, health insurance gives you access to an entire network of care, for a single premium.

You Can’t Afford Not to Be Insured

More than 8 out of 10 people who enrolled in Delaware received help paying for their insurance.

Calculate your penalty

Not having health insurance is against the law. If you don’t have it, you could pay a costly penalty* that gets larger every year you don’t have health insurance. Calculate what your penalty might be below.

Calculate your tax penalty

Adjusted gross income (AGI) is the amount you make each year that you use on your tax return.

My household size:

*Some people who don’t have health insurance may be exempt from paying a penalty. This calculation is a rough estimate and does not take into account factors like tax-exempt interest, exempt earnings from abroad or the modified AGI of dependents. It is meant to give you a rough idea of what your tax penalty could be. Learn more about how the fee is calculated.

The penalty is the bad news. The good news is there are plans that are affordable. So why pay not to be covered? When you have insurance and pay your premiums, you can enjoy all these benefits at no additional out-of-pocket cost to you:

  • Prescription drugs
  • Outpatient care
  • Emergency services
  • Hospital services
  • Maternity and newborn care
  • Mental health services
  • Blood work and lab services
  • Routine shots and screenings
  • Help with chronic diseases like diabetes
  • Dental and vision care for your children
  • Substance abuse services

Find out at if you qualify for savings on health care coverage as well as other ways to save on monthly premiums and out-of-pocket costs:

Learn more at about saving money on health insurance.

2016/17 DE Rates

The Delaware Qualified Health Plan (QHP) Rates for Plan Year 2017 (approved by CMS) are available now from

Visit for more information on the new plans and rates .
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