Enrollment options now:

Enrollment for the current plan year ended on February 15, 2015. Outside of open enrollment periods, you can enroll in the Health Insurance Marketplace only under one of these circumstances:

What counts as a “qualifying life event?”

  • Getting married
  • Having, adopting or placement of a child
  • Recent move to Delaware
  • Loss of other health coverage through loss of a job, divorce or loss of eligibility for Medicaid or CHIP
  • Expiration of COBRA coverage

What counts as a “complicated situation?”

  • Certain exceptional circumstances (hospitalization, natural disasters, system outages)
  • System errors related to immigration status
  • Display errors, error messages or other system errors on HealthCare.gov
  • Medicaid/Marketplace transfers
  • Unresolved casework
  • Victims of domestic abuse

What if I am already enrolled in marketplace coverage?

For those already enrolled in Marketplace coverage, a change in income or household status that affects eligibility for tax credits or cost-sharing reductions should also be reported through HealthCare.gov.


1. Enroll online through Healthcare.gov:

Healthcare.gov is the only online source where you can apply for and, if eligible, receive federal tax credits when purchasing and enrolling.

In general, tax credits may be available for individuals whose household income falls between 138% and 400% of the Federal Poverty Limit (FPL).


2. Enroll online directly with an insurance provider:

If you know you are not eligible for the premium tax credit, then you have the option of purchasing insurance from either Healthcare.gov or directly through the insurance company’s website.

In general, individuals whose household income exceeds 400% of the Federal Poverty Limit (FPL) are not eligible for federal tax credits.


3. Apply for Medicaid or Children’s Health Insurance Program (CHIP):

If you or someone in your household think they may be eligible for public health coverage, you can apply online directly through ASSIST.

In general, this is available to those whose household income falls below 138% of the Federal Poverty Limit (or 212% for children and pregnant women).


Five things you need to enroll:

  1. Birth dates of those applying for coverage
  2. Social Security numbers of those applying for coverage
  3. Paystubs, W-2 forms, or other information about your family’s income
  4. Policy/member numbers for any current health coverage
  5. Information about any health coverage from a job that’s available to your or your family
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