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In Delaware, How Does COBRA Insurance Work?

In Delaware, two types of COBRA insurance are offered: federal COBRA continuation coverage and state continuation coverage. Federal COBRA covers employees who have lost their jobs, while state continuation coverage provides a similar benefit for employees who have left a company with 2-19 employees.

COBRA Eligibility

Delaware Allows

COBRA Alternative:
Save Up To 70%

Try Accident Only Coverage
Covers An Insurance Gap
Until Your Next Work Health Plan Starts

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*Based on age and state availability

Continuing Health Insurance Coverage In Delaware

Please choose:

No Pre-Existing Conditions
Term Medical Gap Coverage

Available in some states, as low as $44/month

Coverage For
Pre-Existing Conditions

$400 – 700/month per individual

Nearing Retirement Age

Learn about Medicare Advantage

Delaware’s Mini-COBRA Law

Delaware’s mini-COBRA law provides continuation coverage for employees who have left a company with 2-19 employees. This law requires the former employer to offer COBRA-like coverage to employees who would otherwise lose their health insurance after leaving the company.

The coverage is similar to COBRA, but the employer is responsible for paying the entire premium instead of splitting the cost with the employee, as is the case with federal COBRA.

The mini-COBRA law aims to provide employees with affordable health insurance options and to ensure that small employers in Delaware are able to provide their former employees with continued coverage.

The duration of mini-COBRA in Delaware is 9 months.

Source: Delaware Law (Code § 3571F)

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Health Insurance For Pre-Existing Conditions In Delaware

If you visit the doctor frequently or take prescription medications, keeping your workplace insurance is a good idea. It’s the same health plan you’ve always had. You will not have to re-start your deductibles because the plan will resume where it left off.

Marketplace / Obamacare

Sometimes state and federal subsidies help offset the premium for individual marketplace insurance.

A loss of work health insurance is a qualifying event to find new healthcare through the public healthcare exchange.

In 2023, the average ACA health plan premium in West Virginia is $542/month per individual, according to the Kaiser Family Foundation.

You May Qualify For A Subsidy

Apply For COBRA

Employer Has 20+ Employees

As an employee, you may continue your most recent work health insurance for up to 18 months. Family members may access the plan for up to 36 months.

You sign up for COBRA with your former employer or their third party.

The premium will be $400 – 700 / month, per insured person.

Delaware Mini-COBRA

Employer Has 19 or fewer Or More Employees

In Delaware, all employers are compelled to offer a continuation of worker’s health insurance. The human resources department or their third-party administrator will notify you on how to apply.

Delaware Allows Accident Only Medical Insurance To Fill An Insurance Gap

In Delaware, you can fill your insurance gap by purchasing an accident-only major medical insurance plan.

Plans start at $44/month.
Based on age and state availability

Accident Only Insurance with Telehealth

Coverage begins as early as midnight tonight.

Pre-existing Conditions Do Not Exclude You From Accident Only Coverage

Plans start at $44/month.
Based on age and state availability

Accidents happen, and the last thing you want to worry about is who or how the bills are going to get paid. With this plan, you can focus on getting care. CAM helps you and your family with the high cost of healthcare resulting from injury or accidents.

Includes Telehealth – Access to prescribing doctors for common issues

Limited Indemnity with Telehealth

Includes Telehealth giving you access to prescribing doctors for common issues.

Core Health Insurance provides guaranteed acceptance Limited Indemnity Medical coverage for your basic medical needs, helping to provide a medical option for people who do not have the luxury of being covered by a comprehensive health insurance plan.

Coverage begins as early as midnight tonight.


After your workplace insurance ends, you’ll sign up for Medicare within 8 months.

In general, you can sign up for Part A and Part B starting three months before your 65th birthday and ending three months after your 65th birthday.

Learn more about Medicare deadlines and how Medicare Advantage plans can replace original Medicare at no cost to you.

COBRA Is Available In All 50 States

Employee continuation of health insurance coverage is not required in all states. When a state lacks laws governing the continuation of work-related medical benefits, the federal COBRA Act protects these rights. Find out more about your state.

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