Delaware Self-Employed Health Insurance

Being self-employed means that you have taken the time to forge your own path and even more so if you have decided to build a business out of your endeavor. 

Building a successful business can be hard work. However, finding affordable self-employed health insurance shouldn't be. Every self-employed person faces unique challenges when it comes to searching for and obtaining health insurance coverage. 

What Options For Health Insurance Does A Self-Employed Individual in Delaware Have?

When evaluating your self-employed health insurance choices in Delaware, you should always consider your options' benefits and costs.

You can choose to get the traditional individual health insurance coverage. They are:

  • HMO
  • PPO
  • HSA
  • POS
  • HRA
  • HSA
  • MSA
  • FSA

You could also choose to go down the route of getting a traditional small business health insurance coverage as long as you run a small business with a minimum of 2 staff and a maximum of 50.

Delaware takes it a step further when it comes to small business health insurance coverage. Business owners can offer a defined contribution health insurance plan to their employees.

Small business owners and other self-employed individuals in Delaware have access to the Small Business Health Options Program or SHOP exchange.

The Delaware exchange is supported by the federal government and makes any business with a maximum of 50 employees eligible for this type of insurance.

When it comes to self-employed health insurance, Delaware actually has an Open Enrollment period. The Open Enrollment Period typically starts from November to January the next year. 

If you’re not a business owner, you can get self-employed insurance as well, just as long as your reported income is via a business with no other employees. 

Benefits of Self-Employed health insurance

  • Self-Employed health insurance is flexible enough to suit your income levels
  • You gain access to subsidies which can lower the cost of your premiums
  • Your monthly premiums can become a deductible line item on your tax returns

Health Insurance Companies Offering Self-Employed Health Insurance In Delaware

  • Highmark Blue Cross Blue Shield
  • UnitedHealthCare

Considering the terms and eligibility requirements can be quite confusing; you really don't want to make the mistake of choosing self-employed health insurance that isn’t suitable for your needs. This is why we at Very Good Coverage decided to make a form that gives you a choice you’d love.

All you need to do is place your information in the form by answering a few questions about your insurance preferences, and before you know it, you have a health insurance quote matched to you.

Try it! Make your insurance work for you!


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