Paul Zane Pilzer

  

  




State-by-State Guide to       

Individual/Family Health Insurance

 
Delaware Insurance Commissioner
(302) 739-6775
www.state.de.us/inscom/default.shtml
Guaranteed Issue   
Community Rated   

DE



 

Average Cost for an Individual Policy Sold in 2004: $131/month*
(single, average age 34, healthy)
*From 82,000 policies sold nationally online in 2004, see first page of Appendix A.

Typical Healthy Individual/Family Coverage
 

Traditional Co-Pay
Policy*

HSA/High-Deductible
Policy*
  Single Family Single Family
Monthly Premium $143 $480 $88 $237
Annual Deductible $750 $750 $2,600 $5,150
Annual Out-of-Pocket Max $10,000 $10,000 None None
Doctor Visit Co-Pay $35 $35 -- --
Prescription Co-Pay $20-50 + $250 ded $20-50 + $250 ded -- --
Lifetime Maximum $3 million $3 million pp $3 million $3 million pp
*Golden Rule Copay 35; single applicant (M/35); family applicant (M/35), spouse (F/35), children (F/8, M/5) from Dover, DE 19901; quoted 5.2.05.
Golden Rule Single/Family HSA 100 Plan; single applicant (M/35); family applicant (M/35), spouse (F/35), children (F/8, M/5) from Dover, DE 19901; quoted 5.2.05.

State-Guaranteed Coverage for
People with Preexisting Conditions

Individual HIPAA-Eligible Applicant Policy*
Monthly Premium Annual Deductible Annual OOP Max Doctor Visit Co-Pay Prescription Co-Pay Lifetime Maximum
$709 $250 $3,000 0% for first $150 then 30% Not Covered $3 million

*Blue Classic Basic HIPAA— Delaware; single applicant (M/35) quoted 5.11.05 from www.carefirst.com.

HIPAA-eligible individuals: Delaware requires Delaware-licensed insurance companies to offer a minimum of two policies without medical underwriting to HIPAA-eligible individuals.

Delaware only guarantees coverage to residents with health issues who are HIPAA-eligible or low-income individuals.

Excerpted from The New Health Insurance Solution

 
 
  ADDITIONAL RESOURCES FOR THE NEW HEALTH INSURANCE SOLUTION
   



New Health Insurance Solutions for individuals, families, self-employeds, and businesses.

  



View the basic chapter table, expanded topical table, and pdf table of contents.

  



View the html or download a pdf version of the October 2005 press release.

    



Read excerpts on each topic discussed in The New Health Insurance Solution.



Read full reviews of The New Health Insurance Solution by Newsweek, The Wall Street Journal, Forbes, etc.



Read selected portion of reviews by Newsweek, CNN, The Wall Street Journal, Forbes, etc.
   



Read endorsements of The New Health Insurance Solution.

  



View other books written by New York Times best-selling author Paul Zane Pilzer.

  



View contact information including phone numbers and email addresses for book publicist, author, etc.