{"data":{"id":"us-de/18-del.-c.-3610","jurisdiction":"us-de","citation":"18 Del. C. § 3610","heading":"Comprehensive health insurance coverage [For application of this section, see 79 Del. Laws, c. 99, § 19].","body":"(a) Coverage for essential health benefits package. —\nA health insurer that offers health insurance coverage in the individual market shall ensure that such coverage includes the essential health benefits package in conformity with § 1302 of the Patient Protection and Affordable Care Act [42 U.S.C. § 18022], as the law and its implementing regulations were in effect on January 1, 2025, and state law. The Commissioner shall issue a regulation setting forth what constitutes “essential health benefits” for purposes of this section.\n(b) Cost-sharing under individual health insurance policies. —\nAn individual health insurance policy shall ensure that any annual cost-sharing imposed under the plan does not exceed the limitations provided for under § 1302(c)(1) of the Patient Protection and Affordable Care Act [42 U.S.C. § 18022(c)(1)], as the law and its implementing regulations were in effect on January 1, 2025, and state law.\n(c) Child-only plans. —\nIf a health insurer offers health insurance coverage in any level of coverage specified under § 1302(d) of the Patient Protection and Affordable Care Act [42 U.S.C. § 18022(d)], as the law and its implementing regulations were in effect on January 1, 2025, or state law, the health insurer shall also offer such coverage in that level as a plan in which the only enrollees are individuals who, as of the beginning of the plan year, are under age 21.\n(d) Dental only. —\nThis section does not apply to a plan described in § 1311(d)(2)(B)(ii) of the Patient Protection and Affordable Care Act [42 U.S.C. § 18031(d)(2)(B)(ii)], as the law and its implementing regulations were in effect on January 1, 2025.","path":["Title 18. Insurance Code","Insurance","CHAPTER 36. Individual Health Insurance Minimum Standards"],"source_url":"https://delcode.delaware.gov/title18/c036/index.html#3610","current_through":"2026-08-10 (85 Del. Laws, c. 421, 424)","vintage":"","retrieved_at":"2026-09-05T23:02:24Z","sha256":"d222650ea2c1a04260fc4507bc1f4fd6387d76e7522736a2f236f8e1850d9add","source_id":"us-de","stale":true,"prev":"us-de/18-del.-c.-3609","next":"us-de/18-del.-c.-3611"},"notice":"GroundRules: Original legal text. Not legal advice."}