State profile · DE · CMS + NAIC
Insurance in Delaware
How health insurers handle claims in Delaware, and what drivers pay for auto cover — measured from CMS Transparency-in-Coverage and NAIC data.
- 15.5%
- Avg claims denied
- #24
- denial rank of 31
- $1462
- Avg auto / yr
- +14%
- Auto, 5-yr
- 3
- Insurers w/ data
The verdict
Marketplace insurers in Delaware deny 15.5% of claims — below the 21% national average, the 24th-highest of 31 states, and drivers pay an average $1462 a year for auto cover, more than the $1191 national average.
- 15.5%
- avg claims denied
- #24
- of 31 states
- $1462
- avg auto / yr
- 52%
- highest (AmeriHealth Carita)
Denial rates are aggregate marketplace figures from CMS filings; auto figures are NAIC average expenditures. State regulation, risk pool and plan design all shape these numbers.
Highest claim-denial rates in Delaware
Health insurers by share of marketplace claims denied (≥1,000 claims on file)
- AmeriHealth Caritas VIP
AmeriHealth Caritas VIP Next, Inc.: 51.8% denied (1,910 of 3,688)
51.8 % of claims denied
- Aetna Health Inc. (a PA
Aetna Health Inc. (a PA corp.): 31.3% denied (22,590 of 72,242)
31.3 % of claims denied
- Highmark BCBSD 14.3
Highmark BCBSD Inc.: 14.3% denied (156,412 of 1,093,110)
14.3 % of claims denied
What this shows These carriers deny the largest share of marketplace claims filed in Delaware. Denial rates reflect plan design and network rules as much as carrier behaviour.
Health insurers in Delaware, by denial rate
3 insurers reporting marketplace claims in Delaware
| # | Insurer | Claim denial rate | Claims |
|---|---|---|---|
| 1 | AmeriHealth Caritas VIP Next, Inc. F | 3,688 | |
| 2 | Aetna Health Inc. (a PA corp.) D | 72,242 | |
| 3 | Highmark BCBSD Inc. B | 1,093,110 |
Auto insurance in Delaware
Auto premiums in Delaware are climbing
Average annual auto-insurance expenditure by year (NAIC)
- 2019
2019: $1287 average expenditure
$1,287 avg expenditure
- 2020
2020: $1251 average expenditure
$1,251 avg expenditure
- 2021
2021: $1257 average expenditure
$1,257 avg expenditure
- 2022
2022: $1296 average expenditure
$1,296 avg expenditure
- 2023
2023: $1462 average expenditure
$1,462 avg expenditure
What this shows Delaware drivers' average auto cost rose 14% between 2019 and 2023.
What the data shows for Delaware
Delaware's marketplace insurers denied 15.5% of submitted claims in the CMS data, the 24th-highest rate of the 31 states with federal marketplace filings. Denial rates this far below the 21% national average usually reflect the state's mix of plan types and risk pool rather than any single carrier — Medicaid managed-care and narrow-network plans route more claims through utilization review.
On the auto side, drivers in Delaware pay an average $1462 a year — more than the $1191 national average — split across $962 liability, $423 collision and $184 comprehensive premiums. That figure has moved up 14% since 2019, tracking the national surge in repair and medical-claim costs.
Because rate regulation, licensing and guaranty-fund coverage are set state by state, an insurer's record in Delaware can differ from its national average — which is why the state view matters for local consumers. Source: CMS Transparency in Coverage PUF PY2025, cms.gov. Source: NAIC 2023 Auto Insurance Database; state commissioner registry, NAIC member directory.
For Delaware residents
Use the state view before you buy or appeal a denial here.
- Check a specific carrier's full national and per-state record. Browse insurers
- Compare Delaware's auto costs against the rest of the country. Auto rankings
- Denied a claim in this state? Walk through the appeal process. Appeal a denial
Verify coverage availability and terms directly with any insurer or a licensed agent. Informational only — not insurance advice.
Data: CMS Transparency in Coverage PUF PY2025 (per-state claim denials) · NAIC 2023 Auto Insurance Database. State commissioner links from the NAIC member directory. Not affiliated with NAIC or CMS. Read our methodology.