DE SB35

Incorporates Patient Protection and Affordable Care Act consumer protections directly into Delaware law, including prohibitions on preexisting condition exclusions for all ages and guaranteed issue/availability of coverage.

Ties Delaware law references to the ACA as it existed on January 1, 2018, ensuring core consumer protections remain in place despite ongoing legal challenges to the federal law.

Establishes permissible health insurance rating factors limited to: individual vs. family coverage, rating area, age (with 3-to-1 ratio limit for adults 21+), and tobacco use (with 1.5-to-1 ratio limit).

Eliminates outdated provisions requiring preexisting condition exclusions and open enrollment periods the first month of each calendar year for both individual and group health insurance markets.

Requires single statewide rating areas and unified risk pools for all health plans offered by insurers in Delaware, regardless of whether sold through state exchange or directly.