Delaware insurance laws

What Delaware has enacted on insurance, what each law requires, and what the bills still moving would do. Delaware is one of 51 states that enacted an insurance law in the 2025 and 2026 sessions.

Bills in scope
30bills in scope
Past committee
27past committee
Most recent action
30 September 2026most recent action

Insurance laws enacted in Delaware

24 insurance laws enacted in the Delaware Legislature in the 2025 and 2026 sessions, newest first. Each links to the legislature's own page.

  • HB 299AN ACT TO AMEND TITLE 18 OF THE DELAWARE CODE RELATING TO LIFE INSURANCE POLICY EXCLUSIONS AND RESTRICTIONS BASED ON DEATH RESULTING FROM SUICIDE.Takes effect 30 March 2027

    What it requires: Insurers must not deliver or issue life insurance policies in Delaware that exclude or restrict coverage for death by suicide for more than 1 year from the date of policy issue. If an insurer denies a death benefit because the insured died by suicide within 1 year of issue, the insurer must refund all premiums paid for the coverage providing the denied benefit.

    Life insurance and annuities

  • HB 406AN ACT TO AMEND TITLE 18 OF THE DELAWARE CODE RELATING TO UNFAIR TRADE PRACTICES IN AUTOMOBILE INSURANCE.Enacted 30 September 2026

    Auto insurance

  • SB 189ACT TO AMEND TITLE 18 OF THE DELAWARE CODE RELATING TO UNFAIR PRACTICES IN THE INSURANCE BUSINESS.Enacted 24 September 2026

    What it requires: An individual seeking to rescind a release of a claim must return a notice of rescission and settlement proceeds to the releasee, releasee's legal representative, or insurance carrier confirmed by certified mail, certificate of mailing, ACH tracking number, or other recognized method of funds tracking. A release must be signed within 30 days of the motor vehicle accident to be subject to this Act.

    Auto insurance

  • SB 120AN ACT TO AMEND TITLES 18, 29, AND 31 OF THE DELAWARE CODE RELATING TO HEALTH INSURANCE.Enacted 8 September 2026

    What it requires: Insurers, health-benefit plans, and health-service corporations must provide coverage for biomarker testing when medically necessary and supported by FDA approvals, drug labels, CMS determinations, or nationally recognized clinical practice guidelines. Coverage must limit disruptions in care including multiple biopsies. Excludes screening and investigational tests.

    Health coverage and plan regulation

  • SB 22AN ACT TO AMEND TITLE 18 OF THE DELAWARE CODE RELATING TO INSURANCE COVERAGE.Enacted 8 September 2026

    What it does: Defines 'serious mental illness' using DSM-5 diagnostic criteria and allows health insurers to impose precertification, prior authorization, and referral requirements only for mental health disorders that do not meet this definition or for substance use disorders.

    Health coverage and plan regulation

  • SB 271AN ACT TO AMEND TITLE 18 OF THE DELAWARE CODE RELATING TO PHARMACY BENEFITS MANAGERS.Enacted 8 September 2026

    What it requires: Pharmacy benefits managers must provide 14 days' notice before initial on-site audits, conduct audits under uniform standards, limit audits to once every 12 months, bear all audit costs, respond to appeals within 10 calendar days, provide 60 days' notice before amending contracts, and reimburse pharmacies at least the national average drug acquisition cost or wholesale acquisition cost as of the date of service.

    Health coverage and plan regulation

  • SB 319AN ACT TO AMEND TITLE 18, TITLE 29, AND TITLE 31 OF THE DELAWARE CODE RELATING TO COVERAGE FOR DIAGNOSTIC SERVICES AND TREATMENT FOR MENOPAUSE, PERIMENOPAUSE, AND MENOPAUSE AND PERIMENOPAUSE SYMPTOMS.Enacted 8 September 2026

    What it requires: Insurers and carriers must provide coverage for medically necessary diagnostic services and treatment for menopause, perimenopause, and related symptoms in individual health insurance policies, group and blanket health insurance policies, state employee health plans, and state Medicaid plans. Coverage for medically necessary hormone replacement therapy cannot be denied, limited, or subject to prior authorization or step therapy if supported by national clinical guidelines, national standards of care, or peer-reviewed medical literature.

    Health coverage and plan regulation

  • SB 334AN ACT TO AMEND TITLES 18 AND 29 OF THE DELAWARE CODE RELATING TO HEALTH CARE.Takes effect 1 January 2028

    What it requires: Carriers requiring provider credentialing must use uniform credentialing applications beginning January 1, 2028, establish written credentialing policies, verify credentials before contracting, and render credentialing decisions within 30 days of clean applications. Carriers must provide provisional credentials to certain health care professionals and cannot charge application fees.

  • HB 200AN ACT TO AMEND TITLE 18, TITLE 29, AND TITLE 31 OF THE DELAWARE CODE RELATING TO INSURANCE COVERAGE FOR TREATMENT TO PREVENT HIV INFECTION.Enacted 31 August 2026

    What it requires: Health benefit plans must cover at least one FDA-approved therapeutic equivalent version each of PrEP and PEP medications without cost-sharing, prior authorization, or step therapy requirements. Plans must also cover medically necessary essential support services including HIV testing, hepatitis testing, kidney function assessment, pregnancy testing, STI screening and counseling, and adherence counseling.

    Health coverage and plan regulation

  • SB 340AN ACT TO AMEND TITLE 16 OF THE DELAWARE CODE RELATING TO LONG TERM CARE FACILITIESEnacted 31 August 2026

    What it does: This amendment exempts long-term care facilities owned and operated by the State from the requirements of Senate Bill No. 340, which amends Title 16 of the Delaware Code relating to long-term care facilities.

    Workers' compensation, surety and specialty lines

  • SB 45AN ACT TO AMEND TITLE 11 OF THE DELAWARE CODE RELATING TO INSURANCE FRAUD.Enacted 24 June 2026

    What it does: Amends Title 11 of the Delaware Code to raise the aggregate value threshold for application insurance fraud from $1,000 to $1,500 to constitute a class G felony.

    Licensing, solvency and market conduct

  • SB 238AN ACT TO AMEND TITLE 24, TITLE 29, AND TITLE 31 OF THE DELAWARE CODE RELATING TO INSURANCE COVERAGE FOR CHIROPRACTIC THERAPY AND PHYSICAL THERAPY.Enacted 28 April 2026

    Health coverage and plan regulation

  • HB 74AN ACT TO AMEND TITLE 18 OF THE DELAWARE CODE RELATING TO INSURANCE EXAMINATIONS.Enacted 25 August 2025

    What it does: Amends Delaware Code Title 18 Section 321 to clarify that disclosure of documents, materials, or information to the Insurance Commissioner does not waive any applicable privilege or claim of confidentiality.

    Licensing, solvency and market conduct

  • SB 12AN ACT TO AMEND TITLE 18 AND TITLE 29 OF THE DELAWARE CODE RELATING TO THE DELAWARE PRE AUTHORIZATION ACT OF 2025.Enacted 25 August 2025

    What it requires: Health-care providers and consulting health-care providers must not receive compensation that is contingent upon the outcome of reviews of clean pre-authorization requests or appeals from adverse determinations. The act clarifies that health-care providers may determine that covered health-care services delivered on an expedited basis are urgent health-care services.

    Health coverage and plan regulation

  • SJR 7DIRECTING THE STATE EMPLOYEE BENEFITS COMMITTEE AND THE SECRETARY OF HUMAN RESOURCES TO ENGAGE WITH INDEPENDENT CONSULTANTS AND OTHER SUPPLY CHAIN TACTICS FOR COST CONTAINMENT OF PRESCRIPTION DRUGS FOR STATE EMPLOYEES AND RETIREES’ INSURANCE PROGRAMS.Enacted 25 August 2025

    What it does: This amendment clarifies that strategies and policies guiding the State Employee Benefits Committee and Secretary of Human Resources in engaging consultants and supply chain tactics for prescription drug cost containment must be consistent with applicable State and federal law.

    Health coverage and plan regulation

  • HB 128AN ACT TO AMEND TITLE 19 OF THE DELAWARE CODE RELATING TO THE FAMILY AND MEDICAL LEAVE INSURANCE PROGRAM.Enacted 30 July 2025

    What it requires: Individuals filing new claims for family and medical leave benefits must disclose child support obligations. The Department must notify child support enforcement agencies of eligible individuals and deduct and withhold child support obligations from benefits. Employers with private plans need not provide claim documentation to the Department unless there is an appeal, complaint, audit, or specific inquiry.

    Health coverage and plan regulation

  • HB 139AN ACT TO AMEND TITLE 18 OF THE DELAWARE CODE RELATING TO LINE-OF-DUTY HEARINGS.Enacted 30 July 2025

    Workers' compensation, surety and specialty lines, Licensing, solvency and market conduct

  • HB 55AN ACT TO AMEND THE DELAWARE CODE RELATING TO PROHIBITED DISCRIMINATION ON THE BASIS OF MILITARY STATUS.Enacted 23 July 2025

    What it requires: Owners, lessees, proprietors, managers, and employees of places of public accommodation, housing providers, employers, employment agencies, labor organizations, insurance companies, and charter schools must not discriminate based on military status. Military status includes members of uniformed forces, reserve components, veterans, and dependents of servicemembers. Distinctions allowed by state, federal law, or government contract are excepted.

    Health coverage and plan regulation

  • HB 209AN ACT TO AMEND TITLE 18 OF THE DELAWARE CODE RELATING TO HEALTH CARE AND THE PATIENT PROTECTION AND AFFORDABLE CARE ACT.Enacted 21 July 2025

    What it requires: Health insurers offering group or individual health insurance coverage must ensure coverage includes essential health benefits, establish special enrollment periods of 30 calendar days for qualifying events, comply with nondiscrimination provisions, and limit annual cost-sharing, all as defined under the Patient Protection and Affordable Care Act as in effect January 1, 2025.

    Health coverage and plan regulation

  • SB 145AN ACT TO AMEND TITLE 19 OF THE DELAWARE CODE RELATING TO WORKERS' COMPENSATION PAYMENTS.Enacted 30 June 2025

    What it requires: Insurance carriers and self-insurers must print specified language on the reverse side of disability payment checks above the endorsement, or on direct deposit authorization forms. Direct deposit forms must be dated and signed by both claimant and carrier or self-insurer. Employers who self-insure must report total payroll annually by January 30.

    Workers' compensation, surety and specialty lines

  • SJR 6DIRECTING THE DIVISION OF MEDICAID & MEDICAL ASSISTANCE TO EXPLORE CHILDREN'S HEALTH INSURANCE PROGRAM INITIATIVES.Enacted 24 June 2025
  • SJR 2REQUIRING THE DIVISION OF MEDICAID AND MEDICAL ASSISTANCE TO PRESENT THE GENERAL ASSEMBLY WITH A REPORT AND PLAN TO PROVIDE INSURANCE COVERAGE FOR COMMUNITY HEALTH WORKER SERVICES.Enacted 22 May 2025

    What it requires: The Division of Medicaid and Medical Assistance, in collaboration with stakeholder groups including the Community Health Workers Association of Delaware, must present the General Assembly with a plan for insurance coverage for Community Health Worker services by January 1, 2026, including a draft State plan amendment or waiver as appropriate.

    Health coverage and plan regulation

  • HB 18AN ACT TO AMEND TITLE 18 OF THE DELAWARE CODE RELATING TO LICENSING FEES AND DEPARTMENT OF INSURANCE FUNDING.Enacted 7 May 2025

    Licensing, solvency and market conduct

  • HB 7AN ACT TO AMEND TITLE 18 OF THE DELAWARE CODE RELATING TO TAXES.Enacted 14 April 2025

    What it does: Amends Delaware tax code section 702 to clarify that taxes imposed under sections 703, 704, 707, 1917, and 6914 are payable according to the specified installment schedule, resolving an internal inconsistency regarding tax payment timing for captive insurance companies and surplus lines brokers.

    Workers' compensation, surety and specialty lines, Licensing, solvency and market conduct

Insurance in Delaware, by topic

Insurance bills in Delaware

The bills not yet law, furthest along first, with what each would do.

24Enacted

3Past committee

3Introduced or inactive

30 bills in scope

Past committee

3

HB 467AN ACT TO AMEND TITLE 25 OF THE DELAWARE CODE RELATING TO RENTERS INSURANCE.Passed chamber

What it would do: Prohibits landlords from requiring tenants to obtain renters insurance from a specific insurer or provider, while allowing landlords to require tenants maintain renters insurance meeting specified coverage requirements in the rental agreement.

SCR 111ESTABLISHING AN AUTOMOBILE INSURANCE REFORM TASK FORCE FOR THE DEVELOPMENT OF CONSUMER COST-SAVING LEGISLATION, REGULATIONS, AND POLICIES.Passed chamber

What it would do: Establishes an Automobile Insurance Reform Task Force to develop a medical cost schedule and make written recommendations to the General Assembly and Insurance Commissioner by January 30, 2026, on ways to reduce automobile insurance costs for consumers.

HB 181AN ACT TO AMEND TITLE 19 OF THE DELAWARE CODE RELATING TO FAMILY AND MEDICAL LEAVE INSURANCE PROGRAM.Passed committee

What it would do: Amends penalties for Family and Medical Leave Insurance Program violations, making violations of leave protections and retaliation prohibitions effective immediately, while delaying other violations until January 1, 2027.

Introduced or inactive

3

SB 360AN ACT TO AMEND TITLE 19 OF THE DELAWARE CODE RELATING TO THE FAMILY AND MEDICAL LEAVE INSURANCE PROGRAM.In committee

What it would do: Removes the 12-month employment duration requirement for eligibility in Delaware's Family and Medical Leave Insurance Program, allowing individuals who meet the 1,250 hours of service requirement in less than 12 months to qualify.

HB 179AN ACT TO AMEND TITLE 19 OF THE DELAWARE CODE RELATING TO FAMILY AND MEDICAL LEAVE INSURANCE PROGRAM.In committee

What it would do: Amends the definition of employer under Delaware's Family and Medical Leave Insurance Program to exclude employers with fewer than 25 employees, and establishes that employers with 10-24 employees are subject only to parental leave provisions while employers with 25 or more employees are subject to all leave provisions.

SB 117AN ACT AMEND TITLE 18 AND TITLE 29 OF THE DELAWARE CODE RELATING TO HEARING AID COVERAGE FOR INDIVIDUALS YOUNGER THAN 24 YEARS OLD.In committee

What it would do: Requires individual, group, and blanket health insurers and the State employee health plan to cover the full cost of medically necessary hearing aids and earmolds for dependents younger than 24 years old, including hearing care professional services, with coverage at least every 3 years for hearing aids and annually for earmolds.

Bill titles link to the Delaware Legislature's own page.

What LawSignals covers

What counts as insurance legislation

In scope: Health coverage and plan regulation; auto; property and catastrophe; life and annuities; aI and data in underwriting; workers' compensation and specialty lines; and licensing, solvency and market conduct.

Questions

Does Delaware have an insurance law?

Yes. Delaware enacted 24 insurance laws in the 2025 and 2026 sessions, among them HB 299, HB 406 and SB 189. Each is listed on this page with what it requires.

When do Delaware's insurance laws take effect?

HB 299 on 30 March 2027 and SB 334 on 1 January 2028. The others have no single date in their text.

Which insurance bills are moving in Delaware?

3 bills not yet law have passed a committee or a chamber, the furthest along HB 467 (passed chamber), SCR 111 (passed chamber) and HB 181 (passed committee).

What does Delaware legislate on most in insurance?

Health coverage and plan regulation (14 bills), Licensing, solvency and market conduct (6 bills) and Workers' compensation, surety and specialty lines (4 bills).

Are these summaries reviewed by a lawyer?

No. Which bills count as Insurance bills, and the line on what each law requires or each bill would do, are drafted by software from the bill's own text and not reviewed by an attorney. Every bill links to the legislature's own record: read the text before relying on it. The list covers bills from the 2025 and 2026 sessions.

Other practice areas in Delaware

Insurance legislation in other jurisdictions

52 more currently hold bills in this tracker

Know when Delaware's insurance law changes

An alert when a bill moves, and one report a month on what changed in every state and Congress.

Track insurance laws freeAbout the Insurance Tracker