How to Apply for Medicaid in Delaware: Complete Guide for 2026

If you live in Delaware and need affordable health coverage, Medicaid may be the right option for you. Delaware expanded Medicaid under the Affordable Care Act in 2014, which means more residents can qualify for free or low-cost healthcare. Whether you are applying for yourself, your children, or a family member, understanding the eligibility rules and application process can save you time and stress. This guide walks you through everything you need to know about how to apply for Medicaid in Delaware in 2026.

Not sure if Medicaid is right for you? Check your eligibility for multiple benefits programs in just a few minutes. You can also visit the Delaware Benefits Overview page for a full list of assistance programs available in the state.

Who Qualifies for Medicaid in Delaware?

Delaware Medicaid is managed by the Division of Medicaid and Medical Assistance (DMMA), which falls under the Delaware Department of Health and Social Services (DHSS). To qualify, you must be a Delaware resident and a U.S. citizen or qualified non-citizen. You must also meet income requirements that vary depending on your age, household size, and category.

Delaware is a Medicaid expansion state, which means adults under 65 with household incomes up to 138% of the Federal Poverty Level (FPL) can qualify, even if they do not have children. Children and pregnant women have higher income thresholds.

Delaware Medicaid Eligibility Categories

Adults (ages 19 to 64): Income up to 138% FPL
Children (birth to age 1): Family income up to 217% FPL
Children (ages 1 to 5): Family income up to 147% FPL
Children (ages 6 to 18): Family income up to 138% FPL
Pregnant women: Family income up to 217% FPL (coverage continues for 12 months postpartum)
Elderly and disabled individuals: Must meet specific income and asset limits

Children ages 1 to 18 who do not qualify for Medicaid but whose family income is under 217% FPL may be eligible for the Healthy Children Program, which is Delaware's version of the Children's Health Insurance Program (CHIP).

Delaware Medicaid Income Limits for 2026

Income limits are based on the Federal Poverty Level, which is updated each year. The table below shows the approximate monthly income limits for the most common Medicaid categories in Delaware. Note that a 5% income disregard is built into these figures for most categories.

Household Size	Adults (138% FPL)	Children 0-1 (217% FPL)	Children 1-5 (147% FPL)	Pregnant Women (217% FPL)
1	$1,732/mo	$2,724/mo	$1,845/mo	$2,724/mo
2	$2,352/mo	$3,698/mo	$2,505/mo	$3,698/mo
3	$2,971/mo	$4,671/mo	$3,164/mo	$4,671/mo
4	$3,588/mo	$5,644/mo	$3,824/mo	$5,644/mo
5	$4,206/mo	$6,617/mo	$4,483/mo	$6,617/mo
6	$4,825/mo	$7,590/mo	$5,143/mo	$7,590/mo

These figures are estimates based on 2025 FPL guidelines. For the most current income thresholds, visit the DMMA income limits page or use the Delaware ASSIST screening tool.

Income is calculated using Modified Adjusted Gross Income (MAGI) for most applicants. MAGI includes wages, salary, self-employment income, Social Security benefits, and certain other types of income. Some deductions, such as student loan interest and IRA contributions, may be subtracted.

How to Apply for Medicaid in Delaware: Step by Step

There are several ways to submit your Medicaid application in Delaware. Choose the method that works best for you.

Step 1: Gather Your Documents

Before you begin, collect the following information for each person in your household who needs coverage:

Social Security numbers
Dates of birth
Proof of Delaware residency (utility bill, lease, or mail with your address)
Proof of citizenship or immigration status
Pay stubs or other income verification from the past 30 days
Tax return information (if available)
Information about any current health insurance

Step 2: Choose Your Application Method

You can apply for Medicaid in Delaware through any of these channels:

Online (recommended)

Apply through Delaware ASSIST, the state's online application portal for social services
You can also apply at HealthCare.gov, which will route Medicaid-eligible applicants to the state program

By Phone

Call the Delaware DHSS helpline at 1-800-372-2022 or 302-255-9500
Representatives can help you start your application or request that a paper application be mailed to you

In Person

Visit your local Division of Social Services (DSS) office
Call 1-800-372-2022 to find the nearest office location
Offices are available in New Castle, Kent, and Sussex counties

By Mail

Call 1-800-372-2022 to request a paper application
Complete it and mail it to your local DSS office

Step 3: Complete the Application

Whether you apply online or on paper, you will need to provide:

Personal details for everyone in your household
Income and employment information
Information about other health coverage
Details about your living situation

The Delaware ASSIST system will walk you through the application process with prompts and instructions. If you need help, community organizations and navigators can assist you at no cost.

Step 4: Submit Supporting Documents

After submitting your application, you may be asked to provide additional documents to verify your information. You can upload documents through ASSIST, fax them, or bring them to a DSS office. Respond to any requests promptly to avoid delays.

Step 5: Wait for a Decision

Delaware typically processes Medicaid applications within 30 days (90 days for disability-based applications). You will receive a notice in the mail letting you know whether you have been approved or denied. If approved, your coverage may be effective as early as the date you submitted your application.

What Medicaid Covers in Delaware

Delaware Medicaid provides comprehensive health coverage, including:

Doctor visits and specialist care
Hospital stays (inpatient and outpatient)
Prescription medications
Mental health and substance abuse treatment
Preventive care and screenings
Lab tests and X-rays
Emergency room visits
Dental care (limited for adults, more comprehensive for children)
Vision care
Transportation to medical appointments
Home health services

Most Medicaid enrollees in Delaware receive coverage through managed care plans under the Diamond State Health Plan.

Special Programs and Situations

Long-Term Care Medicaid

If you or a family member needs nursing home care or home and community-based services, Delaware has separate Medicaid programs with different eligibility rules. For long-term care applications, contact the Medicaid Central Intake Unit at 1-866-940-8963. Income and asset limits apply: as of 2026, the income limit for nursing home Medicaid is approximately $2,485 per month, and the asset limit is $2,000 for a single applicant.

Medicaid for Workers with Disabilities

Delaware offers a Medicaid Buy-In program for working individuals with disabilities. This allows people who earn above standard Medicaid income limits to purchase Medicaid coverage at an affordable premium. Contact DHSS for details on eligibility and enrollment.

Healthy Children Program (CHIP)

Children who do not qualify for Medicaid but whose family income is at or below 217% FPL may qualify for the Healthy Children Program. This program provides health coverage similar to Medicaid for children ages 1 through 18. You can apply through the same ASSIST portal.

Tips for a Successful Application

Apply as soon as possible. Medicaid coverage can be backdated up to three months before your application date if you were eligible during that time.
Be accurate. Double-check all information before submitting. Errors can cause delays or denials.
Respond quickly to requests. If DHSS asks for additional documents, submit them right away. Failure to respond can result in your application being closed.
Keep copies. Save copies of everything you submit, including your application and supporting documents.
Ask for help. If you are unsure about anything, call 1-800-372-2022 or visit a local DSS office.

What to Do If Your Application Is Denied

If your Medicaid application is denied, the denial letter will explain the reason. You have the right to appeal the decision. To request a fair hearing, follow the instructions in your denial notice. You typically have 30 days from the date of the notice to file an appeal.

While waiting for your appeal, explore other options:

You may qualify for subsidized health insurance through the Health Insurance Marketplace
Check your eligibility for other benefits programs that may help with healthcare costs, food assistance, and more

Frequently Asked Questions

How long does it take to get approved for Medicaid in Delaware?

Most applications are processed within 30 days. Disability-related applications may take up to 90 days. You can check your application status through Delaware ASSIST or by calling 1-800-372-2022.

Can I apply for Medicaid at any time?

Yes. Unlike marketplace health insurance, Medicaid does not have an open enrollment period. You can apply at any time throughout the year.

What if my income changes after I am approved?

You are required to report changes in income, household size, or other circumstances to DHSS. Changes may affect your eligibility or the level of coverage you receive. You can report changes through ASSIST or by calling your local DSS office.

Does Delaware Medicaid cover dental and vision?

Yes. Delaware Medicaid covers dental services, though adult dental benefits are more limited than those for children. Vision care, including eye exams, is also covered. Check with your managed care plan for specific details about covered services.

Can non-citizens apply for Medicaid in Delaware?

Qualified non-citizens, including lawful permanent residents, refugees, and asylees, may be eligible for Medicaid. Some categories of non-citizens must wait five years before qualifying. Emergency Medicaid is available to individuals regardless of immigration status for emergency medical conditions.

What is Delaware ASSIST?

Delaware ASSIST (Application for Social Services and Internet Screening Tool) is the online portal where you can apply for Medicaid and other social services programs, including SNAP (Food Supplement Program), TANF, and childcare assistance. Visit assist.dhss.delaware.gov to get started.

Additional Resources

Applying for Medicaid in Delaware does not have to be complicated. Start by checking your eligibility, gather your documents, and choose the application method that works best for you. If you need help along the way, Delaware DHSS staff and community organizations are available to guide you through the process.