Delaware long-term care insurance: cost & coverage

Who regulates long-term care insurance in Delaware

Long-term care insurance policies sold in Delaware are regulated by the Delaware Department of Insurance. If you have a complaint about an agent, carrier, or policy, you can file it with the regulator directly.

What long-term care costs in Delaware

Median assisted living cost in Delaware vs. the national median:

Source: SeniorLiving.org median assisted living costs, 2026. See costs for all 50 states for the full table.

Delaware's LTC Partnership program

Delaware has an active LTC Partnership program. Delaware joined the federal Long-Term Care Partnership Program in November 2011, providing dollar-for-dollar Medicaid asset protection for qualified policies.

A Partnership-qualified policy lets you keep an extra dollar of assets, protected from Medicaid spend-down, for every dollar your policy pays out in benefits — see the note above for this state's current status. Learn more about how Partnership programs work.

How to compare quotes in Delaware

• Confirm any agent or carrier you talk to is currently licensed to sell in Delaware — the Delaware Department of Insurance can confirm licensing status.
• Ask which products a carrier is actively writing in Delaware today — availability changes state by state and year to year. See carriers we compare.
• If a Partnership-qualified policy matters to you, confirm with the carrier or agent whether a policy is currently certified as Partnership-qualified in Delaware — see this state's Partnership status above.
• Compare traditional and hybrid options side by side — see traditional vs. hybrid coverage.
• Get quotes from more than one carrier; pricing for the same coverage can vary significantly.

Please note: Regulator names, complaint channels, and Partnership-program status can change. Confirm current details with the Delaware Department of Insurance or a licensed agent before making any decision. LongTermCareInsurance411 is not a government agency and does not administer Delaware's insurance regulations or Medicaid program.

Last updated: July 30, 2026