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DelawareSB 71153rd General Assembly (2024–2026)SenateWALLET

AN ACT TO AMEND TITLE 18 OF THE DELAWARE CODE RELATING TO MEDICARE SUPPLEMENT POLICIES.

Sponsored By: Ray Seigfried (Democratic)

Signed by Governor

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Bill Overview

Analyzed Economic Effects

3 provisions identified: 2 benefits, 0 costs, 1 mixed.

Birthday window to change Medicare supplement

If you already have a Medicare supplement policy, you get a birthday open enrollment each year. You can cancel your plan and pick another with the same or lower benefits. The window starts 30 days before your birthday and stays open at least 30 days after. During this window, insurers cannot deny you, delay coverage, charge more because of your health or claims, or exclude preexisting conditions. Insurers must notify you 30–60 days before the window begins, showing the dates, your rights, and any benefit or premium changes.

Move from Medicare Advantage to Medigap

If you are in a Medicare Advantage plan, you can cancel it and enroll in a Medicare supplement policy during federal Medicare open enrollment periods. Insurers cannot deny or delay the Medigap policy being offered. They can set your price individually and apply preexisting-condition limits allowed by law.

Clear Medicare Advantage types and windows

The law defines what counts as a Medicare Advantage plan in Delaware: HMOs, PPOs, provider‑sponsored plans, medical savings account plans with contributions, and private fee‑for‑service plans. It also says the new state open enrollment windows are in addition to other federal or state windows. You can use both when they apply.

Sponsors & Cosponsors

Sponsor

  • Ray Seigfried

    Democratic • Senate

Cosponsors

  • Eric Buckson

    Republican • Senate

  • Frank Burns

    Democratic • House

  • Kendra Johnson

    Democratic • House

  • Larry Lambert

    Democratic • House

  • Eric Morrison

    Democratic • House

  • Cyndie Romer

    Democratic • House

  • Claire Snyder-Hall

    Democratic • House

  • Bryan Townsend

    Democratic • Senate

  • John "Jack" Walsh

    Democratic • Senate

Roll Call Votes

All Roll Calls

Yes: 61 • No: 0

House vote • 6/12/2025

Passed (SM required)

Yes: 40 • No: 0

Senate vote • 5/13/2025

Passed (SM required)

Yes: 21 • No: 0

Actions Timeline

  1. Signed by Governor

    9/3/2025Governor

  2. Passed By House. Votes: 40 YES 1 ABSENT

    6/12/2025House

  3. Reported Out of Committee (Economic Development/Banking/Insurance & Commerce) in House with 8 On Its Merits

    6/10/2025House

  4. Assigned to Economic Development/Banking/Insurance & Commerce Committee in House

    5/14/2025House

  5. Passed By Senate. Votes: 21 YES

    5/13/2025Senate

  6. Reported Out of Committee (Banking, Business, Insurance & Technology) in Senate with 5 On Its Merits

    5/8/2025Senate

  7. Introduced and Assigned to Banking, Business, Insurance & Technology Committee in Senate

    4/9/2025Senate

Bill Text

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