Scored 8/10 on whether it helps or hurts everyday people.
The Insurance Coverage Bill
Delaware expands insurance coverage for serious mental illness
An Act To Amend Title 18 Of The Delaware Code Relating To Insurance Coverage.
Good for everyday people ·
If passed, insurers must cover all medically necessary treatment for serious mental illnesses and substance use disorders, so patients get needed care without extra costs.
Our take
What we think, in plain words.
This bill would make sure people with serious mental health issues can get treatment without insurers denying coverage, which could improve health outcomes and reduce long‑term costs for families.
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The facts
What the bill actually says, no spin.
- Carriers must provide coverage for serious mental illnesses and drug/alcohol dependencies under all health benefit plans in Delaware.
- Coverage must include inpatient diagnosis and treatment for these conditions.
- Plans must follow ASAM, LOCUS, CALOCUS‑CASII, and ECSII guidelines for levels of care.
- Unlimited medically necessary treatment must be provided as required by the Mental Health Parity and Addiction Equity Act.
- The bill defines standards and terms for what counts as medically necessary mental health and substance use disorder care.
How they voted
The actual floor vote, and who broke from their own party.
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In the news
Scanning the news for this bill…
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Sources
Read it yourself: the official bill and records.
This bill is in the Delaware Bill Book 2026
The best and worst Delaware bills of 2026, one page each — our take on the left, the bill on the right, and room for your notes. No email needed.
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