The registration deadline for the Affordable Care Act (ACA) in Delaware is tonight at midnight, which means that about 6.5% of uninsured residents in the state have only a few hours to secure health insurance starting January 1, 2026. Insurance Commissioner Trinidad Navarro warned the public to beware of scams and pointed out that only about 5% of the population registers through the health insurance marketplace, with most people's coverage provided by their employers. Those who miss the deadline may qualify for a special enrollment period due to life changes, but delayed registration will push the coverage start date to February 1. After tax credits, the average monthly premium in 2024 is approximately $147.