DOVER — After years of work to increase competition on the Delaware Health Insurance Marketplace, state insurance commissioner Trinidad Navarro announced Monday three health carriers intend to offer plans for the 2023 plan year — the most in the state’s history.

AmeriHealth Caritas and Aetna CVS Health will join Highmark Blue Cross Blue Shield Delaware in offering coverage.

From rising rates to insurer departure, the implementation of the Affordable Care Act in Delaware hasn’t always been smooth sailing, Mr. Navarro said. But with the state’s successful creation of a 1332 reinsurance program and federal threats of ending the critical program subsiding, rates have decreased more than 15% and remained stable, while enrollment has grown significantly.

The announcement comes as carriers submit initial rate filing proposals pursuant to federal deadlines. These will undergo in-depth reviews by independent actuaries before the insurance commissioner approves and announces them later this year.