Updated: December 29, 2025
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Delaware residents can find health insurance starting at $730 monthly with AmeriHealth, followed by Ambetter at $762 and Blue Cross Blue Shield at $830 for the three most affordable options.
Our analysis shows AmeriHealth is affordable across HMO plans and most age groups, while other carriers are the cheapest in other categories.
Delaware residents can secure the most affordable health insurance through AmeriHealth at $730 monthly, delivering $54 in monthly savings compared to the state average.
Ambetter ranks second at $762 per month, while Blue Cross Blue Shield comes third at $830 per month. While AmeriHealth provides the cheapest health insurance premiums, expect higher deductibles and out-of-pocket maximums as the tradeoff for these reduced rates.
| AmeriHealth | $730 | $54 | $8,760 | $648 |
| Ambetter | $762 | $22 | $9,144 | $264 |
| Blue Cross Blue Shield | $830 | $46 | $9,960 | $552 |
* We determine average monthly costs by rounding the mean of all monthly plan rates for each provider in Delaware. We compared each provider's average rate against the statewide average.
Average Monthly Rate
Average MOOP
Average Deductible
When searching for the best health insurance provider, your personal rate varies based on factors such as age, selected plan type and chosen metal tier. Think about how monthly costs balance against deductibles and out-of-pocket limits before making a decision.
AmeriHealth has the lowest premiums across most demographics in Delaware, but with higher deductibles and maximum out-of-pocket costs.
| Children | Ambetter | $430 | $5,166 | $5,386 | $3,324 |
| Teens | Ambetter | $514 | $6,165 | $5,386 | $3,324 |
| Young Adults | Ambetter | $576 | $6,915 | $5,386 | $3,324 |
| Adults | Ambetter | $719 | $8,630 | $5,386 | $3,324 |
| EPO | Ambetter | $719 | $8,630 | $5,386 | $3,324 |
| HMO | AmeriHealth | $764 | $9,171 | $5,898 | $2,190 |
| PPO | Blue Cross Blue Shield | $849 | $10,190 | $5,814 | $3,100 |
| Seniors | Ambetter | $1,527 | $18,327 | $5,386 | $3,324 |
* These are average rates for all plan types and metal levels, with teens at 18 years old, young adults at 26 years old, adults at 40 years old and seniors at 60 years old. For plan type costs, we used average rates for 40-year-olds.
Delaware's 40-year-olds pay lowest rates for Bronze coverage through AmeriHealth at $542 monthly, with Expanded Bronze costing $581 per month. Blue Cross Blue Shield offers the cheapest Catastrophic plans at $468, and Ambetter charges $719 monthly for Silver coverage. Gold plans from AmeriHealth cost $752 per month with a $1,106 deductible, while Platinum options begin at $1,018 monthly.
| Catastrophic | Blue Cross Blue Shield | $468 | $5,614 | $10,600 | $10,600 |
| Bronze | AmeriHealth | $542 | $6,508 | $7,950 | $7,950 |
| Expanded Bronze | AmeriHealth | $581 | $6,977 | $7,725 | $4,256 |
| Silver | Ambetter | $719 | $8,630 | $5,386 | $3,324 |
| Gold | AmeriHealth | $752 | $9,020 | $6,300 | $1,106 |
| Platinum | Blue Cross Blue Shield | $1,018 | $12,213 | $3,863 | $0 |
Using comprehensive Delaware data, we've identified plans so you can find coverage fitting your specific situation and budget.
We've collected Delaware's statewide insurance data to help you sort through plans by costs and benefits.
| AmeriHealth | Amerihealth Caritas Next Silver Signature + No Referrals | $761 | HMO | Silver | $5,686 | $3,100 | 40 | No |
| AmeriHealth | Amerihealth Caritas Next Silver Essential + No Referrals | $766 | HMO | Silver | $5,686 | $3,257 | 40 | No |
| AmeriHealth | Amerihealth Caritas Next Silver Premier + No Referrals | $766 | HMO | Silver | $6,321 | $214 | 40 | No |
The following approaches will help you get low-cost coverage in Delaware.
Don't automatically pick the lowest-premium Bronze plan. While it costs less monthly, you could pay more when you need care.
Silver and Gold plans often deliver better value through lower deductibles and reduced out-of-pocket maximums, particularly if you visit doctors regularly or take prescription medications.
Review last year's health care expenses to guide your choice. If you spent $800 on three doctor visits and prescription refills, a high-deductible plan with a $7,000 deductible might save you $120 monthly compared to a comprehensive Gold plan.
HMO plans deliver premium savings compared to PPO alternatives in Delaware. You'll need to choose doctors within the network and get referrals for specialists, but the monthly savings can be good.
Premium tax credits through the Health Insurance Marketplace can substantially reduce your monthly payments based on household income. Many middle-class families qualify for financial assistance, so check your eligibility first before comparing plan costs at full price.
Open enrollment periods provide access to all available plans at standard rates. Missing this annual window means waiting until next year unless you experience a qualified life event like marriage, job loss or moving that triggers special enrollment eligibility.
Verify your preferred doctors and hospitals accept the plan you're considering. Network restrictions vary between insurers in Delaware. Contact your doctor's office directly to confirm they're in-network, as online directories aren't always current and out-of-network care costs more.
AmeriHealth provides the most affordable rates across multiple coverage tiers. Both Ambetter and Blue Cross Blue Shield round out the top three with competitive pricing throughout the state. You can find the best rate by looking at multiple plan types and metal levels from several companies.
Find answers to the most common health insurance questions for Delaware residents:
Compare plans across multiple metal tiers from companies such as AmeriHealth, Ambetter, and Blue Cross Blue Shield during open enrollment. Consider HMO plans for lower rates and check if you qualify for premium tax credits through the Health Insurance Marketplace. Balance monthly premiums against deductibles based on your expected health care needs.
Delaware health insurance costs an average of $791 monthly or $9,503 annually across all plan types and metal levels. Monthly premiums span from $280 to $2,167 varying by age, chosen coverage tier and plan type.
Delaware doesn't require residents to have health insurance. The federal individual mandate penalty was eliminated in 2019. Going without coverage means missing out on financial protection against medical costs and potentially paying higher out-of-pocket expenses.
We gathered plan information from the federal health insurance marketplace for consumers aged 18 to 60, specifically examining costs for 18, 26, 40, 50 and 60-year-olds. Our cheapest overall rankings focus on 40-year-olds' monthly premiums, as this age group is the most common demographically and provides a clear comparison.
Age-specific rankings reflect their respective premium costs. Lower premiums often come with higher deductibles and out-of-pocket maximums, which could increase your costs when receiving care.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
