There are only three health insurance companies available in the Delaware's ACA Marketplace. AmeriHealth is the best health insurance in Delaware for HMO plans. Ambetter offers the best EPO plans in the state, while Blue Cross Blue Shield provides the best PPO plans.
Best Health Insurance in Delaware (2026)
Updated: December 30, 2025
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Key Takeaways
AmeriHealth stands out as the top HMO health insurance option in Delaware, offering a well-rounded mix of affordable monthly premiums, manageable deductibles, and reasonable maximum out-of-pocket limits across its plan lineup.
Ambetter also offers the cheapest health insurance in Delaware while maintaining excellent deductible and out-of-pocket cost protection for members.
Compare quotes from at least three Delaware providers to find coverage matching your needs and budget.
Best Health Insurance Companies in Delaware
AmeriHealth | $764 | $5,898 | $2,190 | 5 | Amerihealth Caritas Next Silver Signature + No Referrals | HMO Plans |
Ambetter | $719 | $5,386 | $3,324 | 5 | Standard Silver | EPO Plans |
Blue Cross Blue Shield | $849 | $5,814 | $3,100 | 5 | My Blue Access Select PPO Standard Silver 6000 | PPO Plans |
*Our picks are the best health insurance options for 40-year-olds shopping for Silver-tier plan.
AmeriHealth
MoneyGeek Rating
5/ 5
5/5Affordability
5/5Deductible
5/5MOOP
Average Monthly Rate
$764Average MOOP
$5,898Average Deductible
$2,190
Ambetter
MoneyGeek Rating
5/ 5
5/5Affordability
5/5Deductible
5/5MOOP
Average Monthly Rate
$719Average MOOP
$5,386Average Deductible
$3,324
Blue Cross Blue Shield
MoneyGeek Rating
5/ 5
5/5Affordability
5/5Deductible
5/5MOOP
Average Monthly Rate
$849Average MOOP
$5,814Average Deductible
$3,100
Best Health Insurance in Delaware by Category
Delaware health insurance costs differ based on your age, plan type and coverage level. Silver-tier premiums range from $514 to $1,803 monthly across the state's three main providers.
By Age:
- Teens (18): Ambetter EPO plans cost $514 monthly, AmeriHealth HMO plans cost $546 and Blue Cross Blue Shield PPO plans cost $607.
- Young adults (26): Ambetter charges $576 monthly for EPO coverage, AmeriHealth HMO plans run $612, while Blue Cross Blue Shield PPO coverage costs $680.
- Adults (40): Ambetter EPO plans cost $719 monthly, AmeriHealth HMO plans cost $764 and Blue Cross Blue Shield PPO plans cost $849.
- Seniors (60): Ambetter charges $1,527 monthly for EPO plans, AmeriHealth charges $1,623 for HMO coverage and Blue Cross Blue Shield charges $1,803 for PPO plans.
By Plan Type:
- PPO: Blue Cross Blue Shield is Delaware's only PPO provider, charging 40-year-olds $849 monthly with a $3,100 deductible and $5,814 MOOP.
- HMO: AmeriHealth offers HMO coverage for 40-year-olds at $764 monthly with a $2,190 deductible and $5,898 MOOP.
- EPO: Ambetter charges 40-year-olds $719 monthly with a $3,324 deductible and $5,386 MOOP.
All rates are averages based on Silver plans for the given category.
Compare Delaware Health Insurance Providers
Delaware health insurance premiums, deductibles and MOOP costs vary by insurer. Filter results by age, metal level, plan type and HSA eligibility below.
Data filtered by:
HMO
Silver
40
No
| AmeriHealth | $764 | HMO | Silver | $5,898 | $2,190 | 40 | No |
How to Choose the Best Health Insurance in Delaware
Choosing health insurance in Delaware means weighing premiums against deductibles, network access and coverage limits.
- 1Assess your health care needs
Review your current medications, planned procedures and how often you visit doctors to determine which coverage level makes sense. Past medical expenses help predict future costs and guide your deductible choice. Delaware residents should consider whether they need regular specialist care or have ongoing conditions requiring frequent treatment.
- 2Compare multiple insurer quotes
Request rates from the three Delaware health insurance companies to spot price differences and coverage variations. Insurers serving Wilmington, Dover and Newark offer different pricing for similar coverage. Getting multiple quotes helps you identify the best value for your situation and budget requirements.
- 3Verify provider networks
Check that your preferred doctors, specialists and hospitals accept plans you're considering. Out-of-network care costs more and may require full payment upfront. Delaware residents should confirm their providers participate in networks, especially if they receive care in New Castle County or Kent County medical facilities.
- 4Review cost-sharing details
Higher deductibles lower monthly premiums but increase upfront costs when you need care. Your maximum out-of-pocket limit caps annual expenses, limiting your total costs. Compare how different deductible amounts affect your monthly budget versus potential medical expenses throughout the year.
- 5Evaluate plan types
HMOs, PPOs, EPOs and POS plans each offer different trade-offs. HMOs require referrals but cost less, while PPOs offer flexibility to see specialists without approval at higher premiums. EPOs and POS plans fall between these options, providing moderate flexibility and costs.
- 6Explore federal programs
Subsidies and Medicare plans make health insurance more affordable for eligible Delaware residents. If you have a low income, qualifying disability or are 65 or older, explore Medicare Advantage and Medicare Supplement options.
How Much Does Health Insurance Cost in Delaware?
HMO plans provide the most affordable Bronze coverage in Delaware at $542 monthly and remain competitive for Gold tier at $752. EPO plans offer the cheapest Silver coverage at $719, while PPO plans cost the most across available tiers, with Silver at $849 and Gold at $774.
PPO plans are the only option for Platinum coverage at $1,018 monthly. EPO plans typically cost less than PPOs while offering more network flexibility than HMOs. POS plans are not available in Delaware, leaving consumers to choose between HMO, EPO or PPO options.
| EPO | No Data | $719 | $766 | No Data |
| HMO | $542 | $764 | $752 | No Data |
| PPO | No Data | $849 | $774 | $1,018 |
*Rates are averages for 40-year-olds in Delaware. Your rates will vary based on your age and location.
Best Health Insurance in Delaware: Bottom Line
Delaware’s health insurance marketplace is limited but competitive, with just three insurers offering ACA plans in 2026. AmeriHealth is the best overall option for most shoppers thanks to its balanced combination of premiums, low deductibles and strong cost protection within its HMO plans. Ambetter is the most affordable choice, delivering the lowest average monthly premiums. Blue Cross Blue Shield, while the most expensive, is the only PPO provider in the state, offering greater provider flexibility along with unique options like Platinum and HSA-eligible plans.
The best health insurance in Delaware depends on your budget, preferred doctors and tolerance for network restrictions, so comparing quotes across all three providers is the best way to find the right fit.
Best Delaware Health Insurance: FAQ
Delaware residents often ask about enrollment periods, state insurance requirements and how multiple plans work together.
How do I get health insurance in Delaware?
Delaware residents can get health insurance through the official health insurance marketplace, directly from insurance companies or by working with licensed brokers. The standard open enrollment period is from November 1 through January 15. Special enrollment periods are available after qualifying life events, such as marriage, job loss or relocation. Many employers provide group health insurance options for their workers.
Are you required to have health insurance in Delaware?
Delaware doesn't require health insurance, so you won't face penalties for going without coverage. However, being uninsured means you'll pay the full cost for medical care out of pocket. A routine doctor visit or prescription can quickly add up to hundreds of dollars.
Can you have multiple health insurance plans in Delaware?
Yes, you can have multiple health insurance plans in Delaware. Through coordination of benefits, your primary plan pays first and your secondary plan may cover remaining eligible expenses. This arrangement occurs when both spouses have employer-sponsored coverage or when combining Medicare with supplemental insurance.
Our Review Methodology
Delaware's health insurance marketplace is dominated by HMO plans. Our evaluation system focuses heavily on monthly premiums since they create the biggest ongoing financial impact for consumers. We also factor in financial protection limits and upfront costs that affect your total yearly spending.
Our Scoring System
We weighted three cost factors:
- Monthly premium (60%): Lower average monthly costs earn higher scores since this payment repeats every month.
- Maximum out-of-pocket (20%): Lower MOOP limits provide better financial protection and score higher.
- Deductible (20%): Providers with lower average deductibles before coverage kicks in receive better scores.
Scores get normalized within each filter combination. For Silver-tier HMO, EPO and PPO plans, the top performer earns 5.0 points, with other providers scored relative to that leader.
Sample Consumer Profile
We reviewed all 2026 Delaware plans for ages 18, 26, 40, 50 and 60. Pricing reflects 40-year-olds unless stated otherwise. Our analysis covers every metal tier: Catastrophic, Bronze, Expanded Bronze, Silver, Gold and Platinum.
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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.