Updated: January 26, 2026
Advertising & Editorial Disclosure
Cigna HealthCare is the best HMO Medicare Advantage provider in Delaware with $0 monthly premiums and a $7,500 average maximum out-of-pocket limit, earning a 3.0 CMS star rating.
UnitedHealthcare offers Delaware's best HMO-POS plans at $0 monthly with a 4-star rating, while Blue Cross Blue Shield provides top PPO coverage at $134 per month with greater provider flexibility.
Before enrolling in Medicare Advantage, verify that your doctors and medications are covered by the plan. Compare monthly premiums, out-of-pocket maximums, network access and prescription benefits against your health care needs.
Our analysis of the best Medicare Advantage plans in Delaware considered CMS star ratings, premiums, maximum out-of-pocket costs, and coverage features. Cigna HealthCare leads HMO plans with a $0 monthly premium and a $7,500 MOOP, earning a 3-star rating.
UnitedHealthcare tops HMO-POS options, while Blue Cross Blue Shield dominates PPO plans, with both providers earning 4-star ratings. Delaware residents can find affordable premiums and comprehensive coverage across all three plan types.
| HMO | Cigna HealthCare | 3.00 | $0 | $7,500 | HealthSpring Preferred (HMO) |
| HMO-POS | UnitedHealthcare | 4.00 | $0 | $6,300 | AARP Medicare Advantage Extras from UHC DE-6 (HMO-POS) |
| PPO | Blue Cross Blue Shield | 4.00 | $134 | $6,500 | Complete Blue PPO Distinct (PPO) |
Medicare Advantage plans bundle hospital stays, doctor visits and prescription drugs into single comprehensive packages. These Part C plans serve as private insurance alternatives to Original Medicare while adding extra benefits like dental, vision and hearing coverage.
Best HMO
CMS Star Rating
Plan Types
Best HMO-POS
CMS Star Rating
Plan Types
Best PPO
CMS Star Rating
Plan Types
Finding the best plan for you requires balancing your medical needs, budget constraints and how much provider choice you want.
Contact your doctors and hospitals to verify they're in the plan's network. Each plan from the same insurer can have different provider networks.
Plans with no premium may carry higher out-of-pocket costs through copays and deductibles.
Review the drug list to verify your prescriptions are included and check which tier they're in. You'll pay more for higher-tier medications, and some drugs need prior approval from the plan.
Pick an HMO plan type for the lowest premiums and coordinated care through your primary doctor. HMO-POS works if you want occasional out-of-network flexibility. PPO suits frequent travelers or those wanting unrestricted specialist access.
Star ratings measure plan quality, service and member satisfaction on a 1-5 scale. Higher-rated plans with 4 or 5 stars offer superior care and customer service.
Many Delaware Medicare Advantage plans include dental, vision, hearing, fitness memberships and over-the-counter allowances.
Out-of-pocket maximums protect you from excessive medical expenses by capping what you pay annually. Plans with lower caps offer stronger financial protection but charge higher monthly premiums.
Plan type is the main factor affecting Medicare Advantage pricing across Delaware. HMO plans are the most affordable, with $0 median premiums and $15 average monthly costs, and average out-of-pocket maximums of $6,917. HMO-POS plans balance cost and flexibility, averaging $0 monthly premiums and the lowest MOOP at $6,300. PPO plans are the most expensive, with $20 median and $38 average monthly premiums and an average MOOP of $7,309, reflecting the added flexibility to see any provider.
| HMO | $0 | $15 | $6,917 |
| HMO-POS | $0 | $0 | $6,300 |
| PPO | $20 | $38 | $7,309 |
Get answers about Medicare Advantage enrollment, what's covered and enrollment periods for residents.
Enroll during the Annual Enrollment Period (Oct. 15 to Dec. 7) or other qualifying periods. Compare plans on Medicare.gov, contact insurers directly, or work with a licensed agent.
Medicare Advantage plans cover everything Original Medicare does, plus most include prescription drugs and extra benefits like dental, vision, and fitness memberships.
Medicare Advantage replaces Original Medicare with bundled coverage from private insurers, while Medicare Supplement (Medigap) works alongside Original Medicare to cover deductibles and copays.
Delaware offers multiple Medicare Advantage enrollment periods: Oct. 15 to Dec. 7 annually, Jan. 1 to March 31 for current enrollees, and a seven-month window for new beneficiaries.
We analyzed Medicare Advantage plans in Delaware using a weighted scoring system that prioritizes affordability and quality. Our methodology scores three main factors to help you find plans that offer the best value for your health care needs.
This scoring system helps you compare plans objectively while accounting for what matters most: what you'll pay and the quality of care you'll receive.
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.
