Ambetter provides Delaware's cheapest overall health insurance with an average monthly premium of $530. While this is the case overall in the state, they may not be available to you, and we also recommend Highmark (BCBS), AmeriHealth, Health First and Aetna for some of the most affordable health plans in the state.
Most Affordable Health Insurance in Delaware
Updated: June 6, 2025
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Key Takeaways
Ambetter offers Delaware's most affordable health insurance with an average monthly savings of $109 compared to the state average.
Highmark (BCBS) offers the best full coverage (platinum) plans with rates starting as low as $794 per month.
To find the cheapest health insurance for you, decide on a coverage level within your budget, check subsidy eligibility and compare plans from several companies.
Most Affordable Health Insurance Companies in Delaware
| Ambetter | $530 | $109 |
| Highmark (BCBS) | $636 | $2 |
*These plans reflect rates for 40-year-olds who are not considered low-income.
Cheapest Delaware Health Insurance Plans by Profile
While we've summarized the cheapest companies for most in Delaware, the most affordable plan for you will differ widely depending on your desired coverage tier and age. Below, we've broken down the cheapest companies by category for most in the state:
- Cheapest For Young Adults: Ambetter ($425 monthly)
- Cheapest For Seniors: Ambetter ($1,125 monthly)
- Cheapest Catastrophic Plan: Highmark (BCBS) ($368 monthly)
- Cheapest Expanded Bronze Plan: Ambetter ($412 monthly)
- Cheapest Bronze Plan: AmeriHealth ($414 monthly)
- Cheapest Silver Plan: Ambetter ($530 monthly)
- Cheapest Gold Plan: Ambetter ($528 monthly)
- Cheapest Full Coverage (Platinum Plan): Highmark (BCBS) ($794 monthly)
While these are a good measure of the most affordable plans, this only represents the cheapest for 40-year-olds (26-year-olds for young adults and 60 for seniors), and your cheapest company and plan may differ for your profile. Below, we've created a filterable table that you can modify for plan tier and age to find your lowest rate match.
Data filtered by:Results filtered by:
Select
Plan Level:Silver
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Age:40
| Ambetter | Standard Silver | $530 | $48 | $8,000 |
Cheapest Health Insurance Plans by County in Delaware
Although Ambetter leads overall, having options like AmeriHealth in every county is beneficial. Below, explore the most affordable silver plan options specific to your area.
| Kent | AmeriHealth | $528 | AmeriHealth Caritas Next Silver Classic + $0 Virtual Care 24/7 + $0 Preventive Care + No-Referrals |
| New Castle | AmeriHealth | $528 | AmeriHealth Caritas Next Silver Classic + $0 Virtual Care 24/7 + $0 Preventive Care + No-Referrals |
| Sussex | AmeriHealth | $528 | AmeriHealth Caritas Next Silver Classic + $0 Virtual Care 24/7 + $0 Preventive Care + No-Referrals |
How to Find the Cheapest Health Insurance in Delaware
Follow these steps to find affordable health insurance in Delaware:
- 1
Determine what coverage plan you need and can afford
Depending on your personal health circumstances and income, your type of coverage plan and tier needed will differ widely. To decide how much health insurance you should get, calculate how much income you can put aside for monthly premiums, consider your health and determine your risk for injury or disease based on your location, age and habits.
- 2
Find out your subsidy eligibility
Individuals with incomes between $14,580 and $54,000 qualify for premium tax credits, which can reduce costs by 40% to 100%. Furthermore, those earning below 250% of the Federal Poverty Level ($36,450) qualify for cost-sharing reductions that lower out-of-pocket expenses by up to 73%.
- 3
Consider federal programs if old enough
If you're old enough, consider Medicare/Medicaid programs, Medicare Advantage plans and Medicare Supplement plans in the state. They're often cheaper than traditional options and allow more flexibility with coverage choices.
- 4
Review prescription formularies
Review prescription coverages for medications you regularly take. Some insurers place common medications on lower tiers with reduced copays compared to competitors, potentially saving you hundreds annually.
- 5
Compare Plans During Open Enrollment
Open Enrollment lasts from November 1 to January 15 but you may also qualify for Special Enrollment if you've lost your job, have gotten divorced or have had a child. Make sure to consider types of coverage, customer ratings, costs, and availability with medical providers.
MONEYGEEK TIP: MAKE SURE TO APPLY PROMPTLY
Apply for coverage at least five days before the deadline to avoid technical issues. Have your income documentation, Social Security numbers, and immigration documents ready when applying to ensure a smooth enrollment process.
Most Affordable Health Insurance in Delaware: Bottom Line
Ambetter, Highmark (BCBS), AmeriHealth, Health First and Aetna are the cheapest health insurance providers in Delaware. While we recommend these affordable options, you should compare as many plan types and tier quotes as possible from multiple companies to get the best deal.
Cheap Delaware Health Insurance: FAQ
Below are frequently asked questions about cheap health insurance in Delaware:
What is the cheapest health insurance in Delaware?
Ambetter offers the cheapest health insurance in Delaware, with silver plans starting at $530 for 40-year-olds.
What are the downsides of a cheap health insurance plan?
Although you'll pay a lower monthly premium for a cheap health insurance plan, you may pay higher out-of-pocket costs when accessing health care services. More expensive plans cover more comprehensive services and considerably lower your out-of-pocket maximums.
Do I qualify for subsidies on health insurance in Delaware?
Individuals earning between $14,580 and $54,000 qualify for premium tax credits, which can reduce costs by 40% to 100%. Furthermore, those earning below 250% of the Federal Poverty Level ($36,450) qualify for cost-sharing reductions that lower out-of-pocket expenses by up to 73%.
When can I enroll in health insurance in Delaware?
Open Enrollment lasts from November 1 to January 15, but you may also qualify for Special Enrollment if you've lost your job, have gotten divorced or have had a child.
How We Decided the Cheapest Health Insurance Companies in Delaware
MoneyGeek obtained data directly from the Centers for Medicare and Medicaid Services (CMS) on available health insurance plans in Delaware based on consumers aged 18, 26, 40, 50 and 60. We considered the cheapest overall to be those that have the lowest monthly premium costs for 40-year-olds due to most in the state being near this age demographically and for simplicity. However, cheaper plans tend to have higher out-of-pocket maximums and deductibles, meaning you may pay more if you receive care.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like 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!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.