Cheapest Health Insurance in Delaware (2024 Plans)


Updated: October 3, 2024

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Health insurance premiums and out-of-pocket expenses differ by metal tier. In Delaware, AmeriHealth offers the lowest rates for Bronze, Gold, and Silver, while Highmark (BCBS) has the most affordable plans for Catastrophic, Expanded Bronze and Platinum options.

If you are looking to balance monthly premiums with quality claims and coverage, MoneyGeek analyzed the best health insurance in Delaware.

MoneyGeek Logo IconCheapestHealth InsuranceDelaware
2024

Most Affordable Health Insurance in Delaware

Why Trust MoneyGeek? We downloaded plan data for Delaware directly from the Centers for Medicare and Medicaid Services (CMS).

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Plan data was updated with the CMS exchange data released in October, the latest available data for the 2024 enrollment period.

54Plans Analyzed
 
8Providers Compared

Cheapest Health Insurance in Delaware by Metal Tier

The most cost-effective Silver plan available in Delaware is the AmeriHealth Caritas Next Silver Classic + $0 Virtual Care 24/7 + $0 Preventive Care + No-Referrals offered by AmeriHealth, boasting a monthly cost of $528. Silver plans are widely elected due to their monthly premiums and coverage balance. For individuals willing to accept higher out-of-pocket expenses in exchange for lower monthly premiums, Bronze plans can be an alternative option.

Health insurance costs are contingent upon the metal tier, each representing a balance between monthly premiums and out-of-pocket costs such as deductibles and copays.

Here are the most affordable health insurance plans from each metal tier:

  • Catastrophic: my Blue Access Major Events PPO Catastrophic 9450 - 3 Free PCP Visits (Highmark (BCBS)) ($345 per month)
  • Bronze: AmeriHealth Caritas Next Bronze Classic + $0 Virtual Care 24/7 + $0 Preventive Care + No-Referrals (AmeriHealth) ($384 per month)
  • Expanded Bronze: my Blue Access PPO Bronze 8900 (Highmark (BCBS)) ($420 per month)
  • Gold: AmeriHealth Caritas Next Gold Classic + $0 Virtual Care 24/7 + $0 Preventive Care + No-Referrals (AmeriHealth) ($526 per month)
  • Silver: AmeriHealth Caritas Next Silver Classic + $0 Virtual Care 24/7 + $0 Preventive Care + No-Referrals (AmeriHealth) ($528 per month)
  • Platinum: my Blue Access PPO Platinum 0 (Highmark (BCBS)) ($783 per month)

For more information on cheap health insurance options, one can explore various plans and their corresponding costs to find coverage that suits their needs and budget.

Data filtered by:Results filtered by:
Age:
Age:40
CatastrophicPlanmy Blue Access Major Events PPO Catastrophic 9450 - 3 Free PCP VisitsCompanyHighmark (BCBS)Monthly Cost$345Maximum Out-of-Pocket$9,450
BronzePlanAmeriHealth Caritas Next Bronze Classic + $0 Virtual Care 24/7 + $0 Preventive Care + No-ReferralsCompanyAmeriHealthMonthly Cost$384Maximum Out-of-Pocket$9,450
Expanded BronzePlanmy Blue Access PPO Bronze 8900CompanyHighmark (BCBS)Monthly Cost$420Maximum Out-of-Pocket$8,900
GoldPlanAmeriHealth Caritas Next Gold Classic + $0 Virtual Care 24/7 + $0 Preventive Care + No-ReferralsCompanyAmeriHealthMonthly Cost$526Maximum Out-of-Pocket$8,700
SilverPlanAmeriHealth Caritas Next Silver Classic + $0 Virtual Care 24/7 + $0 Preventive Care + No-ReferralsCompanyAmeriHealthMonthly Cost$528Maximum Out-of-Pocket$9,100
PlatinumPlanmy Blue Access PPO Platinum 0CompanyHighmark (BCBS)Monthly Cost$783Maximum Out-of-Pocket$5,000
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WHAT ARE METAL TIERS?

In the Delaware health insurance marketplace, consumers can choose from a range of metal tiers: Bronze, Silver, Gold and Platinum, as well as a Catastrophic plan designed for those under 30 or with a hardship exemption. Each metal tier represents a different balance between monthly premiums and out-of-pocket expenses.

Bronze plans typically have the lowest monthly premiums but the highest out-of-pocket costs. Conversely, valuable metal plans, like Platinum, feature the highest premiums but significantly lower out-of-pocket expenses. Lastly, Catastrophic plans, while offering low premiums, come with high deductibles and are intended to protect the policyholder from worst-case scenarios.

For individuals earning below 250% of the Federal Poverty Line, Silver plans can include cost-sharing reductions (CSRs). CSRs lower the amount one pays for deductibles, copayments and co-insurance. This makes it easier to access care by reducing the direct costs at the time of service without first meeting high deductibles. The choice of metal tier should align with one’s health care needs and financial situation, as premiums and out-of-pocket expenses are inversely related.

Cheapest Silver Plans in Delaware

Delaware's most cost-effective Silver-tier health plan is the AmeriHealth Caritas Next Silver Classic + $0 Virtual Care 24/7 + $0 Preventive Care + No-Referrals offered by AmeriHealth, with a monthly premium of $528.

Here are the three most affordable health Silver plans in Delaware:

  • AmeriHealth Caritas Next Silver Classic from AmeriHealth ($528 per month)
  • AmeriHealth Caritas Next Silver Premier from AmeriHealth ($533 per month)
  • Silver S: Aetna network of doctors & hospitals from Aetna ($554 per month)

Silver plans offer a middle ground for those seeking a balance between monthly premium and out-of-pocket expenses when receiving care. They are particularly suitable for individuals or families that expect moderate health care usage. For those with lower incomes, cost-sharing reductions can significantly lower the amount you have to pay for deductibles, copayments and co-insurance, making Silver plans even more affordable and providing better access to health services.

Data filtered by:Results filtered by:
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Age:40
AmeriHealthMonthly Cost$528Maximum Out-of-Pocket$9,100PlanAmeriHealth Caritas Next Silver Classic + $0 Virtual Care 24/7 + $0 Preventive Care + No-Referrals
AmeriHealthMonthly Cost$533Maximum Out-of-Pocket$9,400PlanAmeriHealth Caritas Next Silver Premier + $0 Virtual Care 24/7 + $0 Preventive Care + No-Referrals Plan
AetnaMonthly Cost$554Maximum Out-of-Pocket$9,100PlanSilver S: Aetna network of doctors & hospitals + $0 MinuteClinic + $0 CVS Health Virtual Care 24/7
AetnaMonthly Cost$562Maximum Out-of-Pocket$9,250PlanSilver 5: Aetna network of doctors & hospitals + $0 MinuteClinic + $0 CVS Health Virtual Care 24/7
AmbetterMonthly Cost$563Maximum Out-of-Pocket$5,400PlanClear Silver
AetnaMonthly Cost$563Maximum Out-of-Pocket$9,125PlanSilver 7: Aetna network of doctors & hospitals + $0 MinuteClinic + $0 CVS Health Virtual Care 24/7
AetnaMonthly Cost$564Maximum Out-of-Pocket$8,825PlanSilver 6: Aetna network of doctors & hospitals + $0 MinuteClinic + $0 CVS Health Virtual Care 24/7
AmbetterMonthly Cost$565Maximum Out-of-Pocket$9,100PlanStandard Silver
Highmark (BCBS)Monthly Cost$568Maximum Out-of-Pocket$9,450Planmy Blue Access PPO Silver 7000
AmbetterMonthly Cost$573Maximum Out-of-Pocket$8,000PlanFocused Silver
AmbetterMonthly Cost$577Maximum Out-of-Pocket$8,400PlanEveryday Silver
Highmark (BCBS)Monthly Cost$580Maximum Out-of-Pocket$9,100Planmy Blue Access PPO Standard Silver 5900
AmbetterMonthly Cost$586Maximum Out-of-Pocket$5,400PlanClear Silver + Vision + Adult Dental
AmbetterMonthly Cost$587Maximum Out-of-Pocket$9,100PlanStandard Silver + Vision + Adult Dental
AmbetterMonthly Cost$596Maximum Out-of-Pocket$8,000PlanFocused Silver + Vision + Adult Dental
AmbetterMonthly Cost$600Maximum Out-of-Pocket$8,400PlanEveryday Silver + Vision + Adult Dental
Highmark (BCBS)Monthly Cost$608Maximum Out-of-Pocket$9,100Planmy Blue Access PPO Standard Silver 5900 + Adult Dental and Vison

Cheapest Gold Plans in Delaware

The AmeriHealth Caritas Next Gold Classic offered by AmeriHealth stands as the most cost-effective Gold tier plan in Delaware, with a monthly cost of $526.

Among the Gold health plans available in Delaware, these three rank as the most affordable:

  • AmeriHealth Caritas Next Gold Classic from AmeriHealth ($526 per month)
  • Gold 3 from Aetna ($529 per month)
  • Gold S from Aetna ($535 per month)

Gold plans are ideal for customers who anticipate needing a fair amount of medical care. They tend to offer lower out-of-pocket costs when accessing health care services, making them an economical choice for individuals with regular prescription needs or who often visit health care providers. Customers willing to pay higher premiums for peace of mind with reduced copays and deductibles benefit the most from Gold plans.

Data filtered by:Results filtered by:
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Age:40
AmeriHealthMonthly Cost$526Maximum Out-of-Pocket$8,700PlanAmeriHealth Caritas Next Gold Classic + $0 Virtual Care 24/7 + $0 Preventive Care + No-Referrals
AetnaMonthly Cost$529Maximum Out-of-Pocket$9,395PlanGold 3: Aetna network of doctors & hospitals + $0 MinuteClinic + $0 CVS Health Virtual Care 24/7
AetnaMonthly Cost$535Maximum Out-of-Pocket$8,700PlanGold S: Aetna network of doctors & hospitals + $0 MinuteClinic + $0 CVS Health Virtual Care 24/7
Highmark (BCBS)Monthly Cost$546Maximum Out-of-Pocket$8,700Planmy Blue Access PPO Standard Gold 1500
Highmark (BCBS)Monthly Cost$552Maximum Out-of-Pocket$5,700Planmy Blue Access PPO Gold 1700 HSA
Highmark (BCBS)Monthly Cost$579Maximum Out-of-Pocket$7,500Planmy Blue Access PPO Gold 0
Highmark (BCBS)Monthly Cost$592Maximum Out-of-Pocket$6,700Planmy Blue Access PPO Premier Gold 0
Highmark (BCBS)Monthly Cost$607Maximum Out-of-Pocket$7,500Planmy Blue Access PPO Gold 0 + Adult Dental and Vision
Highmark (BCBS)Monthly Cost$620Maximum Out-of-Pocket$6,700Planmy Blue Access PPO Premier Gold 0 + Adult Dental and Vision
AmbetterMonthly Cost$620Maximum Out-of-Pocket$8,700PlanClear Gold
AmbetterMonthly Cost$628Maximum Out-of-Pocket$7,500PlanEveryday Gold
AmbetterMonthly Cost$631Maximum Out-of-Pocket$8,700PlanStandard Gold
AmbetterMonthly Cost$645Maximum Out-of-Pocket$8,700PlanClear Gold + Vision + Adult Dental
AmbetterMonthly Cost$653Maximum Out-of-Pocket$7,500PlanEveryday Gold + Vision + Adult Dental
AmbetterMonthly Cost$654Maximum Out-of-Pocket$7,500PlanComplete Gold
AmbetterMonthly Cost$656Maximum Out-of-Pocket$8,700PlanStandard Gold + Vision + Adult Dental
AmbetterMonthly Cost$681Maximum Out-of-Pocket$7,500PlanComplete Gold + Vision + Adult Dental

Cheapest Bronze Plans in Delaware

The most affordable Bronze plan in Delaware is the AmeriHealth Caritas Next Bronze Classic + $0 Virtual Care 24/7 + $0 Preventive Care + No-Referrals from AmeriHealth, with a monthly cost of $384.

Bronze plans are designed for individuals who want to have essential health coverage while keeping their monthly premiums low. These plans are a good fit for those who are generally healthy and do not expect to need frequent medical care. They provide basic health services and are suitable for customers prioritizing lower monthly costs over lower out-of-pocket expenses when accessing health care services.

Data filtered by:Results filtered by:
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Age:40
AmeriHealthMonthly Cost$384Maximum Out-of-Pocket$9,450PlanAmeriHealth Caritas Next Bronze Classic + $0 Virtual Care 24/7 + $0 Preventive Care + No-Referrals

Cheapest Expanded Bronze Plans in Delaware

The most affordable plan in the Expanded Bronze tier in Delaware is my Blue Access PPO Bronze 8900 offered by Highmark (BCBS), with a monthly cost of $420.

The top three most economical Expanded Bronze plans in Delaware include:

  • my Blue Access PPO Bronze 8900 from Highmark (BCBS) ($420 per month)
  • AmeriHealth Caritas Next Expanded Bronze Classic from AmeriHealth ($433 per month)
  • my Blue Access PPO Standard Bronze 7500 from Highmark (BCBS) ($437per month)

Expanded Bronze plans are ideal for customers looking for a balance between monthly premiums and out-of-pocket expenses. They generally offer lower premiums than Gold or Silver plans but have higher out-of-pocket costs. These plans are often suitable for those who do not expect to need frequent medical services or those seeking an affordable option while still having protection from very high health care costs.

Data filtered by:Results filtered by:
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Age:40
Highmark (BCBS)Monthly Cost$420Maximum Out-of-Pocket$8,900Planmy Blue Access PPO Bronze 8900
AmeriHealthMonthly Cost$433Maximum Out-of-Pocket$9,400PlanAmeriHealth Caritas Next Expanded Bronze Classic + $0 Virtual Care 24/7 + $0 Preventive Care + No-Referrals
Highmark (BCBS)Monthly Cost$437Maximum Out-of-Pocket$9,400Planmy Blue Access PPO Standard Bronze 7500
AmeriHealthMonthly Cost$442Maximum Out-of-Pocket$9,450PlanAmeriHealth Caritas Next Expanded Bronze Premier + $0 Virtual Care 24/7 + $0 Preventive Care + No-Referrals Plan
Highmark (BCBS)Monthly Cost$451Maximum Out-of-Pocket$9,200Planmy Blue Access PPO Bronze 3800
Highmark (BCBS)Monthly Cost$457Maximum Out-of-Pocket$7,100Planmy Blue Access PPO Bronze 7100 HSA - Custom Drug Benefit
Highmark (BCBS)Monthly Cost$479Maximum Out-of-Pocket$9,200Planmy Blue Access PPO Bronze 3800 + Adult Dental and Vision
AmbetterMonthly Cost$484Maximum Out-of-Pocket$9,400PlanStandard Expanded Bronze
AmbetterMonthly Cost$491Maximum Out-of-Pocket$8,050PlanPremier Bronze HSA
AmbetterMonthly Cost$491Maximum Out-of-Pocket$9,250PlanEveryday Bronze
AmbetterMonthly Cost$504Maximum Out-of-Pocket$9,400PlanStandard Expanded Bronze + Vision + Adult Dental
AmbetterMonthly Cost$511Maximum Out-of-Pocket$8,050PlanPremier Bronze HSA + Vision + Adult Dental
AmbetterMonthly Cost$511Maximum Out-of-Pocket$9,250PlanEveryday Bronze + Vision + Adult Dental
AmbetterMonthly Cost$563Maximum Out-of-Pocket$9,250PlanElite Bronze
AmbetterMonthly Cost$586Maximum Out-of-Pocket$9,250PlanElite Bronze + Vision + Adult Dental

Cheapest Catastrophic Plans in Delaware

The most affordable Catastrophic plan in Delaware is my Blue Access Major Events PPO Catastrophic 9450 - 3 Free PCP Visits from Highmark (BCBS), with a monthly cost of $277. As it is the only Catastrophic plan available in the state, Delaware residents looking for the lowest-priced option in this tier need look no further.

Catastrophic plans are intended for adults 30 years and below. Its cheaper monthly premiums are ideal for those seeking a safety net during unanticipated critical medical events. However, these plans' steep out-of-pocket costs make them unsuitable for those expecting frequent doctor's visits.

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Age:26
Highmark (BCBS)Monthly Cost$277Maximum Out-of-Pocket$9,450Planmy Blue Access Major Events PPO Catastrophic 9450 - 3 Free PCP Visits

Cheapest Platinum Plans in Delaware

In Delaware, the most affordable Platinum tier health insurance plan is my Blue Access PPO Platinum 0 offered by Highmark (BCBS), with a monthly cost of $783.

Platinum plans are tailored for customers willing to pay higher monthly premiums in exchange for lower out-of-pocket costs when accessing health care services. This type of plan is ideal for individuals who frequently require medical care or anticipate significant health care needs. The lower copayments and deductibles found in Platinum plans can provide substantial savings for those with recurring prescriptions or ongoing medical treatments.

Data filtered by:Results filtered by:
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Age:40
Highmark (BCBS)Monthly Cost$783Maximum Out-of-Pocket$5,000Planmy Blue Access PPO Platinum 0
Highmark (BCBS)Monthly Cost$794Maximum Out-of-Pocket$3,200Planmy Blue Access PPO Standard Platinum 0
Highmark (BCBS)Monthly Cost$811Maximum Out-of-Pocket$5,000Planmy Blue Access PPO Platinum 0 + Adult Dental and Vision

Cheapest Health Insurance in Delaware for Those With Low Income

Individuals in Delaware earning 250% below the Federal Poverty Level are eligible for cost-sharing reductions on Silver plans, which help to reduce health care costs by lowering deductibles and out-of-pocket expenses.

The most affordable Silver plan for individuals with an annual income between $14,580 and $21,870 is the AmeriHealth Caritas Next Silver Classic + $0 Virtual Care 24/7 + $0 Preventive Care + No-Referrals with a Maximum Out-of-Pocket cost of $1,900. The following list details the maximum out-of-pocket costs for the two cheapest plans:

  • AmeriHealth Caritas Next Silver Classic + $0 Virtual Care 24/7 + $0 Preventive Care + No-Referrals from AmeriHealth ($528 per month; $1,900 MOOP)
  • AmeriHealth Caritas Next Silver Premier + $0 Virtual Care 24/7 + $0 Preventive Care + No-Referrals Plan from AmeriHealth ($533 per month; $1,800 MOOP)

Cost-sharing reductions in Delaware are available only with the purchase of a Silver plan. The income figures mentioned are for single individuals and vary with household size.

Data filtered by:Results filtered by:
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Age:40
Annual Income:
Annual Income:$14,580 to $21,870 per year
AmeriHealthMonthly Cost$528Maximum Out-of-Pocket$1,900PlanAmeriHealth Caritas Next Silver Classic + $0 Virtual Care 24/7 + $0 Preventive Care + No-Referrals
AmeriHealthMonthly Cost$533Maximum Out-of-Pocket$1,800PlanAmeriHealth Caritas Next Silver Premier + $0 Virtual Care 24/7 + $0 Preventive Care + No-Referrals Plan
AetnaMonthly Cost$554Maximum Out-of-Pocket$1,900PlanSilver S: Aetna network of doctors & hospitals + $0 MinuteClinic + $0 CVS Health Virtual Care 24/7
AetnaMonthly Cost$562Maximum Out-of-Pocket$1,275PlanSilver 5: Aetna network of doctors & hospitals + $0 MinuteClinic + $0 CVS Health Virtual Care 24/7
AmbetterMonthly Cost$563Maximum Out-of-Pocket$550PlanClear Silver
AetnaMonthly Cost$563Maximum Out-of-Pocket$895PlanSilver 7: Aetna network of doctors & hospitals + $0 MinuteClinic + $0 CVS Health Virtual Care 24/7
AetnaMonthly Cost$564Maximum Out-of-Pocket$745PlanSilver 6: Aetna network of doctors & hospitals + $0 MinuteClinic + $0 CVS Health Virtual Care 24/7
AmbetterMonthly Cost$565Maximum Out-of-Pocket$1,900PlanStandard Silver
Highmark (BCBS)Monthly Cost$568Maximum Out-of-Pocket$1,200Planmy Blue Access PPO Silver 7000
AmbetterMonthly Cost$573Maximum Out-of-Pocket$1,350PlanFocused Silver
AmbetterMonthly Cost$577Maximum Out-of-Pocket$1,400PlanEveryday Silver
Highmark (BCBS)Monthly Cost$580Maximum Out-of-Pocket$1,900Planmy Blue Access PPO Standard Silver 5900
AmbetterMonthly Cost$586Maximum Out-of-Pocket$550PlanClear Silver + Vision + Adult Dental
AmbetterMonthly Cost$587Maximum Out-of-Pocket$1,900PlanStandard Silver + Vision + Adult Dental
AmbetterMonthly Cost$596Maximum Out-of-Pocket$1,350PlanFocused Silver + Vision + Adult Dental
AmbetterMonthly Cost$600Maximum Out-of-Pocket$1,400PlanEveryday Silver + Vision + Adult Dental
Highmark (BCBS)Monthly Cost$608Maximum Out-of-Pocket$1,900Planmy Blue Access PPO Standard Silver 5900 + Adult Dental and Vison
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WHAT IS A COST-SHARING REDUCTION?

Cost-sharing reductions (CSRs) are discounts that lower the amount you pay for healthcare on Silver plans for people earning between 100% and 250% of the Federal Poverty Level (FPL). Qualifying for a CSR could adjust the maximum out-of-pocket (MOOP) cost for the AmeriHealth Silver plan from $7,200 to $1,900, a substantial decrease in potential health care expenses. The plan name remains the same, but the financial responsibility shifts dramatically based on CSR eligibility.

Cheapest Health Insurance in Delaware by Plan Type

In Delaware, the Health Maintenance Organization (HMO) plan type is the most sought-after among available health plan options. While HMO might be the most popular, individuals have access to Preferred Provider Organizations (PPO) and Exclusive Provider Organizations (EPO) as well.

The most affordable health plan in Delaware for the HMO plan type is the AmeriHealth Caritas Next Silver Classic + $0 Virtual Care 24/7 + $0 Preventive Care + No-Referrals from AmeriHealth at $528.

  • HMO: AmeriHealth Caritas Next Silver Classic + $0 Virtual Care 24/7 + $0 Preventive Care + No-Referrals from AmeriHealth ($528 per month)
  • EPO: Clear Silver from Ambetter ($563 per month)
  • PPO: my Blue Access PPO Silver 7000 from Highmark (BCBS) ($568 per month)

PPO plans offer flexibility to see providers out of network without a referral, which could be vital for those who need to see specialists not covered by other plan types. Meanwhile, EPO plans often balance cost and flexibility by allowing direct specialist visits within a network, potentially saving on premiums and out-of-pocket costs for those who prefer staying in the network for their health care needs.

Data filtered by:Results filtered by:
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Age:40
Plan Type:
Plan Type:HMO
AmeriHealthMonthly Cost$528Maximum Out-of-Pocket$9,100PlanAmeriHealth Caritas Next Silver Classic + $0 Virtual Care 24/7 + $0 Preventive Care + No-Referrals
AmeriHealthMonthly Cost$533Maximum Out-of-Pocket$9,400PlanAmeriHealth Caritas Next Silver Premier + $0 Virtual Care 24/7 + $0 Preventive Care + No-Referrals Plan
AetnaMonthly Cost$554Maximum Out-of-Pocket$9,100PlanSilver S: Aetna network of doctors & hospitals + $0 MinuteClinic + $0 CVS Health Virtual Care 24/7
AetnaMonthly Cost$562Maximum Out-of-Pocket$9,250PlanSilver 5: Aetna network of doctors & hospitals + $0 MinuteClinic + $0 CVS Health Virtual Care 24/7
AetnaMonthly Cost$563Maximum Out-of-Pocket$9,125PlanSilver 7: Aetna network of doctors & hospitals + $0 MinuteClinic + $0 CVS Health Virtual Care 24/7
AetnaMonthly Cost$564Maximum Out-of-Pocket$8,825PlanSilver 6: Aetna network of doctors & hospitals + $0 MinuteClinic + $0 CVS Health Virtual Care 24/7
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WHAT'S THE DIFFERENCE BETWEEN PLAN TYPES?

The most common plan type in Delaware is the Health Maintenance Organization (HMO) plan.

Other plan types available in Delaware include the Exclusive Provider Organization (EPO) and Preferred Provider Organization (PPO) plans.

Here are the differences between the plan types available in Delaware:

  • Health Maintenance Organization (HMO): HMOs typically have lower premiums and out-of-pocket costs. They also emphasize preventive care and usually require members to choose a primary care physician (PCP) to coordinate their health care and provide specialist referrals. HMOs also require members to use health care providers within their network. Going to a health care provider outside the network may result in no coverage, leading to higher out-of-pocket costs. Specialist visits typically require referrals from the PCP.

  • Exclusive Provider Organization (EPO): EPOs offer a blend of HMO and PPO features, providing some flexibility in choosing healthcare providers. EPO plans do not require referrals for specialists, allowing direct access as long as the provider is in-network. On the other hand, while more flexible than HMOs, EPOs still require members to use in-network providers. Seeking care outside the network usually means paying the full cost of services, except in cases of emergency.

  • Preferred Provider Organization (PPO): PPOs provide the greatest flexibility in choosing health care providers as they allow members to see both in-network and out-of-network providers without a referral. PPO plans may also cover a higher percentage of costs for out-of-network care compared to other plan types. However, PPO plans tend to have higher premiums and out-of-pocket costs compared to HMOs and EPOs. Since members can see any provider, costs for the insurance carrier are higher, resulting in more expensive plan options for consumers.

Cheapest Health Insurance in Delaware by County

Health insurance rates and availability of specific plans vary by county in Delaware.

But since the most affordable plans in the largest and smallest counties by population in the state are the same, we chose to show the one from the largest county only.

  • New Castle: AmeriHealth Caritas Next Silver Classic + $0 Virtual Care 24/7 + $0 Preventive Care + No-Referrals from AmeriHealth ($528 per month)

The following table displays all available plans in each county in Delaware.

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county_name:New Castle
AmeriHealthMonthly Cost$528Maximum Out-of-Pocket$9,100PlanAmeriHealth Caritas Next Silver Classic + $0 Virtual Care 24/7 + $0 Preventive Care + No-Referrals
AmeriHealthMonthly Cost$533Maximum Out-of-Pocket$9,400PlanAmeriHealth Caritas Next Silver Premier + $0 Virtual Care 24/7 + $0 Preventive Care + No-Referrals Plan

Health Insurance Costs in Delaware by Age and Metal Tier

Age is a big deal for health insurance prices in Delaware. For a Silver plan, an 18-year-old pays about $409 each month. A 60-year-old pays much more for the same plan, about $1,215 monthly. That's a difference of $806 — way higher for the older person.

Metal tiers show how insurance plans are different. A Bronze plan for a 40-year-old costs around $384 each month. But a Gold plan, which offers more coverage, is more expensive, about $586 each month. So, the Gold plan costs $202 more monthly than the Bronze plan.

Health Insurance Costs in Delaware by Age and Metal Tier

What to Know About Health Insurance in Delaware

MoneyGeek broke down all the health insurance options in Delaware. We explain private insurance that you can buy in the marketplace, including the different metal levels like Bronze, Silver, Gold and Platinum. We also cover Medicaid and Medicare. Our goal is to help you understand your choices so you can pick the best health care for yourself.

Private Health Insurance in the Delaware Marketplace

In Delaware, the open enrollment period for purchasing private health insurance coverage through the Health Insurance Marketplace typically runs from November 1 to December 15 of each year. During this time, residents can shop for, compare and enroll in health insurance plans. If you miss the deadline, you can sign up during a Special Enrollment Period if you experience certain life events like marriage, having a baby or losing other coverage. Otherwise, you must wait until the next open enrollment period to obtain coverage, barring any qualifying events that grant you a Special Enrollment Period.

Medicaid in Delaware

Medicaid is a joint federal and state program providing health care coverage to low-income individuals and families. In Delaware, eligibility for Medicaid is determined by income, age, pregnancy status, disability status and family size, with a focus on children, pregnant women, elderly adults and individuals with disabilities. The specific income thresholds are based on a percentage of the Federal Poverty Level and can vary annually. Applicants must also be U.S. citizens or qualified non-citizens and residents of Delaware. Individuals can apply through the Delaware Division of Social Services to determine if they meet the criteria for Medicaid benefits.

Medicare in Delaware

Medicare is a federal health insurance program primarily for individuals aged 65 and over, as well as for some younger people with disabilities and those with End-Stage Renal Disease. In Delaware, residents who meet these criteria are eligible. Medicare Part A covers hospital insurance, including inpatient care and skilled nursing facilities. Part B covers medical insurance for doctor visits, outpatient care and other medical services. Part C, known as Medicare Advantage, offers an alternative way to get Parts A and B coverage through private insurance companies and often includes Part D, which is prescription drug coverage. Lastly, Medicare Supplement (Medigap) plans are designed to help pay for out-of-pocket costs not covered by Original Medicare (Parts A and B).

MoneyGeek found the best Medicare Advantage Plans in Delaware and the best Medicare Supplement plans in Delaware.

Expert Tips on Finding the Cheapest Delaware Health Insurance

  1. What factors should individuals and families in Delaware consider when selecting a plan with the lowest out-of-pocket maxes?
  2. Are Health Savings Accounts (HSA) a viable option for those looking for the cheapest coverage in Delaware?
  3. Are there any special considerations that should be taken into account when selecting a plan in Delaware for people with pre-existing conditions?
  4. In your view, what can be done to make health insurance more affordable in the state of Delaware?
Andrew Rosen, CFP
Andrew Rosen, CFPPresident of Diversified LLC

Delaware Health Insurance FAQ

You may have questions about cost and availability when looking for health insurance. MoneyGeek responded to frequently asked questions about cheap private health insurance in Delaware to help you learn more.

What are the cheapest Silver and Gold plans in Delaware for 2024?
What are the downsides of a cheap health insurance plan?

About Mark Fitzpatrick


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Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.

Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.


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