How Much Is Health Insurance in Delaware?

On this page

• What a Delaware Marketplace plan costs before subsidies
• What you’d pay after a tax credit
• Costs beyond the premium
• Delaware Marketplace facts
• When to enroll
• Other options in Delaware
• Frequently asked questions

What a Delaware Marketplace plan costs before subsidies

Age	Benchmark silver plan, per month (2026 estimate)
21	$541
30	$614
40	$691
50	$966
60	$1,467
64	$1,622
Child under 15	$414

For two 40-year-old parents and two young children, benchmark coverage would cost about $2,209 a month without a tax credit.

Averaged across every plan Delawareans actually picked in 2026, the full price was $901 a month. Delaware’s reinsurance program is meant to hold those prices down. CMS projected it would make 2025 premiums 15.3% lower than they’d be without it, and it’s approved through 2029.

What you’d pay after a tax credit

If your household income falls between 100% and 400% of the federal poverty level, the premium tax credit holds your cost for the benchmark plan to a set share of that income. Say you’re 40, single and earning $40,000: you’d pay about $287 a month for the benchmark plan in 2026, and the credit would cover about $404. In 2027 your share would be about $289 a month. Above 400% of the poverty level, which is $62,600 for one person for 2026 coverage and $63,840 for 2027, you’d pay the full premium.

Delaware enrollees who qualified for a credit paid $172 a month on average in 2026. Counting everyone, the average was $320 a month after subsidies.

Delaware expanded Medicaid, so adults with incomes up to 138% of the poverty level (about $22,025 a year for one person in 2026) can usually get Medicaid instead. See health insurance for low-income families.

Costs beyond the premium

Premiums are the fixed part of the bill. When you get care, you’ll also pay toward a deductible and then copays or coinsurance, but never more than the out-of-pocket maximum for covered in-network care: $10,600 for one person in 2026 and $12,000 in 2027. Silver plans come with cost-sharing reductions that lower those costs if your income is under 250% of the poverty level.

Delaware Marketplace facts

• Marketplace: HealthCare.gov, the federal exchange, for 2027 as in past years.
• Enrollment: 44,663 plan selections for 2026, down from 52,931 in 2025. 81% got financial help.
• Insurers: AmeriHealth Caritas, Highmark Blue Cross Blue Shield and Ambetter sold 2026 plans. Ambetter exits at the end of 2026, so Highmark and AmeriHealth Caritas are the medical insurers for 2027. If Ambetter covers you now, see what to do if your insurance company leaves the Marketplace. Delta Dental and Dominion Dental sell stand-alone dental plans.
• 2027 prices: Approved by the Delaware Department of Insurance. Highmark’s rates rise 17.2% on average (it requested 20.2%), and AmeriHealth Caritas’s rise 13.94%. Across both, the weighted average is about 16.4% to 16.5%, depending on the calculation. See premium increases by state.
• State help: Reinsurance since 2020, with federal approval running through 2029. No state premium subsidy, public option or individual mandate.
• Medicaid: Delaware Medicaid covers adults up to 138% of the poverty level, and the Delaware Healthy Children Program covers kids up to 217%. Medicaid coverage continues for 12 months after a baby is born. A 2025 federal law requires most expansion states to add Medicaid work requirements in 2027; see Medicaid work requirements.

When to enroll

Open enrollment for 2027 coverage runs from November 1, 2026 to January 15, 2027 on HealthCare.gov. Enroll by December 15 and your coverage starts January 1. Ambetter’s plans end with 2026, so if you’re an Ambetter member, choosing a new plan by December 15 keeps you covered from the first day of the year.

Other options in Delaware

• Employer coverage, which is often the least expensive route when you can get it.
• Delaware Medicaid for adults up to 138% of the poverty level, and the Delaware Healthy Children Program for kids; see health insurance for children.
• Medicare at 65.

Health insurance costs in nearby states: Maryland, Pennsylvania and New Jersey. You can also compare health insurance costs in every state.

See 2027 plans and prices in your Delaware county: compare quotes by ZIP code.

Frequently asked questions

Is Delaware switching to its own health insurance exchange?

Not for 2027. Delaware residents still shop and enroll on HealthCare.gov, where open enrollment runs from November 1, 2026 to January 15, 2027.

How much are Delaware premiums going up in 2027?

The state approved an average increase of 17.2% for Highmark and 13.94% for AmeriHealth Caritas, before subsidies. Together that works out to about 16.4% to 16.5% on average.

Is Ambetter leaving Delaware?

Yes. Ambetter stops selling Marketplace plans in Delaware at the end of 2026. Members who want to keep Marketplace coverage will need to pick a Highmark or AmeriHealth Caritas plan during open enrollment.

Does Delaware have its own health insurance subsidy?

No. Delaware doesn’t offer a state premium subsidy, so premium help comes from the federal tax credit. The state does run a reinsurance program, which CMS projected would make 2025 individual-market premiums 15.3% lower than without it.

This article is general information, not insurance or tax advice. Your premium depends on your county, age, income and plan. Last reviewed September 2026.