Health Insurance Plans in Delaware
Browse ACA Marketplace plans available to Delaware residents on the federal exchange. 39 plans available for 2026. Starting from $482/month.
Lowest Monthly Premium
$482/mo
Before subsidies · 30-year-old
Avg Bronze Premium
$525/mo
13 plans available
Avg Silver (Benchmark)
$674/mo
Basis for APTC subsidy calculation
Plans by Metal Tier
Average premiums for a 30-year-old individual in Dover, DE
Lowest monthly premium, highest cost-sharing. Best if you're healthy and rarely use care.
$525/mo avg
from $482 – $579
Mid-range premiums with moderate cost-sharing. Qualifies for Cost-Sharing Reductions (CSR) if income-eligible.
$674/mo avg
from $609 – $793
Higher premiums, lower cost-sharing. Best if you use healthcare regularly.
$687/mo avg
from $646 – $740
Highest premiums, lowest out-of-pocket costs. Ideal for frequent, predictable care.
$904/mo avg
from $901 – $906
Lowest-Premium Plans Available
Sample plans near Dover — enter your ZIP for exact results
AmeriHealth Caritas Next Bronze Essential + No Referrals
AmeriHealth Caritas Next
$482/mo
Ded: $10,600
Everyday Bronze
Ambetter Health of Delaware
$496/mo
Ded: $8,450
Standard Expanded Bronze
Ambetter Health of Delaware
$498/mo
Ded: $7,500
AmeriHealth Caritas Next Bronze Signature + No Referrals
AmeriHealth Caritas Next
$511/mo
Ded: $7,500
my Blue Access Select PPO Bronze 9200
Highmark Blue Cross Blue Shield Delaware
$514/mo
Ded: $9,200
Everyday Bronze + Vision + Adult Dental
Ambetter Health of Delaware
$515/mo
Ded: $8,450
Standard Expanded Bronze + Vision + Adult Dental
Ambetter Health of Delaware
$517/mo
Ded: $7,500
AmeriHealth Caritas Next Bronze Premier + No Referrals
AmeriHealth Caritas Next
$521/mo
Ded: $3,850
Principal Bronze HSA
Ambetter Health of Delaware
$528/mo
Ded: $5,200
Principal Bronze HSA + Vision + Adult Dental
Ambetter Health of Delaware
$549/mo
Ded: $5,200
Prices shown are for a 30-year-old near Dover without subsidies. Your actual premium depends on your age, ZIP code, household size, and income.Get your personalized price →
Frequently Asked Questions
How many ACA plans are available in Delaware?
Approximately 39 ACA Marketplace plans are available in Delaware for 2026. The exact count varies by county — some areas have more insurer competition than others.
What is the cheapest health insurance plan in Delaware?
For a 30-year-old without subsidies, the cheapest plan near Dover starts at about $482/month. Bronze plans have the lowest premiums. If your income qualifies for the Advance Premium Tax Credit (APTC), you could pay significantly less — or nothing at all.
Does Delaware use HealthCare.gov?
Yes — Delaware is a federal marketplace state, so residents shop for ACA plans at HealthCare.gov. Policymage uses the same underlying federal marketplace data to let you compare plans before enrolling.
What is the Silver benchmark plan and why does it matter?
The Silver benchmark plan in Delaware averages $674/month. This benchmark is used by the federal government to calculate your APTC subsidy amount — it's the second-lowest-cost Silver plan in your county. Even if you choose a Bronze or Gold plan, your subsidy is based on the Silver benchmark.
Find Plans in Delaware
Enter your ZIP code to see all plans available in your county with your exact premium after subsidies.
More Delaware guides
Best plans in Delaware Cheapest plans in Delaware HSA-eligible plans in Delaware