ACA Health Insurance > Break Down > Health Insurance in Delaware
Health Insurance Delaware | Your Friendly Guide to Affordable Coverage
From Wilmington to Dover—We’ve Got Delaware Covered.
Hey there, Delaware neighbor! Thinking about health insurance but feeling overwhelmed? You’re not alone. Whether you’re shopping for your first plan or looking for something better, this guide will make health insurance in Delaware easy to understand. No confusing jargon. No pressure. Just clear, helpful info to get you started with confidence.
Why Should You Buy Health Insurance in Delaware?
Unexpected health issues can happen anytime—and the costs can add up fast. Health insurance helps protect your finances while giving you access to the care you need when you need it.
Why it’s important in Delaware:
Nearly 7% of Delawareans under 65 are uninsured—slightly below the national average but still significant.
Medical bills remain one of the top causes of debt in the state.
ACA plans offer no-cost preventive care like checkups, vaccines, and screenings—helping you stay healthier and catch issues early.
Even if you’re healthy, coverage ensures you have a safety net when life throws the unexpected your way. It’s smart protection for your health—and your wallet.
Types of Health Insurance Available in Delaware
Marketplace Plans (ACA via HealthCare.gov)
Delaware uses the federal HealthCare.gov exchange where residents can compare ACA plans and see if they qualify for financial assistance.
Short-Term Insurance
Short-term plans are available for temporary needs, but be aware—they offer limited benefits and are not ACA-compliant.
Medicare
For those 65+ or with certain disabilities. Covers hospital stays, doctor visits, and prescription drugs, with optional supplemental plans.
Medicaid (Delaware Medicaid & CHIP)
Delaware’s Medicaid and CHIP programs offer free or low-cost health coverage to eligible residents, including children, pregnant women, and people with disabilities.
Private Insurance
Some people get insurance through their jobs or purchase it directly from private carriers. Our agents can help compare these with Marketplace plans.
Compare plans based on price and benefits with us.
Is Health Insurance Required in Delaware?
There’s no state mandate in Delaware requiring you to have health insurance, but skipping it is still risky business.
Without coverage, medical bills can get out of control fast. You’d also miss out on no-cost preventive care and affordable prescriptions.
So while you won’t face a fine, having health insurance in Delaware is still one of the smartest ways to protect your health and avoid surprise medical debt.
How Much Does Health Insurance Cost in Delaware?
Costs vary based on where you live, your age, income, and family size. The good news? Many Delaware residents qualify for premium tax credits that lower their monthly premiums through HealthCare.gov.
Some people pay as little as $0/month after subsidies. Most others pay under $75/month, depending on income and household size. Even if you think you don’t qualify, it’s worth checking.
If you’re 65 or older, Medicare plans will have their own costs based on the plan type you select—Original, Advantage, or Supplemental.
💡 Consider adding an embedded calculator here to help Delaware residents estimate costs.
How to Pick the Right Health Plan for You
To make the best choice, ask yourself:
How often do I visit the doctor?
What prescriptions do I need covered?
Do I want to keep seeing my current doctor?
What’s my realistic budget?
Some Delawareans prefer low premiums and higher deductibles. Others prefer more predictable costs with fuller coverage. It depends on your needs and comfort level.
If you’re feeling stuck, our local agents can walk you through your choices, explain your benefits, and help you find the plan that works best for you—without the headaches.
Our Health Insurance Services in Delaware
Navigating insurance can feel like a maze—but you don’t have to do it alone. Our Delaware-based agents are ready to make the process easy, understandable, and pressure-free.
Who We Help
We help:
Young adults aging off their family’s plan
Self-employed and gig workers
Seniors entering Medicare
Families seeking affordable options
Anyone who wants honest, down-to-earth guidance
What We Offer
We can assist with:
ACA Marketplace plans via HealthCare.gov
Private insurance
Medicare and Medicaid enrollment
Dual-eligible plans
Dental, vision, and prescription programs
And yes, we offer bilingual support for Spanish speakers.
How to Get Started
Compare plans.
Chat with an agent (optional).
Enroll online or by phone.
Done and done—you’re covered.
Most Affordable Health Insurance in Delaware
Looking for budget-friendly plans in Delaware? Here are three popular carriers offering affordable ACA plans:
Highmark Blue Cross Blue Shield Delaware – Known for competitive rates and strong local provider networks.
AmeriHealth Caritas Delaware – Offers affordable Medicaid and ACA plans with a focus on community care.
Oscar Health – Tech-friendly plans with simple tools and telehealth services included.
We help you compare plans across all these carriers and more—so you get the right fit for your needs and budget.
Top 3 Most Uninsured Cities in Delaware
While Delaware has a lower uninsured rate overall, some areas still struggle:
Wilmington, DE – The largest city sees higher uninsured rates, especially in lower-income communities.
Dover, DE – Many part-time workers and younger adults remain uninsured.
Seaford, DE – Rural communities and agricultural workers often lack employer-sponsored coverage.
Wherever you live in Delaware, we’re here to help you find affordable coverage and peace of mind.
Final
Don’t wait for a health emergency to figure this out. Health insurance is your shield against the unexpected—and your ticket to preventive care that keeps you feeling your best.
We’re here to Tip from Your Friendly Guidehelp. Whether you want to compare plans, ask questions, or just chat, let’s get you covered today.
Just a heads-up! We looked at our own data to figure out the average health insurance prices as of January 2025. These numbers are just meant to give you an idea—your actual quote might be different depending on your personal situation.
Also, our lawyers want us to remind you: this info is general and doesn’t change what’s actually written in your real insurance policy, which can be different depending on where you live. It’s always a good idea to chat with your own trusted advisor if you have specific questions.
This post is just here to help you get helpful info and tips—not to replace real advice. Plus, if we mention anything from other people or companies, just know that’s their opinion, not ours. And remember, not all plans or discounts are available everywhere!