The cheapest Silver health insurance plan in Delaware is AmeriHealth Caritas Next Silver Classic.

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AmeriHealth Caritas Next Silver Classic is the cheapest Silver health plan in all three Delaware counties. It costs as little as $528 per month for a 40-year-old. You can expect to save roughly 7% off the Delaware state average with this plan.

In Delaware, the average cost of health insurance is $567 per month for a Silver plan for a 40-year-old.

Aetna, AmeriHealth and Highmark Blue Cross Blue Shield (BCBS) are the only three health insurance companies in Delaware. That means your health plan selection will be limited compared to other states.

Highmark BCBS is both the most expensive and most popular health insurance company in Delaware.

It sells 98% of individual health plans, with an average cost of $585 per month for a 40-year-old with a Silver plan.

How much does health insurance cost in Delaware?

On average, a 40-year-old living in Delaware will pay $567 per month for a Silver health plan. You can expect your monthly rate to increase as you grow older.

Higher-tier plans, such as Gold and Platinum, have more expensive monthly rates but lower costs when you visit the doctor or get a prescription filled. Lower-tier plans like Bronze and Catastrophic coverage have cheaper rates, but you should be prepared to pay more if you access medical care.

Cheapest health insurance in Delaware

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The plan tier you choose and your age both affect your health insurance costs.

In Delaware, a 40-year-old would pay 28% more than a 21-year-old for a Silver policy, while a 60-year-old would pay more than twice as much as a 40-year-old for the same policy.

Age-related price differences are typically modest for young adults. You see the sharpest increases as you near retirement age. Fortunately, you can normally qualify for Medicare once you reach 65, which usually lowers the cost of insurance.

Cheapest health insurance in Delaware

AmeriHealth Caritas Next has the cheapest health insurance plans in Delaware for Bronze, Silver and Gold plan tiers.

But if you want Catastrophic or Platinum coverage, you'll have to go with Highmark BCBS. It's the only health insurance company in Delaware to offer all five plan tiers.

Aetna only sells Silver and Gold plans in Delaware.

Cheapest health insurance in DE

Tier
Cheapest plan
Monthly cost
Catastrophic Highmark Blue Access Major Events PPO Catastrophic 9450 $345
Bronze AmeriHealth Caritas Next Bronze Classic $384
Silver AmeriHealth Caritas Next Silver Classic $528
Gold AmeriHealth Caritas Next Gold Classic $526
Platinum Highmark my Blue Access PPO Platinum 0 $783

Monthly costs are for a 40-year-old.

Health plan availability varies by location. The cheapest plan in your county may be different from the plans listed in the table above.

The cheapest health insurance plan won't always be the best option for you.

Consider factors like a company's customer satisfaction reputation and whether you want a PPO or an HMO before choosing a health insurance plan.

Find the best health insurance for you in Delaware

AmeriHealth Caritas Next has the cheapest health insurance in all three of Delaware's counties.

However, the best health insurance plan for you may not be the cheapest on the market.

You should look at factors like how many complaints a company gets and which doctors you can see when picking a plan. It's also important to note that plan availability varies by county. Finally, you should decide which plan tier will cost you the least in the long run.

Gold and Platinum plans usually have more expensive upfront costs, but you'll pay less when you access medical care. These plans are best suited for people with ongoing illnesses. If you're in good health and you can cover an unexpected cost, you should opt for a Silver or Bronze plan. These plans have a cheaper monthly rate but higher costs when you visit the doctor or get a prescription filled.

Do you qualify for health insurance subsidies?

You can qualify for government subsidies, also called premium tax credits, with a Bronze, Silver, Gold or Platinum plan. These marketplace subsidies can substantially lower your monthly rate if you earn below a certain threshold or pay more than 8.5% of your income on health insurance.

However, only Silver health insurance plans qualify for additional subsidies that help you pay for out-of-pocket costs, such as your deductible, copay and coinsurance. These subsidies, also called cost-sharing reductions (CSRs), are harder to qualify for compared to normal marketplace subsidies.

A single person can earn up to $58,320 per year and still qualify for premium tax credits, while the income limit for CSRs is capped at $36,450.

Gold and Platinum plans: Best for high medical costs

Gold and Platinum health plans charge the highest monthly rates, but they typically have the cheapest out-of-pocket costs, such as deductibles, copays and coinsurance.

Consider a Gold or Platinum plan if you have costly, ongoing medical treatments. You'll likely save money on doctor's visits and medicine.

Silver plans: Best for most people

Silver plans offer middle-of-the-road monthly rates and out-of-pocket costs. You can also qualify for cost-sharing reductions if you have a low household income.

These subsidies reduce the cost of visiting the doctor and buying prescription drugs.

Bronze and Catastrophic plans: Best for healthy people with emergency savings

While Bronze and Catastrophic plans have the cheapest monthly costs, their high deductibles mean you'll usually have to pay thousands of dollars before your full health insurance benefits kick in.

You can't buy a Catastrophic plan unless you're younger than 30 or if you qualify for a hardship exemption. Catastrophic plans are also not eligible for premium tax credits, which could make them more expensive than a Bronze plan if you earn a low income.

Medicaid: Best if you have a low income

You can qualify for Medicaid in Delaware if you earn below roughly $21,000 for a single person or $41,000 for a family of four. Medicaid is free health insurance that the government offers to people who earn a low income.

Are health insurance rates going up in Delaware?

The average cost of health insurance in Delaware was mostly flat between 2023 and 2024. Bronze and Gold plan rates decreased slightly, rates for Platinum plans went up by 4% and Silver plans didn't see movement in either direction.

Catastrophic health coverage was an exception, with costs rising 8% over the past year.

Tier
2022
2023
2024
Change (2023 vs. 2024)
Bronze$426$449$437-3%
Silver$555$566$5670%
Gold$555$583$570-2%
Platinum$687$769$7964%
Show All Rows

Monthly costs are for a 40-year-old.


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Best cheap health insurance companies in Delaware

Highmark BCBS is the best health insurance in Delaware because of its low costs and high levels of customer satisfaction.

Adjusted for size, Highmark BCBS has the lowest recorded number of customer complaints out of any health insurance company in Delaware. Blue Cross Blue Shield also got high marks from ValuePenguin's editors with a company score of four out of five stars.

Customer complaint data is not available for AmeriHealth Caritas, possibly due to its small market share.

In 2024, you can buy plans from three companies on HealthCare.gov .

Cheapest health insurance companies in DE

AmeriHealth Caritas offers the best cheap health insurance in all three of Delaware's counties. However, if you're considering factors other than price, you should remember that plan availability can vary by location.

Company
Cost

AmeriHealth Caritas Next logo
AmeriHealth Caritas Next$528

Aetna logo
Aetna CVS Health$558

Highmark logo
Highmark Blue Cross Blue Shield Delaware$585

Average monthly cost for a 40-year-old buying a Silver plan in DE.

Cheapest health insurance by DE county

County
Cheapest plan
Monthly rate

Kent
AmeriHealth Caritas Next Silver Classic$528

New Castle
AmeriHealth Caritas Next Silver Classic$528

Sussex
AmeriHealth Caritas Next Silver Classic$528

Cheapest Silver plan with rates for a 40-year-old

Average cost of health insurance by family size in Delaware

Your monthly health insurance bill will grow along with the size of your family. A single person with a child will pay an average of $906 per month. Each additional child costs $339, on average.

Family size
Average cost
Individual + child$906
Couple, age 40$1,133
Family of three$1,472
Family of four$1,811
Family of five$2,150

Short-term health insurance in Delaware

Short-term health insurance is available in Delaware, but policies are subject to several rules that lower their usefulness. For example, you can only buy coverage for a maximum period of three months. Policies can't be bought back to back. And you can only buy one policy per insurance company per year.

A short-term plan may help you bridge the gap between group plans if you're temporarily out of work or you have a gap in coverage. But, they come with several drawbacks.

For example, they don't have to offer the same level of coverage as an ACA marketplace plan. Marketplace plans are required by law to offer coverage in 10 essential areas.

See if you qualify for a special enrollment period before you buy short-term health insurance.

Frequently asked questions

Does Delaware have free health care?

You may qualify for free health care through Medicaid if you're a Delaware resident with an income at or below about $21,000 ($41,000 for a family of four). In addition, you may also be eligible for Medicare if you're 65 or older or if you have a qualifying disability or medical condition.

How much is health insurance per month in Delaware?

In Delaware, the average 40-year-old will pay $567 per month for a Silver plan. Both your age and the plan tier you buy will influence your

How do I get affordable health insurance in Delaware?

If you don't meet the income requirements to qualify for Medicaid, you should consider AmeriHealth Caritas Next, which is the cheapest Silver health plan in Delaware. You can also lower your monthly rate by signing up for premium tax credits, also called marketplace subsidies, if you earn a low income.

Methodology

Public use files (PUFs) were used to determine average health insurance rates by age, county, plan tier and family size for the state of Delaware. Complaint data was supplied by the National Association of Insurance Commissioners, and HealthCare.gov provided important regulatory information.

Editorial note: The content of this article is based on the author's opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.