Health insurance for Delawareans who buy their own.
We help Delawareans who buy their own coverage, from Wilmington to Sussex County, compare Marketplace plans, state continuation, Medicaid and other options after a job loss, early retirement or a move to self-employment.
Delaware plans we compare
What’s different about health insurance in Delaware.
Every state runs its individual market a little differently. These are the rules that matter most if you buy your own coverage here.
Read the Delaware FAQ- Delaware uses HealthCare.gov for enrollment. Open enrollment for 2027 runs November 1, 2026 to January 15, 2027, with December 15 as the deadline for a January 1 start.
- Only three insurers sold Marketplace plans in 2026, and Ambetter is leaving at the end of 2026, which leaves Highmark and AmeriHealth Caritas for 2027.
- Full-price premiums rose about 27.7% on average for 2026 and approved 2027 increases are about 14% to 17%, so the subsidy you qualify for matters a lot.
- The enhanced federal subsidies ended after 2025, so households above 400% of the poverty level generally get no premium help.
- Delaware expanded Medicaid to adults with income up to 138% of the poverty level.
- Short-term plans are limited to 3 months, once per year, with no renewals.
However you got here, there’s a better plan than the first one you were offered.
Leaving a job, or staring at a COBRA bill
Compare COBRA and Delaware's own continuation rules with Marketplace plans and everything else you qualify for.
Compare your options
Retired before 65
Bridge the years to Medicare without draining savings.
Learn more
Self-employed or 1099
Solid coverage, manageable premiums, and the tax deduction most people miss.
Learn moreLooking beyond the Marketplace
Health sharing and other non-ACA options, with the trade-offs explained.
Learn moreNeed coverage for a short gap
What short-term coverage looks like in Delaware, and what to use instead.
Learn moreWho sells plans in Delaware
Every insurer offering individual and family plans for 2026.
Learn moreFrom first conversation to coverage in three steps.
- 1
Tell us your situation
Share your ZIP, age, budget and the doctors you want to keep. Online or by phone, with no commitment.
About 5 minutes - 2
We compare every option
A licensed agent checks the plans sold in your county for premiums, deductibles, networks and prescriptions.
Usually within 1 business day - 3
Enroll with confidence
See your best matches side by side. Pick one and we handle the enrollment, then stay with you for renewals.
We handle the paperwork
Straight answers before you call.
More in our Delaware FAQ, or ask an agent at (888) 214-4898.
No. Delaware residents apply and enroll through HealthCare.gov or by calling 1-800-318-2596. The state still reviews the plans and rates that insurers sell there.
Open enrollment runs from November 1, 2026 to January 15, 2027. To have coverage start January 1, choose a plan and pay your first premium by December 15. After January 15, you need a qualifying life event to enroll.
KFF reports that the 2026 benchmark Silver plan for a 40-year-old averaged about $691 a month in Delaware before subsidies. Your price depends on your age, location, plan and household income.
See what you'd actually pay.
A licensed agent will compare plans from every insurer in your Delaware county, check your subsidy, and walk you through the options. No cost, no obligation.