Find Affordable Coverage in Delaware
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Delaware ACA Marketplace Overview
In 2026, approximately 35,000 Delaware residents are enrolled in ACA Marketplace coverage. Delaware uses the federal exchange, Healthcare.gov for health insurance enrollment.
Delaware has expanded Medicaid under the ACA, meaning adults earning up to 138% FPL qualify for free or near-free coverage through Medicaid.
How Much Does ACA Coverage Cost in Delaware?
The benchmark Silver plan (second-lowest-cost Silver plan) in Delaware costs approximately $495/month before subsidies in 2026. However, most Delaware residents who qualify for premium tax credits pay significantly less.
- $0/month premium: Possible for Delaware households earning up to 150% of the Federal Poverty Level
- Low premiums: Households earning up to 400% FPL qualify for substantial subsidies
- Above 400% FPL: Still eligible if the benchmark plan exceeds 8.5% of household income
Use our ACA Subsidy Calculator to estimate your specific monthly costs based on your Delaware household income.
Top ACA Health Insurance Companies in Delaware
The following carriers offer ACA Marketplace plans in Delaware for 2026:
- Highmark Blue Cross
- Aetna
Plan availability varies by county in Delaware. Use Healthcare.gov to see exact plans available in your ZIP code.
ACA Plan Tiers Available in Delaware
- Bronze: Lowest premiums, highest deductibles. Best for healthy Delaware residents who rarely need care.
- Silver: Mid-range. Strongly recommended for Delaware households earning 100–250% FPL — Silver plans unlock Cost-Sharing Reductions that significantly lower deductibles and copays.
- Gold: Higher premiums, lower out-of-pocket. Best for Delaware residents who use healthcare frequently.
- Platinum: Highest premium, lowest cost per service. Available in most Delaware counties.
When to Enroll in Delaware
- Open Enrollment: November 1 – January 15 on Healthcare.gov
- January 1 coverage: Enroll by December 15
- February 1 coverage: Enroll by January 15
- Special Enrollment: Available year-round if you lose job-based coverage, move, get married, or have a baby
Delaware Insurance Resources
- Healthcare.gov — Official Delaware enrollment portal
- Delaware Department of Insurance — Plan complaints and consumer protection
- Complete ACA Guide — Full explanation of ACA Marketplace rules
- Subsidy Calculator — Estimate your 2026 premium tax credit