Find Affordable Health Insurance in Delaware

Your health insurance plays a key role in your overall health and wellness. Insurance coverage is important in helping you to get the care you need without stressful financial situations.

While the state of Delaware doesn’t legally require you to carry health insurance, a health insurance policy can help you to cope with unexpected diagnoses, trips to the emergency room, and more.

Shopping for health insurance can feel overwhelming, but there are many affordable policies in Delaware for you to choose from. Whether you live in Delaware or are planning to move to the state, we’ve included some essential information on health insurance in Delaware to help you find the best policy for your healthcare needs.

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How Delaware Health Insurance Rates Are Calculated

Several factors contribute to the cost of Delaware health insurance plans. When calculating your rates, insurance providers consider your location and other details:

Age
Current health
Whether you smoke
Number of dependents included on the policy
Marital status
Type of coverage

While we’ve included information on the average cost of health insurance in Delaware, your actual costs may vary. Contact ConsumerCoverage today for a free quote and more specific information on what you will pay for health insurance.

The Average Cost of Health Insurance in Delaware

The average cost of health insurance in Delaware in 2023 is $449 per month for a Bronze plan for a single adult. Bronze plans feature lower monthly premiums, but out-of-pocket costs and deductibles are higher.

A 40-year-old American pays an average of $440 per month for a Bronze plan. Average costs for health insurance in Delaware are just $9 higher than the national average costs.

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Types of Delaware Health Insurance Plans

As you shop for health insurance in Delaware, you’ll be able to choose from several types of plans. We’ve highlighted some of the most common plan types that you might see.

Health Maintenance Organization (HMO) plans offer low premiums and deductibles. You will be required to have a primary care physician and you’ll need to receive care from in-network providers for your costs to be covered.
Preferred Provider Organization (PPO) plans give you slightly more flexibility, since you can receive healthcare outside of your network and don’t need a primary care physician. These plans have higher premiums and deductibles.
Point of Service (POS) plans are similar to HMO plans, but offer more flexibility. You can receive care outside of your network for an additional cost and don’t need a primary care physician. These plans have slightly higher premiums and deductibles.
Exclusive Provider Organization (EPO) plans require that you receive care within your network, but you aren’t required to have a primary care physician. These plans have lower premiums and deductibles.

Levels of Health Insurance in Delaware

Delaware health insurance plans are also offered at different levels, including Bronze, Silver, Gold, and Platinum levels.

Bronze plans feature lower monthly premiums but higher deductibles.
Silver plans have higher premiums but lower deductibles.
Gold and Platinum plans have much higher premiums, but offer more comprehensive coverage. They are often suitable if you have a chronic condition or need frequent, expensive healthcare.

How to Get Affordable Health Insurance in Delaware

As you shop for health insurance in Delaware, you can save money in several ways. If your employer sponsors health insurance for its employees, you may be able to get a discount on your insurance. Depending on your income level and age, you might qualify for Medicaid, Medicare, or the Delaware Healthy Children Program, which can provide you with low-cost health insurance.

Finding affordable health insurance in Delaware starts with comparing quotes. Request your free health insurance quote from ConsumerCoverage today so you can find the policy that’s the best fit for your needs and your budget.

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Paige Cerulli Paige Cerulli is a freelance content writer and journalist who specializes in personal finance topics. She graduated from Westfield State University and brings more than a decade of professional writing experience to the ConsumerCoverage team. Paige’s work has appeared in outlets including USA Today, Business Insider, and more.