Short answer: Delaware uses HealthCare.gov. For 2027, 2 insurers sell marketplace plans across its 3 counties; PPO plans are sold in 3 of 3 counties. The cheapest Silver plan for a 40-year-old is $869 a month in every county before any tax credit, and the cheapest Gold costs less than the cheapest Silver in 3 of 3 counties. Open Enrollment for 2027 coverage runs November 1, 2026 to January 15, 2027; pick a plan by December 15 for a January 1 start.
- 2insurers selling Delaware marketplace plans for 2027
- $869a month: the typical county’s cheapest 2027 Silver plan for a 40-year-old
- 3 of 3counties with a marketplace PPO plan for 2027
- 3 of 3counties where the cheapest Gold beats the cheapest Silver
Who Sells Marketplace Plans in Delaware for 2027
AmeriHealth Caritas Next (all 3 counties) and Highmark Blue Cross Blue Shield Delaware (all 3 counties).
Lowest 2027 Prices by Metro
| Area | Bronze | Silver | Gold | Silver deductible |
|---|---|---|---|---|
| Wilmington (New Castle County) | $663 | $869 | $821 | $5,000 |
| Dover (Kent County) | $663 | $869 | $821 | $5,000 |
| Lewes (Sussex County) | $663 | $869 | $821 | $5,000 |
Lowest monthly price in each metal tier for a 40-year-old, before any tax credit, from the CMS plan year 2027 landscape file. The deductible is the cheapest Silver plan’s.
Every Delaware County
| County | Rating area | Insurers | Plans | Lowest Silver, age 40 | Lowest Bronze, age 40 |
|---|---|---|---|---|---|
| Kent | 1 | 2 | 29 | $869 | $663 |
| New Castle | 1 | 2 | 29 | $869 | $663 |
| Sussex | 1 | 2 | 29 | $869 | $663 |
Open Enrollment 2027 in Delaware
Delaware sells its plans through HealthCare.gov. Open Enrollment for 2027 coverage runs November 1, 2026 to January 15, 2027; a plan picked by December 15 starts January 1. Outside those dates, a qualifying event such as a move into Delaware, losing other coverage, marriage or a new child opens a 60-day window.
The 2027 Tax-Credit Line in Delaware
For 2027 coverage the premium tax credit stops at 400% of the poverty line: $63,840 of income for one person, $132,000 for a family of four. Below it the benchmark Silver plan costs no more than 10.22% of income; above it the prices in the tables are the prices. Gold costing less than Silver in 3 of 3 counties is the marketplace’s silver-loading at work: insurers price Silver for the cost-sharing help it carries, so a full-price buyer should look at Gold first, and a Bronze plan is HSA-qualified since 2026 (IRS Notice 2026-05).
Self-Employed and S Corp Owners in Delaware
Premiums paid for yourself are deductible: the self-employed health insurance deduction in Delaware and the S-corp health insurance deduction in Delaware walk through the federal rules, the Delaware tax treatment and 2027 prices, with a calculator.
Moving to Delaware
A plan from another state does not move with you; a new Delaware address opens a 60-day window. Moving to Delaware: health insurance after the move has the dates, the marketplace and where Delaware’s newcomers come from.
Common Questions
How many insurers sell marketplace health insurance in Delaware for 2027?
2, by brand: AmeriHealth Caritas Next and Highmark Blue Cross Blue Shield Delaware.
Are there PPO plans on the Delaware marketplace for 2027?
In 3 of 3 counties. The rest have HMO plans only.
What does the cheapest Silver plan cost in Delaware?
For a 40-year-old before any tax credit, from $869 a month in Kent County to $869 in Sussex County for 2027; the typical county is $869.
When is Open Enrollment for 2027 coverage in Delaware?
November 1, 2026 to January 15, 2027 on HealthCare.gov. Pick a plan by December 15, 2026 for coverage that starts January 1, 2027.