Compare affordable ACA marketplace and private health insurance plans in Delaware for 2026. Top carriers, metro pricing, and a Delaware-licensed agent — free.
We are not a Delaware state agency, not HealthCare.gov, and not affiliated with any government marketplace. Health Enrollment Center is operated by Sprinter Insurance Agency LLC.
Delaware enrolls through the federal marketplace at HealthCare.gov and expanded Medicaid to adults up to 138% of the poverty line, so lower-income residents are routed to Medicaid while everyone above that shops the marketplace — where more than 80% of Delaware enrollees receive a premium subsidy. About 36,000 residents are covered through the marketplace.
The carrier mix narrowed for 2026 when Aetna left the state, leaving three individual carriers: Highmark Blue Cross Blue Shield of Delaware, AmeriHealth Caritas, and Ambetter. Because Delaware has only three counties, your real choice comes down to whether you're near Wilmington's ChristianaCare-anchored network up north, Dover's Bayhealth in the middle, or the Beebe and Bayhealth systems down in coastal Sussex — price and network both shift as you move down the state.
We're licensed in Delaware and quote its carriers directly. Below is how coverage works here — where Medicaid ends and marketplace subsidies begin — plus the areas and situations we help with most.
Delaware residents enroll in individual ACA plans through the federal marketplace, HealthCare.gov.
Delaware expanded Medicaid to adults up to 138% of the federal poverty level, so lower-income residents may qualify for no-cost coverage while marketplace premium tax credits pick up just above that line.
These companies offer individual and family health plans in Delaware. We're an independent agency, not an insurance company, and we don't offer every plan available here. Tell us which doctors and hospitals matter to you and we'll show you what we can quote.
Bronze, Silver, Gold and Platinum plans that cover all ten essential health benefits — with premium tax credits for about 4 in 5 enrollees.
Explore →Bridge coverage that can start as soon as tomorrow — for the gap between jobs, plans, or enrollment periods.
Explore →Just got a COBRA letter? Losing job-based coverage opens a 60-day Special Enrollment Period — and because COBRA carries no employer contribution and no premium tax credit, the alternative is often much cheaper.
Explore →Freelancers, contractors, gig workers and small-business owners — coverage that isn't tied to an employer, and may be tax-deductible.
Explore →Plans that scale with your household — pediatric dental and vision included, with networks that keep your kids' doctors in-network.
Explore →Retired before 65? Bridge the gap to 65 without paying retiree-plan or COBRA prices.
Explore →Don't see yours? Call a licensed agent — most answers take under two minutes.
For lower-income residents it's often no-cost Medicaid; above that, a subsidized marketplace plan is usually cheapest, and more than 80% of Delaware enrollees qualify for a premium tax credit. We compare your options for your exact ZIP and income.
No. Delaware uses the federal marketplace at HealthCare.gov. A licensed Delaware agent can enroll you in those same plans at no extra cost and also show you private off-marketplace options HealthCare.gov doesn't display.
No. We're a licensed insurance agency paid by the carriers, not by you. The premium of any plan is identical whether you enroll through us or directly with the insurer — you just also get an agent who handles renewals and claims questions.
No. Health Enrollment Center is a brand operated by Sprinter Insurance Agency LLC, a private licensed insurance agency. We are not HealthCare.gov, not a state exchange, and not affiliated with any government agency. We help you enroll in marketplace plans when they're the best fit, and we also show private plans the marketplace doesn't carry.
Start with your ZIP. Two quick questions, then a licensed agent brings you the plans you actually qualify for — no cost, no obligation.