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Delaware · 2026 plan year

Medicare Advantage HMO plans in Delaware

There are 24 Medicare Advantage HMO plans in Delaware from 7 carriers, averaging 3.65 out of 5 stars across the 17 plans CMS has rated. Nearly all charge no monthly plan premium, so what separates them is network, drug coverage and how much you could owe in a bad year.

24
HMO plans
7
Carriers
3
Counties covered
3.6
Avg stars (17 of 24 rated)
$7,671
Avg out-of-pocket max
A $0 plan premium is not a free plan. You still pay your Part B premium to Medicare, plus copays and coinsurance as you use care. Star ratings are published by CMS per contract, so every plan a carrier files under the same contract shares one rating — it describes the carrier’s performance, not this specific plan’s benefits. Estimate your real costs.

46% of Delaware's HMO plans are Special Needs Plans.

11 of 24 plans here are SNPs — restricted to people who also have Medicaid, live in an institution, or have a qualifying chronic condition. If none of those apply to you the field is smaller than the headline count suggests, so filter them out before comparing.

7 of Delaware's HMO plans carry no star rating yet.

CMS rates a contract, not a plan, and does not rate one that is too new or has too little data — so 7 plans here shows no rating at all. Unrated is not the same as badly rated; it usually means a new contract, and those plans have to be judged on benefits and network instead.

Not sure whether Medicare Advantage suits you at all? Medicare Advantage vs Original Medicare covers the trade in plain language.

Highest rated

Top-rated HMO plans in Delaware

PlanStarsOut-of-pocket maxPremium / mo
AARP Medicare Advantage Essentials from UHC DE-3 (HMO-POS)UnitedHealthcare4★$5,900$0
UHC Complete Care DE-4 (HMO-POS C-SNP)UnitedHealthcare · Chronic or Disabling Condition SNP4★$5,900$0
Aetna Medicare Advantra Signature (HMO)Aetna Medicare4★$6,500$0
AARP Medicare Advantage Extras from UHC DE-6 (HMO-POS)UnitedHealthcare4★$6,700$0
AARP Medicare Advantage Patriot No Rx DE-MA01 (HMO-POS)UnitedHealthcare4★$6,700$0

Showing 5 of 24. See all DelawareMedicare Advantage plans →

Who sells here

HMO plans by carrier

CarrierPlansAvg starsSNPs
Aetna MedicareCVS Health Corporation53.82
UnitedHealthcareUnitedHealth Group, Inc.54.02
HumanaHumana Inc.43.5—
Cigna HealthCareHealth Care Service Corporation33.01
WellcareCentene Corporation3—2
AmeriHealth Caritas VIP Care (HMO-D-SNP)Independence Health Group, Inc.2—2
Highmark Blue Cross Blue ShieldHighmark Health2—2
Other plan types in Delaware

How HMO compares

HMO
3.6★ avg · 7 carriers
24 plans · you are here
PPO
3.8★ avg · 7 carriers
19 plans

All DelawareMedicare Advantage plans →

Nearby on quality

States with similar HMO star ratings

Illinois
3.65★ average
93 HMO plans
Idaho
3.63★ average
49 HMO plans
Washington
3.61★ average
73 HMO plans
Common questions

Delaware Medicare Advantage HMO plans, answered

How much do Medicare Advantage HMO plans cost in Delaware?
Of the Delaware HMO plans with a published premium, 95% charge $0 a month. A $0 premium does not mean the plan is free: you still pay your Part B premium to Medicare, plus copays and coinsurance as you use care. The number that actually caps a bad year is the in-network out-of-pocket maximum, which averages $7,671 across these plans.
What are the star ratings for Delaware HMO plans?
The 17 rated HMO plans in Delaware average 3.65 out of 5 stars, with 9 rating 4 or better. CMS rates a contract rather than an individual plan, so every plan a carrier files under the same contract shares one score. A contract that is too new or has too little data is not rated at all, which is different from rating badly.
How many Medicare Advantage HMO plans are available in Delaware?
There are 24 HMO plans from 7 carriers, sold across 3 counties. Availability is set by county, so the plans you can actually join depend on where you live — the full list is rarely available in any one place. 11 of them are Special Needs Plans with extra eligibility rules (see below).
Do Delaware HMO plans include prescription drug coverage?
24 of the 24 HMO plans here bundle Part D drug coverage into the plan. That is the usual arrangement for Medicare Advantage and there is no separate drug premium for it — the plan premium covers both. If you join a Medicare Advantage plan without drug coverage, you generally cannot add a standalone Part D plan alongside it.
What is a Special Needs Plan, and are there any in Delaware?
11 of the 24 HMO plans in Delaware are Special Needs Plans. SNPs limit enrollment to people who also have Medicaid, live in a nursing home or similar institution, or have a qualifying chronic condition. They often carry richer benefits for that group, but if you do not meet the criteria you cannot join one — so the real number of plans open to you may be lower than the total.

A $0 premium is not the whole cost.
See what a year really looks like.

Simplivera models your actual annual costs across Delaware Medicare Advantage plans.

Estimate my costs — it’s free →