SimpliveraCoverage Companion
Delaware · 2026 plan year

Gold health insurance plans in Delaware

There are 14 Gold plans on the Delaware Marketplace from 3 insurers, and they are not interchangeable — premiums run from $569 to $652 a month for the same metal tier. Here is what separates them.

14
Gold plans
3
Insurers
Statewide
Counties covered
$569
Cheapest premium
$1,282
Average deductible
These are benchmark premiums, not your price. Every dollar figure here is the individual rate at age 21 for a non-tobacco user, before any premium tax credit — the standard way plans are compared like for like. What you actually pay depends on your age, county, household and income. Estimate your real cost.

Delaware Gold deductibles run 23% below the national median.

The average Gold deductible here is $1,282, against a $1,660 median across the 30 states in this tier. Deductibles here are comparatively low, so premium differences between plans matter proportionally more.

Delaware Gold premiums rank 24th cheapest of 30.

Averaged across all 14 plans, Gold coverage in Delaware costs $605 a month before subsidies — 24th lowest of the 30 states with federal-marketplace data. Premiums vary far more by county and age than this single number suggests.

Metal tiers describe roughly what share of covered costs a plan pays, not the quality of its care or network. How the metal tiers actually differ walks through the trade, and how ACA subsidies work explains why the prices below are rarely what anyone pays.

Lowest premiums

The cheapest Gold plans in Delaware

PlanPremium / mo (age 21, pre-subsidy)DeductibleOut-of-pocket max
Clear GoldAmbetter Health of Delaware$569$1,200$9,150
AmeriHealth Caritas Next Gold Signature + No ReferralsAmeriHealth Caritas Next$578$2,000$8,300
Standard GoldAmbetter Health of Delaware$583$2,000$8,300
my Blue Access Select PPO Standard Gold 2000Highmark Blue Cross Blue Shield Delaware$585$2,000$8,300
Clear Gold + Vision + Adult DentalAmbetter Health of Delaware$591$1,200$9,150

Showing 5 of 14. See all Delaware Gold plans →

Who sells here

Gold plans by insurer

InsurerGold plansCheapestTier average
Ambetter Health of Delaware6$569$599
Highmark Blue Cross Blue Shield Delaware6$585$617
AmeriHealth Caritas Next2$578$588
Other tiers in Delaware

How Gold compares to the rest

Bronze
Avg $463 · from $424
13 plans
Silver
Avg $594 · from $536
10 plans
Gold
Avg $605 · from $569
14 plans · you are here

All DelawareMarketplace plans →

Nearby on price

States with similar Gold premiums

Florida
Avg $603
97 Gold plans
Nebraska
Avg $688
50 Gold plans
Arizona
Avg $690
61 Gold plans
Common questions

Delaware Gold plans, answered

What are the copays on a Delaware Gold plan?
Copays vary plan by plan rather than by tier — the metal level sets roughly what share of total care costs the plan covers, not the individual amounts. Across the 14 Gold plans in Delaware, deductibles average $1,282 and the out-of-pocket maximum averages $8,029. Open any plan below to see its full cost-sharing schedule, including primary care, specialist and prescription tiers.
Who is eligible for a Gold plan in Delaware?
Any Delaware Marketplace shopper can choose Gold. It suits people who expect steady ongoing care, since the higher premium buys a much lower deductible — averaging $1,282 in this tier. If your income qualifies you for cost-sharing reductions, compare against Silver before deciding, since those only apply to Silver.
What is the deductible on a Delaware Gold plan?
The average across all 14 Gold plans in Delaware is $1,282, with an average out-of-pocket maximum of $8,029. The range within the tier is wide, so two plans at a similar premium can differ by thousands in what you would actually pay during a year with significant care. Deductible is usually a better basis for comparison than premium alone.
Are Gold plans available in my Delaware county?
Gold plans are sold statewide across Delaware, from 3 insurers. Which specific plans you can buy depends on where you live — a plan offered in a metro county is often not sold in a rural one. Enter your ZIP code to narrow the list to plans actually available to you.
When can I enroll in a Delaware Marketplace plan?
Delaware uses the federal Marketplace, so open enrollment runs November 1 to January 15. Outside that window you need a qualifying life event — losing job-based coverage, moving, marriage, or a birth — to open a special enrollment period. Cheapest Gold premiums in Delaware start at $569 a month before any subsidy.

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