Gold health insurance plans in Delaware (2026)
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.
Delaware Gold deductibles run 28% below the national median.
The median Gold deductible here is $1,450, against a $2,000 median across the 35 states in this tier. Deductibles here are comparatively low, so premium differences between plans matter proportionally more.
Delaware Gold premiums rank 28th cheapest of 35.
Averaged across all 14 plans, Gold coverage in Delaware costs $605 a month before subsidies — 28th lowest of the 35 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.
What a Gold plan costs in Delaware in 2026
Across all 14 Gold plans in Delaware, monthly premiums run from $569 to $652, averaging $605. Those are age-21, non-tobacco rates before any subsidy — the basis every figure on this page uses, and rarely what anyone actually pays. Premium tax credits cut that bill for most Delaware enrollees, often to a fraction of the sticker price.
Gold plan deductibles in Delaware
Gold deductibles in Delaware run from $0 to $2,000, with a median of $1,450 across all 14 plans — the amount you pay yourself before the plan starts sharing most costs. The median is the closest thing to a typical plan; the mean sits at $1,282 because the spread is not symmetric. Some Delaware Gold plans file a $0 deductible and charge copays from the first visit instead, which is what pulls the low end of that range to zero. No single figure is a quote — the table below shows the real deductible on each of the cheapest plans, and the insurer breakdown shows how the range splits by carrier.
Gold out-of-pocket maximums in Delaware
Individual out-of-pocket maximums on Delaware Gold plans run from $7,000 to $9,150, with a median of $8,300. That is the ceiling on what a plan can make you pay in a year for covered in-network care — after you reach it, the plan pays 100% of covered services. It is the number that matters most in a bad year, and the top of the range here is set by the federal limit that applies to every Marketplace plan, not by the insurer.
The cheapest Gold plans in Delaware
| Plan | Premium / mo (age 21, pre-subsidy) | Deductible | Out-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 →
Gold plans by insurer
| Insurer | Gold plans | Cheapest | Tier average | Deductible range |
|---|---|---|---|---|
| Ambetter Health of Delaware | 6 | $569 | $599 | $1,200–$2,000 |
| Highmark Blue Cross Blue Shield Delaware | 6 | $585 | $617 | $0–$2,000 |
| AmeriHealth Caritas Next | 2 | $578 | $588 | $950–$2,000 |
How Gold compares to the rest
States with similar Gold premiums
Delaware Gold plans, answered
What are the copays on Delaware Gold plans?
Who is eligible for a Gold plan in Delaware?
What is the deductible on Delaware Gold plans?
Are Gold plans available in my Delaware county?
When can I enroll in a Marketplace plan in Delaware?
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