SimpliveraCoverage Companion
Delaware · 2026 plan year

Silver health insurance plans in Delaware (2026)

There are 10 Silver plans on the Delaware Marketplace from 3 insurers, and they are not interchangeable — premiums run from $536 to $699 a month for the same metal tier. Here is what separates them.

10
Silver plans
3
Insurers
Statewide
Counties covered
$536
Cheapest premium
$6,000
Median 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 Silver premiums rank 27th cheapest of 35.

Averaged across all 10 plans, Silver coverage in Delaware costs $594 a month before subsidies — 27th 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.

Cost

What a Silver plan costs in Delaware in 2026

Across all 10 Silver plans in Delaware, monthly premiums run from $536 to $699, averaging $594. 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.

Deductibles

Silver plan deductibles in Delaware

Silver deductibles in Delaware run from $0 to $6,300, with a median of $6,000 across the 8 plans with one combined deductible — 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 $4,638 because the spread is not symmetric. Some Delaware Silver 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. The other 2 set a separate deductible for prescription drugs, so their medical deductible alone would understate what you pay; they are left out of these figures, and the table below shows both deductibles where a plan has two. 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.

Out-of-pocket maximum

Silver out-of-pocket maximums in Delaware

Individual out-of-pocket maximums on Delaware Silver plans run from $8,350 to $10,200, with a median of $8,900. 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.

Lowest premiums

The cheapest Silver plans in Delaware

PlanPremium / mo (age 21, pre-subsidy)DeductibleOut-of-pocket max
Standard SilverAmbetter Health of Delaware$536$6,000$8,900
Focused SilverAmbetter Health of Delaware$541$6,300$8,400
Focused Silver + Vision + Adult DentalAmbetter Health of Delaware$562$6,300$8,400
Elite SilverAmbetter Health of Delaware$576$0 medical + $1,500 Rx (separate)$8,350
AmeriHealth Caritas Next Silver Signature + No ReferralsAmeriHealth Caritas Next$595$6,000$8,900

Showing 5 of 10. See all Delaware Silver plans →

Who sells here

Silver plans by insurer

InsurerSilver plansCheapestTier averageDeductible range
Ambetter Health of Delaware5$536$563$6,000–$6,300
AmeriHealth Caritas Next3$595$598$400–$6,100
Highmark Blue Cross Blue Shield Delaware2$630$664$0–$6,000
Other tiers in Delaware

How Silver compares to the rest

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

All DelawareMarketplace plans →

Nearby on price

States with similar Silver premiums

Tennessee
Avg $583
62 Silver plans
Texas
Avg $623
303 Silver plans
Arkansas
Avg $644
17 Silver plans
Common questions

Delaware Silver plans, answered

What are the copays on Delaware Silver plans?
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. What the tier does bound is the rest of the cost-sharing: across the 10 Silver plans in Delaware, out-of-pocket maximums run $8,350 to $10,200, and deductibles on the 8 plans with one combined deductible run $0 to $6,300. The other 2 set a separate deductible for prescription drugs and are not included in the deductible figures. Open any plan below to see its full cost-sharing schedule, including primary care, specialist and prescription tiers.
Who is eligible for a Silver plan in Delaware?
Anyone eligible to buy Marketplace coverage in Delaware can pick a Silver plan — there is no separate test for the tier. What Silver uniquely unlocks is cost-sharing reductions, available if your household income is roughly 100–250% of the federal poverty level. Those reductions apply only to Silver plans, which is why Silver is usually the right choice at those incomes even though its sticker price here ($594 a month on average) is higher than Gold in some states.
What is the deductible on Delaware Silver plans?
Silver deductibles in Delaware run from $0 to $6,300 across the 8 plans with one combined deductible, with a median of $6,000 — that median is the figure closest to a typical plan. The other 2 set a separate deductible for prescription drugs and are not included in the deductible figures. Out-of-pocket maximums run $8,350 to $10,200. The spread inside a single 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 Silver plans available in my Delaware county?
Silver 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 Marketplace plan in Delaware?
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 Silver premiums in Delaware start at $536 a month before any subsidy.

Stop comparing sticker prices.
See what you would actually pay.

Simplivera simulates a full year of your real costs across all 10 Delaware Silver plans.

Estimate my costs — it’s free →