Before subsidies, the benchmark silver plan for a 40-year-old in Sussex County cost about $692 a month for 2026, and the Delaware average for 2027 is $876 a month. Premium tax credits bring that down for many households, depending on income and family size. 3 insurers offered marketplace plans in Sussex County for 2026. Keep reading for what's sold in Sussex County, which local agencies have the best reviews, and how to get a quote.
Top-rated health insurance agencies near Lewes
Licensed agents can compare plans available in Sussex County, check your doctors and estimate your premium tax credit. Free to you.
Call 866-645-8540Health insurance at a glance: Lewes, DE
| Where to enroll | HealthCare.gov |
|---|---|
| Average benchmark silver, age 40 (2027) | $876/mo before subsidies |
| Sussex County benchmark (2026) | $692/mo |
| Plans offered in Sussex County (2026) | 40 |
| Plan types | EPO, PPO, HMO |
| Marketplace insurers in Delaware (2027) | 2 |
| Medicaid expansion | Yes |
| Short-term plans | Sold with state limits (not ACA-compliant) |
Sources: CMS plan data, KFF, state marketplace and insurance department pages.
A quick checklist
- Make a list of your doctors, hospitals and prescriptions before you call anyone.
- Ask each agent which carriers they can quote in your county.
- Check that the agent's license is active with the state regulator.
- Compare total yearly cost (premiums plus deductible), not just the monthly premium.
Free enrollment help in Delaware
HealthCare.gov Marketplace assisters: CMS-funded Navigator organizations plus Certified Application Counselors, who give free, impartial help applying and enrolling; consumers search for nearby help with the HealthCare.gov Find Local Help tool. You can search for in-person help on the official find-help page. If you'd rather have someone compare plans and recommend one, a licensed agent can do that at no cost to you.
Frequently asked questions
Which insurers sell marketplace plans in Delaware?
For 2027, marketplace plans in Delaware come from 2 insurers: Highmark Blue Cross Blue Shield Delaware and AmeriHealth Caritas. Not every insurer sells in every county.
How much is health insurance in Lewes?
Before subsidies, the benchmark silver plan for a 40-year-old in Sussex County cost about $692 a month for 2026, and the Delaware average for 2027 is $876 a month. Premium tax credits bring that down for many households, depending on income and family size. 3 insurers offered marketplace plans in Sussex County for 2026. A licensed agent can quote your exact price.
Can I get coverage outside open enrollment?
Only with a qualifying life event, unless you qualify for Medicaid (Diamond State Health Plan). Some people also look at short-term or fixed-indemnity plans, which are not ACA-compliant coverage.
Health insurance in nearby cities
- Georgetown, DE 14 miles
- Millsboro, DE 16 miles
- Ocean View, DE 17 miles
- Milford, DE 17 miles
- Villas, NJ 20 miles
- Ocean City, MD 26 miles
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