Before subsidies, the benchmark silver plan for a 40-year-old in New Castle 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 New Castle County for 2026. The rest of this page covers your coverage options in Wilmington, the best-reviewed local agencies and the deadlines that matter.
Top-rated health insurance agencies near Wilmington
Licensed agents can compare plans available in New Castle County, check your doctors and estimate your premium tax credit. Free to you.
Call 866-645-8540Health insurance at a glance: Wilmington, DE
| Where to enroll | HealthCare.gov |
|---|---|
| Average benchmark silver, age 40 (2027) | $876/mo before subsidies |
| New Castle County benchmark (2026) | $692/mo |
| Plans offered in New Castle 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
- Ask each agent which carriers they can quote in your county.
- Compare total yearly cost (premiums plus deductible), not just the monthly premium.
- Make a list of your doctors, hospitals and prescriptions before you call anyone.
- Check that the agent's license is active with the state regulator.
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
Where can I buy health insurance in Wilmington?
Through the HealthCare.gov, directly from an insurer, or with a licensed agent or broker who can do either.
How much is health insurance in Wilmington?
Before subsidies, the benchmark silver plan for a 40-year-old in New Castle 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 New Castle 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
- Edgemoor, DE 2 miles
- Elsmere, DE 3 miles
- Wilmington Manor, DE 4 miles
- New Castle, DE 5 miles
- Claymont, DE 6 miles
- Hockessin, DE 8 miles
- Pike Creek, DE 8 miles
- Boothwyn, PA 8 miles
- Pike Creek Valley, DE 8 miles
- North Star, DE 10 miles