Before subsidies, the average benchmark silver plan for a 40-year-old in Delaware costs $876 a month for 2027, against a national average of $704. Premium tax credits lower that for many households.
This page lists small business benefits brokers across Delaware by city. Every listing shows distance and address, and every city page explains local plan costs. For a side-by-side comparison of carriers, call 866-645-8540 to reach a licensed agent.
How health insurance works in Delaware
People in Delaware buy marketplace coverage through HealthCare.gov. Open enrollment runs from November 1 through January 15. Medicaid (Diamond State Health Plan) covers adults with income up to 138% of the poverty level. 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. Short-term health plans are sold with state limits on how long they can last (up to 3 months initially). They are not ACA-compliant coverage.
Agent licensing in Delaware
- The Delaware Department of Insurance regulates insurers and licenses insurance producers in the state. Consumers can contact the department with questions or complaints about an insurer or agent. Source
- The Delaware Department of Insurance provides a Licensee Lookup page, which links to a search run by the NAIC on the department's behalf, so anyone can verify the status of a Delaware licensee. Source
- Delaware treats Accident & Health or Sickness as one of the major producer lines of authority, and an agent needs it, earned by passing the state exam, to sell health insurance. Source
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.
Licensed agents can quote plans from multiple Delaware carriers in one call.
Call 866-645-8540Small business by city in Delaware
- Bear
- Brookside
- Claymont
- Dover
- Edgemoor
- Elsmere
- Georgetown
- Glasgow
- Hockessin
- Lewes
- Middletown
- Milford
- Millsboro
- New Castle
- Newark
- North Star
- Ocean View
- Pike Creek
- Pike Creek Valley
- Seaford
- Smyrna
- Wilmington
- Wilmington Manor