Best health Insurance plans in

Delaware

in 2025

Choosing a health plan for your business can be complicated and opaque. When evaluating your options, there are a few key factors you should consider:  

• Costs: Evaluate both the premiums (monthly costs paid by the employer and/or employee) and the out-of-pocket expenses (deductibles, copayments, and coinsurance). Balance these against the overall value and coverage provided. 
• Flexibility: Consider whether the options allow employees to choose their insurance based on their own unique needs.  
• Quality of Service: Research the reputation and customer satisfaction ratings of the provider and their network of healthcare providers or health plan options. 
• Compliance: Ensure that the plan complies with all relevant regulations and laws, such as the Affordable Care Act (ACA) requirements if applicable. 
• Feedback from Employees: Gathering input from your employees about their healthcare needs and preferences can provide valuable insights into choosing an option that best meets their expectations.

Venteur administers an ICHRA – an Individual Coverage Health Reimbursement Arrangement. Instead of picking an expensive and inflexible group plan, you set a budget and your employees use Venteur to shop for the plan that works best for them. This allows your employees who elect to enroll in health benefits to pick from the plans available in their state!

The monthly cost of health insurance in Delaware for 2026 will vary based on your age, the plan you select, and your eligibility for tax credits. Premium rates increased significantly for 2026, with approved rate increases ranging from 25% to 35% across carriers. However, many residents may still qualify for financial assistance through premium tax credits that can significantly lower their monthly payments. With Venteur, companies can define their contribution budget, giving them control over costs while empowering employees to choose a plan that fits their personal budget.

The best health insurance plan is the one that meets your specific healthcare needs and financial circumstances. For 2026, carriers offering plans on Delaware's marketplace include Highmark BCBSD, AmeriHealth Caritas, and Celtic Ambetter. Venteur’s AI-powered platform simplifies the process by helping you compare plans and find the right balance of comprehensive coverage and affordable cost for you and your family.

Delaware residents with limited income may qualify for free or low-cost health coverage through state and federal programs. The two primary options are:

• Delaware Medicaid: Provides comprehensive coverage for low-income individuals, families, pregnant women, and people with disabilities.
• Delaware Healthy Children Program (CHIP): Offers low-cost health insurance for children in families who earn too much to qualify for Medicaid.

Federal Poverty Level (FPL). Delaware has expanded its Medicaid program, so adults ages 19-64 with household income up to 138% of the FPL generally qualify for coverage. Children and pregnant women may qualify at higher income levels.

Yes, Delaware participates in the federally facilitated health insurance marketplace through HealthCare.gov, where individuals and families can shop for, compare, and enroll in ACA-compliant health insurance plans. Venteur's platform allows employees to easily select from these marketplace plans to find coverage that best suits their needs.