Medicare Advantage Plans in Delaware 2026
Last reviewed: June 2026 · Data sourced from CMS.gov
Delaware's Medicare Advantage market is closely tied to the Philadelphia and Baltimore metro areas that border the state. Residents in New Castle County have the broadest plan selection. Aetna, UnitedHealthcare, and Highmark are among the largest carriers serving Delaware beneficiaries.
roughly 41%
of beneficiaries in Advantage plans
about 220,000
total Medicare beneficiaries
$0–$50
typical monthly premium range
Plan availability varies by county. Enter your ZIP code to see the exact plans, premiums, and coverage available where you live in Delaware.
What to Look for in a Delaware Medicare Advantage Plan
- ✓ Whether your current doctors and specialists are in-network
- ✓ Drug formulary — does it cover your prescriptions at a reasonable cost?
- ✓ Monthly premium and annual out-of-pocket maximum
- ✓ Extra benefits: dental, vision, hearing, fitness programs
- ✓ Star rating — CMS rates plans from 1 to 5 stars based on quality and member experience
- ✓ HMO vs. PPO — HMOs require referrals and restrict out-of-network care; PPOs are more flexible
2026 Medicare Advantage Costs in Delaware
| Cost | Typical Range |
|---|---|
| Monthly premium | $0 to $50 (many plans at $0) |
| Annual out-of-pocket maximum | Up to $9,350 in-network (2026 CMS limit) |
| Primary care visit copay | $0 to $20 typical |
| Specialist visit copay | $20 to $50 typical |
| Inpatient hospital stay | $250 to $350/day for first few days (varies by plan) |
| Part B premium (always required) | $202.90/month standard (2026) |
Medicare Advantage vs. Medigap in Delaware
Delaware's small size means Medigap competition is reasonably strong, with national carriers and regional Blues plans both actively marketing here. Several Philadelphia-area carriers extend their products into Delaware.
Data note: Plan information is sourced from the U.S. Centers for Medicare and Medicaid Services (CMS). Premiums, coverage, and plan availability change annually. Contact a licensed Medicare agent or visit Medicare.gov for current, binding quotes.