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Medicare Advantage Plans in Delaware 2027: Carriers, Counties and Costs

Reviewed by Russell Noga, Licensed Medicare Insurance Broker (all 50 states) — Last updated October 21, 2026

Delaware’s Medicare Advantage market holds steady for 2027. CMS counts 38 plans, up from 37, and projects the average premium will fall to $14.33 a month from $15.69. Every Delawarean with Medicare can choose a $0 premium plan.

For 2027, CMS’s plan data lists 38 individual Medicare Advantage plans from 8 companies across all 3 Delaware counties. Annual Enrollment runs October 15 to December 7, 2026, for coverage that starts January 1, 2027.

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Compare 2027 Medicare Advantage Plans in Delaware

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Medicare Advantage plans in Delaware 2027 overview: ma plans in delaware 38 (individual plans from 8 companies), ppo plans 19 (half of all plans), average ma premium 2027 $14.33 (down from $15.69 in 2026), $0 premium access 100% (of Delawareans with Medicare)

Delaware Medicare Advantage Plans by the Numbers for 2027

Here is how Delaware’s 2027 individual Medicare Advantage plans break down by plan type:

Plan Type 2027 Plans in Delaware What It Means
PPO 19 You can see out-of-network providers, usually at a higher cost
HMO 11 You generally use the plan’s network and a primary care doctor
HMO-POS 8 HMO network with some out-of-network coverage
Special needs plans (included above) 14 6 dual plans, 7 chronic condition plans and 1 institutional plan
Part B giveback plans (included above) 5 Plans from Humana and Devoted that may lower your Part B premium

Source: CMS 2027 Plan Benefit Package and plan service area data, individual (non-employer) Medicare Advantage plans.

New Castle County has the most choices, with 37 plans, and Kent County has the fewest, with 27. Learn how the plan types differ in our guide to Medicare Advantage plans for 2027.

Delaware Medicare Advantage Changes for 2027

These are the biggest changes for Delaware Medicare Advantage shoppers this year:

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Slightly more plans. CMS counts 38 Delaware Medicare Advantage plans for 2027, up from 37 in 2026.

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Lower premiums. CMS projects the average premium at $14.33 a month for 2027, down from $15.69.

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Highmark has 6 plans in all three counties, including PPO options.

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Devoted Health and HealthSpring each offer plans in parts of the state.

Every Delawarean with Medicare has access to a $0 premium plan for 2027, according to CMS. Part D out-of-pocket drug costs are capped at $2,400 in 2027.

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Delaware Medicare Advantage carriers 2027 by plan count: UnitedHealthcare 8, Aetna Medicare 6, Highmark Blue Cross Blue Shield 6, Humana 5, Devoted Health 5, Wellcare 3, HealthSpring 3, AmeriHealth Caritas VIP Care 2

Who Sells Medicare Advantage in Delaware for 2027

These are the companies selling individual Medicare Advantage plans in Delaware for 2027:

Carrier 2027 Plans Counties Plan Names to Know
UnitedHealthcare 8 3 UHC Medicare Advantage, UHC Nursing Home Plan, UHC Medicare Advantage Essentials
Aetna Medicare 6 3 Aetna Medicare Advantra Signature, Aetna Medicare Advantra Eagle Plus, Aetna Medicare Chronic Care Total
Highmark Blue Cross Blue Shield 6 3 Complete Blue PPO Distinct, Highmark Health Options Duals, Highmark Health Options Duals Select
Humana 5 3 Humana Essentials Plus Giveback, HumanaChoice, Humana USAA Honor Giveback
Devoted Health 5 1 Devoted Choice, Devoted Choice Giveback, Devoted C-SNP Choice Plus
Wellcare 3 3 Wellcare Simple, Wellcare Delaware First Health Dual Align, Wellcare Delaware First Health Dual Select
HealthSpring 3 1 HealthSpring Achieve, HealthSpring Preferred, HealthSpring True Choice
AmeriHealth Caritas VIP Care 2 3 AmeriHealth Caritas VIP Care, AmeriHealth Caritas VIP Care Choice

Source: CMS 2027 Plan Benefit Package and plan service area data, individual (non-employer) plans. Plan counts include special needs plans.

Read more in our guides to UnitedHealthcare Medicare Advantage plans, Aetna Medicare Advantage plans, Highmark Medicare Advantage plans and Humana Medicare Advantage plans.

Flexible PPO Plans and Giveback Plans in Delaware

If you want flexibility to see doctors outside a network, Delaware has these options for 2027:

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19 PPO plans from Devoted, Humana, Highmark BCBS, UnitedHealthcare, Aetna and HealthSpring.

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5 Part B giveback plans that may lower your Part B premium, from Humana and Devoted.

Learn more in our guide to Medicare Advantage PPO plans.

Medicare Advantage for Dual-Eligible and Chronic-Condition Members in Delaware

Delaware has 14 special needs plans for 2027, built for people who qualify through Medicaid, a chronic condition or nursing home care:

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Dual plans (D-SNPs) for people with Medicare and Delaware Medicaid come from AmeriHealth Caritas, Wellcare and Highmark BCBS.

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Chronic condition plans (C-SNPs) come from Devoted, Aetna, UnitedHealthcare and HealthSpring.

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Institutional plans (I-SNPs) for nursing home residents come from UnitedHealthcare.

Learn more in our guide to Medicare Advantage special needs plans.

Benefits Delaware Medicare Advantage Plans Can Offer

Benefits depend on the plan and county, but Delaware Medicare Advantage plans may include:

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Prescription drug coverage, with Part D out-of-pocket costs capped at $2,400 in 2027.

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Dental, vision and hearing benefits in many plans.

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Part B premium reductions in giveback plans, where offered.

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Fitness and over-the-counter allowances in some plans.

Not all plans offer all benefits, so check each plan’s 2027 Summary of Benefits before you enroll.

Picking the Right Delaware Medicare Advantage Plan for 2027

1

Check your doctors and hospitals in each plan’s network, including ChristianaCare, Bayhealth, Beebe Healthcare and Nemours.

2

Run your prescriptions through each plan’s 2027 drug list.

3

Compare out-of-pocket maximums and hospital copays, not just premiums.

4

Check the star rating. See the 2027 Medicare Advantage star ratings.

5

Enroll on time. Medicare Open Enrollment 2027 runs October 15 to December 7, 2026.

Compare 2027 Medicare Advantage Plans in Delaware

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Medicare Advantage Plans in Delaware — Frequently Asked Questions

➤ How many Medicare Advantage plans are in Delaware for 2027?

CMS’s 2027 plan data lists 38 individual Medicare Advantage plans from 8 companies in Delaware, including 14 special needs plans. Plans are available across all 3 Delaware counties.

➤ Does Highmark Blue Cross Blue Shield sell Medicare Advantage plans in Delaware for 2027?

Yes. Besides the national carriers, Highmark Blue Cross Blue Shield and AmeriHealth Caritas VIP Care sell 2027 Medicare Advantage plans in Delaware. Regional plans are often tied to local hospital systems, so check that your doctors are in network.

➤ What is the average Medicare Advantage premium in Delaware for 2027?

CMS projects the average Delaware Medicare Advantage premium at $14.33 a month for 2027, down from $15.69 in 2026.

➤ How many D-SNP plans does AmeriHealth Caritas VIP Care offer in Delaware for 2027?

Delaware has 6 dual special needs plans for 2027. AmeriHealth Caritas VIP Care offers the most (2), along with Wellcare and Highmark Blue Cross Blue Shield.

➤ How many Medicare Advantage plans does Highmark Blue Cross Blue Shield offer in Delaware for 2027?

Highmark Blue Cross Blue Shield offers 6 individual Medicare Advantage plans in Delaware for 2027, sold in 3 of 3 counties. Source: our analysis of the CMS 2027 plan files.

➤ Does Aetna cover every county in Delaware?

Yes. Aetna, AmeriHealth Caritas VIP Care, Humana, Highmark Blue Cross Blue Shield, UnitedHealthcare and Wellcare sell 2027 plans in all 3 Delaware counties. Other companies only cover part of the state, so what you can buy depends on your county.

➤ How many Medicare Advantage plans are offered in Sussex County, Delaware?

Sussex County has 28 individual Medicare Advantage plans for 2027, one of the highest counts in Delaware. The median Delaware county has 28.

➤ How many Medicare Advantage plans are offered in Kent County, Delaware?

Kent County has 27 individual Medicare Advantage plans for 2027, one of the highest counts in Delaware. The median Delaware county has 28.

New to Medicare?

If you are new to Medicare, then you can enroll in a 2027 Medicare Advantage plan up to three months prior to your Medicare Part B effective date.

Call one of our licensed insurance agents to see what the best time frame is for you to enroll, based on your current situation. You can contact them at 1-855-454-9051 (TTY 711), Mon–Fri 8am–9pm EST.

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