Medicare in Delaware: 2026 Plans, Costs, and Enrollment Guide
- 47 Medicare Advantage plans available statewide (Delaware: 3 counties (Kent, New Castle, Sussex); CMS 2026 Fact Sheet)
- 28 Medigap carriers offering Plan G (TPP rate database, CY2026)
- 10 standalone Part D plans in PDP Region 5 (DE/DC/MD)
- Avg MA premium $18.66/mo in 2026 (was $20.10 in 2025) (CMS 2026 Fact Sheet)
- LIS benchmark: $31.21/mo (Region 5)
Delaware Medicare Snapshot
Delaware has 47 Medicare Advantage plans available statewide for 2026 (CMS 2026 Medicare MA & Part D Landscape State-by-State Fact Sheet), with the specific plans offered varying by county within Delaware’s 3 counties (Kent, New Castle, Sussex). Most Delaware Medigap policies are attained-age rated.
The average monthly MA premium in Delaware is $18.66 in 2026 (changed from $20.10 in 2025; CMS 2026 Fact Sheet). The standard Medicare Part B premium is $202.90/month in 2026.
| Metric | Delaware 2026 | Source |
|---|---|---|
| MA plans available | 47 statewide (Delaware: 3 counties (Kent, New Castle, Sussex)) | CMS 2026 MA & Part D Landscape Fact Sheet |
| Avg MA premium | $18.66/mo (2025: $20.10) | CMS 2026 MA & Part D Landscape Fact Sheet |
| Medigap carriers (Plan G) | 28 (most carriers use attained-age) | TPP internal data, CY2026 |
| HDG carriers | 19 (most carriers use attained-age) | TPP internal data, CY2026 |
| Standalone Part D plans | 10 (PDP Region 5 — DE/DC/MD) | CMS 2026 MA & Part D Landscape Fact Sheet |
| Part D LIS benchmark (Region 5) | $31.21/mo | CMS CY2026 Regional Rates & Benchmarks |
Plan Types Available in Delaware
Medicare Advantage (Part C)
Delaware offers 47 Medicare Advantage plans statewide for 2026 (CMS 2026 Fact Sheet). Top MA carriers include UnitedHealthcare, Aetna Medicare, and Highmark Blue Cross Blue Shield. Check Medicare Plan Finder for per-plan star ratings in your county.
Medigap (Medicare Supplement)
Delaware uses the standard federal Medigap plan letters (A, B, C, D, F, G, K, L, M, N, plus HDG and HDF). 28 carriers offer Plan G in Delaware in the TPP rate database (CY2026, non-tobacco, ages 65–85). Plans C, F, and High-Deductible Plan F (HDF) are closed to anyone who first became Medicare-eligible on or after January 1, 2020 (under MACRA 2015); beneficiaries who were Medicare-eligible before that date may still buy Plans C, F, or HDF from carriers that continue to offer them. High-Deductible Plan G (HDG) is the post-2020 high-deductible Medigap option and is offered by 19 Delaware carriers.
Most Delaware Medigap policies are attained-age rated. See our MA vs Medigap comparison →
Standalone Part D (Prescription Drug Plans)
Delaware is in CMS PDP Region 5 (DE/DC/MD). For 2026, there are 10 standalone PDP plans available (CMS 2026 Fact Sheet).
Costs in Delaware
Medicare Advantage Premiums
The average monthly MA premium in Delaware is $18.66 in 2026 (changed from $20.10 in 2025; CMS 2026 Fact Sheet). The standard Medicare Part B premium is $202.90/month in 2026.
Medigap Premiums — Plan G and HDG
Most Delaware Medigap policies are attained-age rated. Across the 28 Delaware Plan G carriers (non-tobacco, ages 65–85), Plan G monthly premiums in 2026 range from approximately $135 to $607/month(TPP rate database, CY2026).
High-Deductible Plan G (HDG) is offered by 19 Delaware carriers; premiums range from approximately $132 to $565/month(TPP rate database, CY2026). HDG works well for beneficiaries who want catastrophic protection at a lower monthly cost and can absorb the high-deductible amount (CMS’s 2026 Medigap high-deductible options notice publishes the current dollar figure).
Part D Costs and the LIS Benchmark
For 2026, Delaware (PDP Region 5 — DE/DC/MD) has 10 standalone PDP plans (CMS 2026 Fact Sheet). The CMS Low Income Subsidy (LIS / Extra Help) benchmark premium for Region 5 is$31.21/month (CMS CY2026 Regional Rates and Benchmarks).
Delaware-Specific Medicare Rules
No State Medigap Birthday Rule
Delaware does not have a state Medigap Birthday Rule or Anniversary Rule. Outside of the federal 6-month Medigap Open Enrollment Period and qualifying federal guaranteed-issue events, most Medigap purchases in Delaware are subject to medical underwriting at the carrier's discretion.
Medicare Savings Programs (MSPs)
Delaware offers Medicare Savings Programs (MSPs) through Delaware Medicaid (DHSS):
- QMB (Qualified Medicare Beneficiary): Covers Part A and Part B premiums, deductibles, and cost-sharing.
- SLMB (Specified Low-Income Medicare Beneficiary): Covers Part B premiums only.
- QI (Qualifying Individual): Also covers Part B premiums; subject to annual appropriations.
Apply through Delaware Medicaid (DHSS) or contact Delaware Medicare Assistance Bureau (DMAB) (1-800-336-9500) for free enrollment assistance. MSP enrollment also automatically qualifies you for Extra Help / LIS on Part D. Learn more about MSPs →
Delaware Medicare Assistance Bureau (DMAB)
Delaware Medicare Assistance Bureau (DMAB) is Delaware's federally designated State Health Insurance Assistance Program (SHIP). It provides free, unbiased Medicare counseling statewide through trained volunteers.
Phone: 1-800-336-9500
Website: insurance.delaware.gov/consumers/ship/
Enrolling in Medicare in Delaware
Standard Enrollment Periods
- Initial Enrollment Period (IEP): 7-month window centered on your 65th birthday month. Enroll at ssa.gov or call 1-800-772-1213.
- Annual Election Period (AEP): October 15 – December 7 each year.
- Medicare Advantage Open Enrollment Period (OEP): January 1 – March 31.
- Federal 6-month Medigap OEP: Starts when you are 65+ and enrolled in Part B.
- Special Enrollment Periods (SEPs): Learn more →
Delaware Medicare Assistance Bureau (DMAB) Counseling
Contact Delaware Medicare Assistance Bureau (DMAB) at 1-800-336-9500 for free one-on-one Medicare guidance statewide.