Medicare in Delaware: 2026 Rates & Plan Options
Delaware Medicare beneficiaries have access to Original Medicare, Medicare Advantage plans, and Medigap supplemental insurance. Rates and plan availability vary by county and zip code.
Delaware Medigap Rates (2026 Estimates)
Estimated monthly premiums for a 65-year-old non-smoker in Delaware. Actual rates depend on your specific age, health, zip code, and insurer.
| Plan | Delaware Est. | National Avg. | Coverage |
|---|---|---|---|
| Plan A | $189.00 | $180.00 | Basic benefits only |
| Plan B | $215.25 | $205.00 | Basic + Part A deductible |
| Plan C | $262.50 | $250.00 | Basic + Part A & B deductibles + foreign travel |
| Plan D | $231.00 | $220.00 | Basic + Part A deductible + skilled nursing + foreign travel |
| Plan F | $294.00 | $280.00 | Most comprehensive (closed to new enrollees after 2020) |
| Plan G | $273.00 | $260.00 | Like Plan F minus Part B deductible |
| Plan K | $110.25 | $105.00 | 50% cost-sharing, $7,060 OOP limit |
| Plan L | $152.25 | $145.00 | 75% cost-sharing, $3,530 OOP limit |
| Plan M | $204.75 | $195.00 | 50% Part A deductible + basic |
| Plan N | $199.50 | $190.00 | Like Plan G with copays for office/ER visits |
Delaware uses issue-age pricing for Medigap. Premium is based on your age when you first buy the policy.
Medicare in Delaware: Key Facts
- Part B Premium: $185.00/month (same nationwide)
- Part A Deductible: $1,676 per benefit period (same nationwide)
- Part D OOP Cap: $2,000 annually under IRA (same nationwide)
- Medigap rates: 5% above national average
- Rating method: issue-age — premiums are set based on your age at purchase
Finding Medicare Plans in Delaware
Medicare Advantage plan availability varies by county within Delaware. Urban areas typically have more plan options and lower premiums than rural areas. Use the Medicare Plan Finder at Medicare.gov to see exact plans available in your zip code.
Delaware SHIP Program
The State Health Insurance Assistance Program (SHIP) in Delaware provides free, unbiased Medicare counseling. SHIP counselors can help you understand your options, compare plans, and enroll. Contact your local SHIP office or call 1-800-MEDICARE for a referral.
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