Delaware Medicare Costs in 2026: One Price for the Whole State

By Anthony Orner, Independent Licensed Medicare Insurance Broker · Delaware filed rates pulled September 14, 2026, CSG Actuarial · quoted at ZIP 19701, New Castle County

A 65-year-old Delawarean pays $357.97 to $455.90 a month for Part B plus a Plan G: the $202.90 Part B premium, then a filed Plan G of $155.07 from Nassau Life Insurance Company up to $253.00 from United American, 20 carriers in all, from CSG Actuarial filings pulled September 14, 2026. The same table applies in Wilmington, Dover and the beaches: Delaware carriers file one rating area for the whole state.

The floor is a near-tie. Highmark Blue Cross Blue Shield files $155.45, $0.38 behind Nassau Life Insurance Company, and 7 carriers sit within $15 of the bottom. The full $97.93 spread between cheapest and dearest is narrower than all but 1 of the in the 28 state files we hold, which makes the carrier's filing habit, not today's rank, the thing to shop on here.

The carrier pays the broker. Your premium is the filed rate either way.

The Delaware Bill, Cheapest and Dearest Carrier

Federal law fixes what both pay: the $1,736 Part A deductible, then every Medicare-approved charge after the $283 Part B deductible, which is yours on G and on N. The middle of the board is Washington National at $176.05. 21 of the other 27 states in our file have a lower Plan G floor than Delaware's; 1 have a smaller Medigap market.

All 20 Delaware Carriers, Plan G at 65

Woman, 65, non-tobacco, individual, no household discount, ZIP 19701. Where a carrier files two rate classes the lower one ranks and both show. Medico Insurance Company and HealthSpring National Health (HCSC) and Washington National and AARP / UnitedHealthcare file more than one class. Bundled Plan G variants are excluded as not like-for-like.

The Floor Changes Hands After 65

Nassau Life Insurance Company is cheapest at 65 only. From 70 the floor belongs to Medico Insurance Company, $162.11 at 70 and $172.89 at 75. Nassau Life Insurance Company's own line goes $155.07 to $202.44 between 65 and 75, a 31% climb on birthdays alone, before any filing. 19 of the 20 carriers price on attained age. AARP / UnitedHealthcare is the one community-rated line, $185.11 at every age.

Same profile and ZIP at each age. A filed table, not a quote.

3 Counties, One Rating Area

Every carrier on the Delaware board files a single statewide rate, so New Castle, Kent, Sussex share the $155.07 floor and everything above it. 3 of the 28 state files we hold are priced this way; most states move the number with the ZIP. The practical effect is that a Delaware quote is a birth-date question, not an address question.

Plan N: $115.65 at the floor

The cheapest Delaware Plan N is Nassau Life Insurance Company at $115.65, $39.42 under its own Plan G and $473 a year, with Part B making the bill $318.55. 18 carriers file the letter, $115.65 to $205.00. Plan N hands back up to $20 at some office visits and up to $50 at an ER that sends you home, and it does not pay Part B excess charges, which Delaware permits.

Delaware is one of the states where Plan F still outnumbers Plan G: 26,258 policies on F, 21,769 on G and 10,133 on N at the December 2023 NAIC count, 65,300 in all. Plan N's 15.5% share is higher than in all but 4 of the other 27 state files we hold. Plan F cannot be sold to anyone who became eligible for Medicare on or after January 1, 2020, so this page prints no Plan F table.

2 Delaware Filings of 15% or More This Year

CSG's filing records hold 15 Delaware entries, topped by Highmark Blue Cross Blue Shield at +15.3% effective July 1, 2026. Highmark Blue Cross Blue Shield, the runner-up at the floor, filed +15.3% effective July 1, 2026; Nassau Life Insurance Company filed +5.0% effective October 1, 2025. On a $0.38 gap, that is the whole decision.

Filed changes as CSG records them for Delaware; each is a block-wide change, not one renewal letter. The cross-state list is on 2026 Medigap rate increases.

5 Carriers Discount a Second Policy in the House

5 of the 20 Delaware carriers file a household discount, 5.1% to 20%. The largest is HealthSpring National Health (HCSC) at 20%, which takes $164.53 to $131.62. Nassau Life Insurance Company, the floor, files none. With discounts applied the lowest line is HealthSpring National Health (HCSC) at $131.62, so a couple's answer differs from a single applicant's. Two adults at one address is the usual test; the wording varies by carrier and some require both to hold a policy.

Methodology

• Every premium is a carrier filing pulled from the licensed CSG Actuarial API on September 14, 2026 and rendered from the Delaware data file at build time. Nothing here is typed.
• Profile: woman, non-tobacco, individual, no household discount, at the age shown. Discounted lines are computed from the filed percentage.
• Delaware was quoted one ZIP per county and the counties were merged into rating areas where every carrier files identical rates for every plan and age; all three merged into one.
• Direct-to-consumer and guaranteed-issue rate classes, bundled Plan G variants and rows above four times the state median are excluded. Carrier counts are those returning a filed quote on the pull date.
• Cross-state comparisons are computed against the 28 state files we hold on the same profile. Enrollment is the NAIC statewide count by plan letter as of December 2023.
• The Part B premium and both deductibles are 2026 CMS figures from a single source file. Plan G does not pay the Part B deductible.

Anthony Orner, NPN 20586791, 1309 Route 70 West, Cherry Hill, NJ 08002, 855-559-1700, licensed in Delaware and 34 other states. MedicareYourself (EasyKind Medicare) is an independent brokerage with no affiliation to Medicare, CMS or any carrier. We do not offer every plan available in your area; contact Medicare.gov or 1-800-MEDICARE for all options. The carrier pays the broker; the filed premium is the same with or without us.