In Delaware there are three main health insurance companies to choose from including Aetna, Blue Cross Blue Shield, and United Health One.  Depending on your particular demographic any of three might be the most affordable plan with the most benefits as they are all very competitive with each other.  (Though the Blue Cross plan can get a little pricey in some areas.)  Thus to get the best idea of which Delaware health insurance company is best for you and/or your family it is best to run your own custom Delaware health insurance quote.

Unfortunately, Delaware like many other states has no high risk pool which means that if you are declined for individual health you will need to apply for a One Man Group.  In many states you can only do this one month a year, but in Delaware there is no such limitation.  If you have any other questions you can contact the Department of Insurance in Delaware at 302-739-4251 or if you might qualify for Medicaid or need assistance you can go to www.state.de.us/dhss/dss which is the State Medicaid program for Children as well.

Delaware Health Insurance Companies

Blue Cross Blue Shield of Delaware

Blue Cross Blue Shield of Delaware is a company, headquartered in Wilmington, Delaware. In its 70th year of service, BCBSD offers a comprehensive portfolio of health benefits products to approximately 377,000 customers. BCBSD is an independent licensee of the Blue Cross and Blue Shield Association.

The only downside to the Blue Cross Blue Shield plans in Delaware is that they can get quite pricey and have a limited amount of plan designs.  (I believe that is actually a good thing as most health insurance companies offer too many redundant plans that only confuse the consumer.)

So if the Blue Cross plan comes in affordable then you should certainly go with them.

As the state’s largest and most respected health benefits provider for more than 70 years, Blue Cross Blue Shield of Delaware (BCBSD) has earned the trust of the Delaware community, which includes the many employers, members and providers we serve.

You can feel good about choosing our health plans because you can count on BCBSD to help provide access to the care you need. In fact, more Delawareans choose BCBSD health plans than any other – and one in three Americans counts on Blue Cross and Blue Shield nationwide.

Blue Cross Blue Shield of Delaware Health Insurance Brochure

Aetna

Aetna offers their standard health insurance plans in Delaware including their traditional PPO plans, their Value plans, and their Consumer Driven Health Plans.

Their plans are also very affordable and are often the best bet in most parts of Delaware as they are very reliable and have never rescinded a plan on us in 5 years of writing their plans across the country.

Aetna Delaware Benefit Summary

United Health One

United Health One offers their Copay Select plans (I have this one!), HSA Plans, and of course Value Plans (which I usually advise people to avoid).

Their Copay Select plans have the best prescription plans in the nation and their office visit copays are $35 for both the primary and the specialist.  In some zip codes and demographics they are certain to be the price leaders and even though they have a great network, you should always consider the fact that they are not domiciled in Delaware which means that they can hit you with a very high premium increase with no approval from the state.  They are the only provider of the three that aren’t domiciled.

United Health One Delaware Benefit Summary