Medicare Advantage plans in Delaware for 2027
With three counties and a uniform $5,900 floor on out-of-pocket caps, Delaware's choice for 2027 comes down to network, premium and stars.
New Castle, Delaware: plans open to everyone on Parts A and B
23 plans
11 with a $0 premium and drug coverage · out-of-pocket limits $5,900 to $9,850 · best rating 4.5★ · 3 plan IDs of 2026 not renewed here
23 plans shown · monthly premium = Part C + Part D, before your Part B premium · stars: 2027 ratings published October 8, 2026
| Plan | Premium | Drug deductible | Max out of pocket | Stars |
|---|---|---|---|---|
| Freedom Blue PPO Valor (PPO)Highmark Blue Cross Blue Shield · PPO · H8166-003-0 | $0 | no drugs | $6,000 | 3.0★ |
| AARP Medicare Advantage Essentials from UHC DE-3 (HMO-POS)UnitedHealthcare · HMO-POS · H5253-142-0 | $0 | $595 | $6,400 | 4.0★ |
| Humana USAA Honor Giveback (PPO)Humana · PPO · H5216-381-0 | $0 | no drugs | $6,750 | 4.0★ |
| AARP Medicare Advantage Extras from UHC DE-6 (HMO-POS)UnitedHealthcare · HMO-POS · H5253-206-0 | $0 | $685 | $7,150 | 4.0★ |
| AARP Medicare Advantage Patriot No Rx DE-MA01 (HMO-POS)UnitedHealthcare · HMO-POS · H5253-143-0 | $0 | no drugs | $7,150 | 3.5★ |
| Aetna Medicare Advantra Eagle Plus (HMO)Aetna Medicare · HMO · H3959-056-0 | $0 | no drugs | $7,150 | 3.5★ |
| Aetna Medicare Advantra Signature (HMO)Aetna Medicare · HMO · H3959-055-0 | $0 | $700 | $7,150 | 3.5★ |
| Complete Blue PPO Signature (PPO)Highmark Blue Cross Blue Shield · PPO · H8166-005-0 | $0 | $700 | $7,150 | 3.0★ |
| DEVOTED CHOICE 001 DE (PPO)Devoted Health · PPO · H0413-001-0 | $0 | $650 | $7,250 | new |
| HealthSpring Preferred (HMO)HealthSpring · HMO · H2108-046-0 | $0 | $500 | $7,900 | 3.0★ |
| DEVOTED CHOICE GIVEBACK EXTRAS 005 DE (PPO)Devoted Health · PPO · H0413-005-0 | $0 | $700 | $8,450 | new |
| DEVOTED CHOICE GIVEBACK 002 DE (PPO)Devoted Health · PPO · H0413-002-0 | $0 | $461 | $9,850 | new |
| Humana Essentials Plus Giveback (PPO)Humana · PPO · H5216-308-0 | $0 | $700 | $9,850 | 4.0★ |
| Humana Essentials Plus Giveback (PPO)Humana · PPO · H7617-100-0 | $0 | $700 | $9,850 | 4.5★ |
| Wellcare Simple (HMO-POS)Wellcare · HMO-POS · H4661-001-0 | $0 | $700 | $9,850 | 2.5★ |
| HumanaChoice H5216-390 (PPO)Humana · PPO · H5216-390-0 · was $19.70 in 2026 | $7.90 | $700 | $5,900 | 4.0★ |
| HealthSpring True Choice (PPO)HealthSpring · PPO · H7849-146-0 · was $0 in 2026 | $14 | $700 | $7,500 | 3.0★ |
| AARP Medicare Advantage from UHC DE-0001 (PPO)UnitedHealthcare · PPO · H2406-075-0 · was $0 in 2026 | $23 | $685 | $7,150 | 4.0★ |
| HumanaChoice H5216-387 (PPO)Humana · PPO · H5216-387-2 · was $25 in 2026 | $43 | $600 | $8,950 | 4.0★ |
| Aetna Medicare Enhanced (HMO)Aetna Medicare · HMO · H3959-102-0 | $59 | $400 | $7,150 | 3.5★ |
| AARP Medicare Advantage from UHC DE-0002 (PPO)UnitedHealthcare · PPO · H2406-100-0 · was $52 in 2026 | $68 | $685 | $7,150 | 4.0★ |
| Aetna Medicare Premier (PPO)Aetna Medicare · PPO · H5521-095-0 · was $87 in 2026 | $106 | $700 | $9,850 | 4.0★ |
| Complete Blue PPO Distinct (PPO)Highmark Blue Cross Blue Shield · PPO · H8166-006-0 · was $105 in 2026 | $138 | $700 | $6,500 | 3.0★ |
Compiled by Radif Partners from the CMS landscape file of September 2026 · How the data is read
Delaware offers 24 Medicare Advantage plans open to anyone with Parts A and B for 2027, the same count as in 2026, and 11 of the plans with drug coverage carry no monthly premium. New Castle County, around Wilmington, has 23 of them; Sussex, on the coast, 17; and Kent, around Dover, 16. No plan in the state sets its in-network out-of-pocket maximum below $5,900, and the median is $7,150, well above the national $6,550. PPOs make up 16 of the list and HMOs 8. 10 plans hold four stars or more for 2027, topping out at 4.5. Delaware also lists 14 special needs plans. Beneficiaries who keep Original Medicare can choose among 9 stand-alone drug plans, from $5.30 a month, with a median of $36.60.
One floor for the whole state
Every Delaware county shows the same lowest cap: $5,900 in New Castle, $5,900 in Kent and $5,900 in Sussex. That floor belongs to HumanaChoice H5216-390 (PPO), at $7.90 a month. In practice it means the worst year under any Delaware plan costs several thousand dollars, so the cap matters less for choosing than in states where it ranges from a few hundred dollars upward. What differs is premium, network and rating. The tool below shows what a cap of that size is still worth against Original Medicare without a supplement.
What an out-of-pocket cap is worth in a bad year
The cap saves
$8,122
| Original Medicare alone (20%, 1 admission) | $14,022 |
| With the plan’s cap | $5,900 |
A top-rated plan with the highest cap
Humana Essentials Plus Giveback (PPO) reaches 4.5 stars for 2027 with a $0 premium, yet its cap is $9,850. Star ratings measure quality of care and service, not what you pay, so a high score and a high ceiling can coexist. If your health is uncertain, compare the cap first and the stars second.
Wilmington, Dover and the beaches
New Castle has 11 $0 plans with drugs, Sussex 6 and Kent 5. For people who retire to the Sussex coast from another state, a plan bought in the old state ends when you move, and the move opens a special enrollment period to choose a Delaware plan. Doctors across the state line in Salisbury or Philadelphia may be in network for some PPOs, which is worth checking in each directory.
Companies on the list
UnitedHealth Group, Inc. (5), Humana Inc. (5), Highmark Health (4), CVS Health Corporation (4), Devoted Health, Inc. (3), Health Care Service Corporation (2) file the most open segments. Highmark Health is the parent of the state's Blue Cross Blue Shield plan. Special needs plans number 14: 6 for people with Delaware Medicaid, 7 for chronic conditions and 1 for nursing-home residents. Compare Maryland, Pennsylvania and New Jersey.
Every county of Delaware, 2027
| County | Plans open to all | $0 with drugs | Lowest max out of pocket | Rated 4★ or more | vs 2026 |
|---|---|---|---|---|---|
| Kent | 16 | 5 | $5,900 | 9 | -1 |
| New Castle | 23 | 11 | $5,900 | 10 | same |
| Sussex | 17 | 6 | $5,900 | 10 | -3 |
Stand-alone Part D plans in Delaware
| Plan | Monthly premium | With full Extra Help | Deductible | 2026 premium | 2027 Part D stars |
|---|---|---|---|---|---|
| Wellcare Value Script (PDP)Wellcare · S4802-140-0 | $5.30 | $5.30 | $700 | $5.60 | 3.0 |
| Humana Basic Rx Plan (PDP)Humana · S5884-103-0 · Extra Help benchmark | $6.30 | $0 | $700 | $0 | 4.5 |
| Wellcare Classic (PDP)Wellcare · S4802-079-0 · Extra Help benchmark | $7.30 | $0 | $700 | $5.70 | 3.0 |
| HealthSpring Assurance Rx (PDP)Blue Cross and Blue Shield of IL, NM, OK, TX · S5715-026-0 | $14.90 | $7 | $700 | new | 2.5 |
| Humana Value Rx Plan (PDP)Humana · S5884-184-0 | $36.60 | $28.70 | $687 | $4.30 | 4.5 |
| AARP Medicare Rx Saver from UHC (PDP)UnitedHealthcare · S5921-350-0 | $95.60 | $87.70 | $700 | $37.80 | 3.0 |
| SilverScript Choice (PDP)Aetna Medicare · S5601-010-0 | $100.60 | $92.70 | $700 | $97.40 | 2.5 |
| Humana Premier Rx Plan (PDP)Humana · S5884-151-0 | $127.90 | $120 | $350 | $108.60 | 4.5 |
| AARP Medicare Rx Preferred from UHC (PDP)UnitedHealthcare · S5921-387-0 | $174.90 | $167 | $300 | $94.50 | 3.0 |