Medicare Advantage
Compare 38 Delaware Medicare Advantage Plans for 2027 From 8 Carriers
DOVER, Del. — Delawareans who want to shop their Medicare Advantage coverage for the plan year that begins January 1, 2027 have a defined window to do it: Annual Enrollment 2027 runs October 15 through December 7, 2026. According to the CMS Medicare Advantage Landscape Source Files for CY2027, Delaware residents will have 38 Medicare Advantage plans from 8 carriers to compare statewide, though which of those plans is actually offered depends on the county a person lives in.
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Key takeaways
- Delaware has 38 Medicare Advantage plans from 8 carriers listed in the CMS Landscape file for 2027, but availability is county by county, so your local list will be shorter.
- Annual Enrollment 2027 runs October 15 through December 7, 2026, and any choice made in that window takes effect January 1, 2027.
- Of the 38 plans, 34 include drug coverage and 14 are Special Needs Plans (6 D-SNP, 7 C-SNP, 1 I-SNP) for people who qualify.
- Compare each plan's own Evidence of Coverage, provider directory and drug list on Medicare.gov or by calling 1-800-MEDICARE before December 7, 2026.
| Fact | Figure | Source |
|---|---|---|
| Part B standard monthly premium (2026) | $202.90 | Medicare.gov |
| Part D out-of-pocket cap (2026) | $2,100 | CMS |
| Part D out-of-pocket cap (2027) | $2,400 | CMS |
| Annual Enrollment Period (for 2027 coverage) | October 15 – December 7, 2026 | Medicare.gov |
| Medicare Advantage Open Enrollment Period | January 1 – March 31 | Medicare.gov |
Area counts are for the county as a whole and are not a recommendation of any plan. Program figures are set nationally.
This explainer walks through what the official CMS files show for Delaware, how to read the carrier and plan-type mix, and a step-by-step way to compare the plans in your own county using the Medicare Plan Finder before the December 7 deadline.
How many Medicare Advantage plans are offered in Delaware for 2027?
Delaware has 38 Medicare Advantage plans from 8 carriers for 2027, based on the CMS MA Landscape Source File for CY2027. Of those 38 plans, 34 include Part D prescription drug coverage, 4 are new for 2027, and 3 plans offered in 2026 are not returning for 2027.
Those statewide totals describe what CMS has approved for the Delaware market. Because each plan is approved county by county — Kent, New Castle, and Sussex each have their own service-area rules — the list of plans you can actually enroll in will be a subset of the 38. The Medicare Plan Finder at medicare.gov is the official tool for seeing which of those plans are available at your ZIP code.
What types of Medicare Advantage plans are available in Delaware for 2027?
Delaware's 38 Medicare Advantage plans for 2027 break down by type into 11 HMO plans, 8 HMO-POS plans, and 19 PPO plans, according to the CMS Landscape file. Those categories describe how the plan handles networks and referrals; the specifics for any given plan are in that plan's Evidence of Coverage.
Fourteen of the 38 are Special Needs Plans, which are limited to people who meet specific eligibility rules. For 2027 Delaware has 6 Dual Eligible Special Needs Plans (D-SNP) for people with both Medicare and Medicaid, 7 Chronic Condition Special Needs Plans (C-SNP) for people with qualifying conditions, and 1 Institutional Special Needs Plan (I-SNP) for people who meet an institutional level of care. If you think a Special Needs Plan may fit your situation, the Plan Finder lets you filter by SNP type.
Which carriers offer Medicare Advantage plans in Delaware for 2027?
Eight carriers are listed in the CMS Landscape file for Delaware for 2027. In alphabetical order they are: Aetna (CVS Health) with 6 plans, AmeriHealth Caritas VIP Care with 2 plans, Centene (WellCare) with 3 plans, Devoted Health with 5 plans, HealthSpring with 3 plans, Highmark Blue Cross Blue Shield with 6 plans, Humana with 5 plans, and UnitedHealthcare with 8 plans.
Several of these carriers participate in the D-SNP market: AmeriHealth Caritas VIP Care offers 2 D-SNPs, Centene (WellCare) offers 2 D-SNPs, and Highmark Blue Cross Blue Shield offers 2 D-SNPs. The full plan-by-plan list is in the carrier and plan tables on this page, so you can see every plan name without reading it in prose.
How do I compare Medicare Advantage plans in my Delaware county for 2027?
To compare the Medicare Advantage plans available in your Delaware county for 2027, use the Medicare Plan Finder at medicare.gov and work through the plans in your ZIP code one at a time. The process is the same whether you live in Kent, New Castle, or Sussex County.
A step-by-step approach:
1. Doctors. Make a list of the primary care doctor and specialists you want to keep. Check each plan's provider directory to see whether they are in-network for 2027. 2. Hospitals. Note the hospitals and health systems you prefer. Confirm their 2027 network status in the same directory. 3. Prescriptions. Enter every medication you take, with dosage and frequency, into the Plan Finder. The tool will show how each plan covers those drugs for 2027. 4. Pharmacies. Add the pharmacy you use. Plans can treat the same pharmacy as preferred, standard, or out-of-network, and that affects your cost. 5. Annual Notice of Change (ANOC). If you are already in a Medicare Advantage plan, read the ANOC your carrier mailed in September. It spells out what is changing for 2027. 6. Evidence of Coverage. For any plan you are seriously considering, pull the 2027 Evidence of Coverage from the plan's website for the full rules.
What should I do before December 7, 2026?
Before December 7, 2026, finish comparing your options on Medicare.gov and submit any enrollment or change for the 2027 plan year. December 7, 2026 is the last day of Annual Enrollment 2027; coverage from a choice made in that window starts January 1, 2027.
If you do nothing and your current plan is returning for 2027, you generally stay in it with its 2027 terms. If your plan is among the 3 Delaware plans not returning for 2027, your carrier is required to send a non-renewal notice explaining your options. Reading that notice early gives you more time to compare.
Where can Delawareans get free help comparing Medicare Advantage plans for 2027?
Delawareans can get free, official help comparing Medicare Advantage plans for 2027 from Medicare directly. The Medicare Plan Finder at medicare.gov lets you enter your ZIP code, doctors, drugs and pharmacy and see side-by-side results for every plan available in your county. 1-800-MEDICARE is open 24 hours a day, seven days a week, and the representatives can walk through the same comparison with you by phone.
You can also contact any plan directly to request its 2027 Evidence of Coverage, Summary of Benefits, provider directory and formulary.
By the numbers
Medicare Part B premium, 2006–2026
The standard monthly Part B premium has climbed from $88.50 in 2006 to $202.90 in 2026. Hover any point for that year’s premium.
Source: CMS. Standard premium shown; in some hold-harmless years many existing enrollees paid less. Confirm at Medicare.gov.
The 2027 choices, by type
HMO, PPO and Special Needs Plans across Delaware for 2027
- Aetna (CVS Health) 6 plans: HMO, PPO
- AmeriHealth Caritas VIP Care (HMO-D-SNP) 2 plans: HMO
- Centene (WellCare) 3 plans: HMO-POS
- Devoted Health 5 plans: PPO
- HealthSpring 3 plans: HMO, PPO
- Highmark Blue Cross Blue Shield 6 plans: HMO, PPO
- Humana 5 plans: PPO
- UnitedHealthcare 8 plans: HMO-POS, PPO
HMO plans use a network and usually a primary-care doctor and referrals; HMO-POS plans add some out-of-network coverage; PPO plans also cover out-of-network care, at a higher share; PFFS plans pay any provider that accepts the plan’s terms. Special Needs Plans serve people with Medicare and Medicaid (D-SNP), certain chronic conditions (C-SNP) or living in an institution (I-SNP).
Source: CMS Medicare Advantage Landscape Source Files, plan years 2026 and 2027. Plans are offered county by county; a plan listed for the state may not be offered in your county. No plan is ranked or recommended; premiums, benefits, networks and star ratings are not shown. Plan details come from the Medicare Plan Finder at medicare.gov or the plan itself.
2027 plan lineup
Medicare Advantage plans in Delaware for 2027
CMS lists 38 Medicare Advantage plans across Delaware for 2027 from 8 carriers, alphabetically by carrier, widest county reach first.
| Plan | Type | Drug coverage | Counties |
|---|---|---|---|
| Aetna (CVS Health) 6 plans | |||
| Aetna Medicare Advantra Eagle Plus (HMO) | HMO | No | 3 |
| Aetna Medicare Advantra Signature (HMO) | HMO | Yes | 3 |
| Aetna Medicare Chronic Care (HMO C-SNP) | HMO C-SNP | Yes | 3 |
| Aetna Medicare Chronic Care Total (HMO C-SNP) | HMO C-SNP | Yes | 3 |
| Aetna Medicare Enhanced (HMO) | HMO | Yes | 3 |
| Aetna Medicare Premier (PPO) | PPO | Yes | 3 |
| AmeriHealth Caritas VIP Care (HMO-D-SNP) 2 plans | |||
| AmeriHealth Caritas VIP Care (HMO D-SNP) | HMO D-SNP | Yes | 3 |
| AmeriHealth Caritas VIP Care Choice (HMO D-SNP) | HMO D-SNP | Yes | 3 |
| Centene (WellCare) 3 plans | |||
| Wellcare Delaware First Health Dual Align (HMO-POS D-SNP) | HMO-POS D-SNP | Yes | 3 |
| Wellcare Delaware First Health Dual Select (HMO-POS D-SNP) | HMO-POS D-SNP | Yes | 3 |
| Wellcare Simple (HMO-POS) | HMO-POS | Yes | 3 |
| Devoted Health 5 plans | |||
| DEVOTED C-SNP CHOICE GIVEBACK EXTRAS 004 DE (PPO C-SNP) | PPO C-SNP | Yes | 1 |
| DEVOTED C-SNP CHOICE PLUS 003 DE (PPO C-SNP) | PPO C-SNP | Yes | 1 |
| DEVOTED CHOICE 001 DE (PPO) | PPO | Yes | 1 |
| DEVOTED CHOICE GIVEBACK 002 DE (PPO) | PPO | Yes | 1 |
| DEVOTED CHOICE GIVEBACK EXTRAS 005 DE (PPO) | PPO | Yes | 1 |
| HealthSpring 3 plans | |||
| HealthSpring Achieve (HMO C-SNP) | HMO C-SNP | Yes | 1 |
| HealthSpring Preferred (HMO) | HMO | Yes | 1 |
| HealthSpring True Choice (PPO) | PPO | Yes | 1 |
| Highmark Blue Cross Blue Shield 6 plans | |||
| Freedom Blue PPO Valor (PPO) | PPO | No | 3 |
| Highmark Health Options Duals (HMO D-SNP) | HMO D-SNP | Yes | 3 |
| Highmark Health Options Duals Select (HMO D-SNP) | HMO D-SNP | Yes | 3 |
| Complete Blue PPO Distinct (PPO) | PPO | Yes | 2 |
| Complete Blue PPO Distinct (PPO) | PPO | Yes | 1 |
| Complete Blue PPO Signature (PPO) | PPO | Yes | 1 |
| Humana 5 plans | |||
| Humana Essentials Plus Giveback (PPO) | PPO | Yes | 3 |
| Humana USAA Honor Giveback (PPO) | PPO | No | 3 |
| HumanaChoice H5216-387 (PPO) | PPO | Yes | 3 |
| HumanaChoice H5216-390 (PPO) | PPO | Yes | 3 |
| Humana Essentials Plus Giveback (PPO) | PPO | Yes | 2 |
| UnitedHealthcare 8 plans | |||
| AARP Medicare Advantage Essentials from UHC DE-3 (HMO-POS) | HMO-POS | Yes | 3 |
| AARP Medicare Advantage Extras from UHC DE-6 (HMO-POS) | HMO-POS | Yes | 3 |
| AARP Medicare Advantage from UHC DE-0001 (PPO) | PPO | Yes | 3 |
| AARP Medicare Advantage from UHC DE-0002 (PPO) | PPO | Yes | 3 |
| AARP Medicare Advantage Patriot No Rx DE-MA01 (HMO-POS) | HMO-POS | No | 3 |
| UHC Complete Care DE-4 (HMO-POS C-SNP) | HMO-POS C-SNP | Yes | 3 |
| UHC Complete Care Support DE-5A (HMO-POS C-SNP) | HMO-POS C-SNP | Yes | 3 |
| UHC Nursing Home Plan EX-F002 (PPO I-SNP) | PPO I-SNP | Yes | 3 |
Source: CMS Medicare Advantage Landscape Source Files, plan years 2026 and 2027. Plans are offered county by county; a plan listed for the state may not be offered in your county. No plan is ranked or recommended; premiums, benefits, networks and star ratings are not shown. Plan details come from the Medicare Plan Finder at medicare.gov or the plan itself.
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Good to know
Frequently asked questions
How many Medicare Advantage plans will Delaware have for 2027?
When is Annual Enrollment 2027?
What is the difference between an HMO, HMO-POS and PPO plan in Delaware?
Who can join a Special Needs Plan in Delaware?
Watch
The Medicare Advantage changes for 2027 in every state, in 30 seconds
- CMS — MA Landscape Source File (plan-level availability by county)
- CMS — MA Landscape Source Files, current and coming plan year (year-over-year comparison)
- CMS — Medicare enrollment periods (medicare.gov)
For personalized answers, contact Medicare.gov or 1-800-MEDICARE.
Sources and methodology
- Medicare.gov, Medicare costs (Part B premium)
- CMS, Medicare prescription drug coverage (Part D) program rules
- CMS, Medicare Advantage and Part D plan-year announcements
- Medicare.gov, enrollment periods and plan rules
- CMS, Medicare Advantage and Part D Landscape Source Files
Figures cited in this article
- CMS — Medicare Advantage Landscape Source File (CY2027): the Delaware statewide plan count, carrier list, plan-type mix, SNP counts, and the count of drug-coverage plans.
- CMS — Medicare Advantage Landscape Source Files (CY2026 and CY2027): the year-over-year comparison showing 4 plans new for 2027 and 3 plans not returning.
- Medicare.gov — Medicare enrollment periods: the October 15 – December 7, 2026 Annual Enrollment dates and January 1, 2027 effective date.
- Medicare.gov — Medicare Plan Finder: the official tool for county-level plan availability, provider, drug and pharmacy comparisons.
How we put this together: area counts come from the CMS files listed above for the county that contains this city, program figures come from CMS, Medicare.gov and the Social Security Administration, and no plan is ranked or recommended.
By The Medicare Desk · Published . For personalized answers, contact Medicare.gov or 1-800-MEDICARE.
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This page was last updated: October 2026.