ACA plans available
40
Plan year 2026
2026 data Public-data reference. official source
Sussex, Delaware Health Insurance
Open-data reference.
40 ACA plans from 3 issuers - Plan year 2026
Sussex, Delaware offers 40 ACA marketplace plans from 3 issuers for plan year 2026. Bronze plans start at $445/mo and Silver plans start at $562/mo (age 27, before subsidies). Use the tables below to compare premiums, deductibles, and issuers across all metal tiers.
$622
Avg Silver Premium/mo
$567
Benchmark Premium/mo
+38.5%
Year-over-Year Change
$4,819
Avg Deductible
What the Numbers Say About Sussex
Sussex, Delaware has 40 ACA marketplace plans offered by 3 issuers for plan year 2026. The average Silver-tier premium comes in at $622/mo for a 27-year-old non-tobacco user, with the lowest Silver at $562 and the highest at $732. Bronze plans start at $445/mo, useful for healthy enrollees who want catastrophic protection with the lowest monthly outlay.
The benchmark (second-lowest Silver) premium is $567/mo, the figure used to calculate your Advance Premium Tax Credit (the federal subsidy). Enrollees whose expected income-based contribution falls below this amount receive a subsidy for the difference. Across all plans, the average annual deductible is $4,819 and the average out-of-pocket maximum is $8,725 - numbers that matter more than the sticker premium once you actually use care. Year-over-year, average premiums in Sussex shifted by +38.5%, a signal of how local issuer pricing and risk-pool dynamics are trending.
Issuer count is one of the strongest predictors of affordability: with 3 issuers active in Sussex, consumers have some competitive choice, though narrower than the most competitive counties. Network types split fairly evenly here between EPO and PPO, so comparing referral rules and out-of-network coverage across those two matters as much as comparing metal tiers. This page is informational only and is not insurance, medical, or tax advice, verify your eligibility, network coverage, and final pricing at HealthCare.gov before enrolling. Source: CMS Marketplace PUF, plan year 2026.
Premiums by Metal Level
Bronze
1 plan$445/mo avg
$445 - $445
Silver
10 plans$622/mo avg
$562 - $732
Gold
14 plans$634/mo avg
$596 - $683
Platinum
2 plans$835/mo avg
$832 - $837
Catastrophic plan available: avg $384/mo (1 plan) - only for individuals under 30 or with a hardship exemption.
Benchmark Premium & Subsidies
The benchmark premium (2nd-lowest Silver plan) in Sussex is $567/mo for a 27-year-old. This is the amount used to calculate your premium tax credit. If your expected contribution (based on income) is less than the benchmark, you receive a subsidy for the difference. The higher the benchmark, the larger the potential subsidy.
Issuers in market
3
Some competition
Benchmark Silver
$567 /mo
Sets your subsidy ceiling
Avg deductible
$4,819
Across all metal tiers
Sussex ACA plans by premium and deductible
Each marker is the Sussex average for one metal tier, monthly premium (age 27) plotted against the average annual deductible, both computed directly from this county's plans. The classic ACA tradeoff is visible: lower-premium Bronze tiers carry the highest deductibles, while Gold and Platinum invert it.
Source: CMS Marketplace Public Use Files for Sussex, plan year 2026. Each point is the county average for one metal tier (premium age 27 vs average annual deductible).
Issuers in Sussex
| Issuer | Plans | Avg Premium (Age 27) |
|---|---|---|
| Ambetter Health of Delaware | 17 | $564/mo |
| Highmark Blue Cross Blue Shield Delaware | 15 | $624/mo |
| AmeriHealth Caritas Next | 8 | $564/mo |
All Plans in Sussex
| Plan Name | Metal | Type | Premium (27) | Premium (40) | Deductible | OOP Max |
|---|---|---|---|---|---|---|
| my Blue Access Major Events Select PPO Catastrophic 10600 - 3 Free PCP Visits Highmark Blue Cross Blue Shield Delaware | Catastrophic | PPO | $383.66 | $467.86 | $10,600 | $10,600 |
| AmeriHealth Caritas Next Bronze Essential + No Referrals AmeriHealth Caritas Next | Bronze | HMO | $444.73 | $542.33 | $10,600 | $10,600 |
| Everyday Bronze Ambetter Health of Delaware | Expanded Bronze | EPO | $458.11 | $558.65 | $8,450 | $10,150 |
| Standard Expanded Bronze Ambetter Health of Delaware | Expanded Bronze | EPO | $459.85 | $560.77 | $7,500 | $10,000 |
| AmeriHealth Caritas Next Bronze Signature + No Referrals AmeriHealth Caritas Next | Expanded Bronze | HMO | $472.04 | $575.64 | $7,500 | $10,000 |
| my Blue Access Select PPO Bronze 9200 Highmark Blue Cross Blue Shield Delaware | Expanded Bronze | PPO | $474.15 | $578.21 | $9,200 | $9,200 |
| Everyday Bronze + Vision + Adult Dental Ambetter Health of Delaware | Expanded Bronze | EPO | $475.63 | $580.01 | $8,450 | $10,150 |
| Standard Expanded Bronze + Vision + Adult Dental Ambetter Health of Delaware | Expanded Bronze | EPO | $477.43 | $582.21 | $7,500 | $10,000 |
| AmeriHealth Caritas Next Bronze Premier + No Referrals AmeriHealth Caritas Next | Expanded Bronze | HMO | $481.52 | $587.19 | $3,850 | $10,600 |
| Principal Bronze HSA Ambetter Health of Delaware | Expanded Bronze | EPO | $487.80 | $594.86 | $5,200 | $8,050 |
| Principal Bronze HSA + Vision + Adult Dental Ambetter Health of Delaware | Expanded Bronze | EPO | $506.45 | $617.60 | $5,200 | $8,050 |
| my Blue Access Select PPO Standard Bronze 7500 Highmark Blue Cross Blue Shield Delaware | Expanded Bronze | PPO | $512.20 | $624.61 | $7,500 | $10,000 |
| my Blue Access Select PPO Bronze 3800 Highmark Blue Cross Blue Shield Delaware | Expanded Bronze | PPO | $517.59 | $631.18 | $3,800 | $9,900 |
| my Blue Access Select PPO Bronze 3800 + Adult Dental and Vision Highmark Blue Cross Blue Shield Delaware | Expanded Bronze | PPO | $534.55 | $651.87 | $3,800 | $9,900 |
| Standard Silver Ambetter Health of Delaware | Silver | EPO | $561.91 | $685.23 | $6,000 | $8,900 |
| Focused Silver Ambetter Health of Delaware | Silver | EPO | $567.22 | $691.70 | $6,300 | $8,400 |
| Focused Silver + Vision + Adult Dental Ambetter Health of Delaware | Silver | EPO | $588.91 | $718.15 | $6,300 | $8,400 |
| Elite Silver Ambetter Health of Delaware | Silver | EPO | $603.78 | $736.29 | $0 | $8,350 |
| AmeriHealth Caritas Next Silver Signature + No Referrals AmeriHealth Caritas Next | Silver | HMO | $623.65 | $760.52 | $6,000 | $8,900 |
| Elite Silver + Vision + Adult Dental Ambetter Health of Delaware | Silver | EPO | $626.86 | $764.44 | $0 | $8,350 |
| AmeriHealth Caritas Next Silver Essential + No Referrals AmeriHealth Caritas Next | Silver | HMO | $627.87 | $765.66 | $6,100 | $9,000 |
| AmeriHealth Caritas Next Silver Premier + No Referrals AmeriHealth Caritas Next | Silver | HMO | $628.53 | $766.47 | $400 | $10,200 |
| my Blue Access Select PPO Standard Silver 6000 Highmark Blue Cross Blue Shield Delaware | Silver | PPO | $660.24 | $805.14 | $6,000 | $8,900 |
| my Blue Access Select PPO Premier Silver 0 + Adult Dental and Vision Highmark Blue Cross Blue Shield Delaware | Silver | PPO | $732.48 | $893.23 | $0 | $9,700 |
| Clear Gold Ambetter Health of Delaware | Gold | EPO | $596.34 | $727.21 | $1,200 | $9,150 |
| AmeriHealth Caritas Next Gold Signature + No Referrals AmeriHealth Caritas Next | Gold | HMO | $605.54 | $738.43 | $2,000 | $8,300 |
| Standard Gold Ambetter Health of Delaware | Gold | EPO | $611.42 | $745.60 | $2,000 | $8,300 |
| my Blue Access Select PPO Standard Gold 2000 Highmark Blue Cross Blue Shield Delaware | Gold | PPO | $613.32 | $747.92 | $2,000 | $8,300 |
| Clear Gold + Vision + Adult Dental Ambetter Health of Delaware | Gold | EPO | $619.14 | $755.02 | $1,200 | $9,150 |
| my Blue Access Select PPO Gold 1700 HSA Highmark Blue Cross Blue Shield Delaware | Gold | PPO | $623.26 | $760.04 | $1,700 | $7,100 |
| AmeriHealth Caritas Next Gold Premier + No Referrals AmeriHealth Caritas Next | Gold | HMO | $627.31 | $764.98 | $950 | $8,500 |
| my Blue Access Select PPO Standard Gold 2000 + Adult Dental and Vision Highmark Blue Cross Blue Shield Delaware | Gold | PPO | $630.29 | $768.61 | $2,000 | $8,300 |
| Standard Gold + Vision + Adult Dental Ambetter Health of Delaware | Gold | EPO | $634.79 | $774.11 | $2,000 | $8,300 |
| Complete Gold Ambetter Health of Delaware | Gold | EPO | $640.34 | $780.87 | $1,450 | $7,500 |
| my Blue Access Select PPO Gold 0 Highmark Blue Cross Blue Shield Delaware | Gold | PPO | $655.97 | $799.94 | $0 | $7,500 |
| Complete Gold + Vision + Adult Dental Ambetter Health of Delaware | Gold | EPO | $664.82 | $810.72 | $1,450 | $7,500 |
| my Blue Access Select PPO Gold 0 + Adult Dental and Vision Highmark Blue Cross Blue Shield Delaware | Gold | PPO | $672.95 | $820.64 | $0 | $7,500 |
| my Blue Access Select PPO Premier Gold 0 + Adult Dental and Vision Highmark Blue Cross Blue Shield Delaware | Gold | PPO | $683.33 | $833.29 | $0 | $7,000 |
| my Blue Access Select PPO Standard Platinum 0 Highmark Blue Cross Blue Shield Delaware | Platinum | PPO | $832.30 | $1,014.96 | $0 | $5,300 |
| my Blue Access Select PPO Premier Platinum 0 + Adult Dental and Vision Highmark Blue Cross Blue Shield Delaware | Platinum | PPO | $836.81 | $1,020.46 | $0 | $5,000 |
Silver Premium Trend (2022-2026)
| Year | Avg Premium | Min | Max | Plans | Issuers |
|---|---|---|---|---|---|
| 2022 | $455/mo | $441 | $474 | 3 | 1 |
| 2023 | $463/mo | $444 | $482 | 8 | 3 |
| 2024 | $468/mo | $433 | $498 | 17 | 4 |
| 2025 | $474/mo | $435 | $542 | 12 | 4 |
| 2026 | $622/mo | $562 | $732 | 10 | 3 |
Frequently Asked Questions
How many ACA plans are available in Sussex, DE?
There are 40 ACA marketplace plans available in Sussex from 3 insurance issuers for plan year 2026.
What is the cheapest health insurance plan in Sussex?
The lowest-premium plan in Sussex starts at $445/mo (Bronze tier, age 27). Silver plans start at $562/mo. Actual premiums vary by age and may be reduced by premium tax credits.
What is the benchmark premium for Sussex?
The benchmark (second-lowest Silver) premium in Sussex is $567/mo for a 27-year-old. This amount determines how much premium tax credit subsidy you may be eligible for.
How have premiums changed in Sussex?
Average premiums in Sussex changed by +38.5% year-over-year. Premium trends are tracked from 2022 to 2026 across all metal levels.
What is the average deductible and out-of-pocket maximum in Sussex?
The average annual deductible across all plans in Sussex is $4,819, and the average out-of-pocket maximum is $8,725. Bronze plans generally have higher deductibles but lower premiums, while Gold and Platinum plans have lower deductibles but higher monthly costs.
Which insurance companies offer plans in Sussex?
There are 3 insurance issuers offering ACA marketplace plans in Sussex, including Ambetter Health of Delaware, Highmark Blue Cross Blue Shield Delaware, AmeriHealth Caritas Next. Competition among issuers affects plan variety and pricing. More issuers generally mean more choices and potentially lower premiums.
Disclaimer
This page is for informational purposes only and does not constitute insurance or financial advice. Premiums shown are for a 27-year-old non-tobacco user unless otherwise noted. Your actual premium depends on age, location, tobacco use, and subsidy eligibility. Visit HealthCare.gov for official enrollment. Source: CMS Marketplace PUF, PY2026.
Read our methodology - how this data is sourced, computed, and verified.
Counties With a Similar Benchmark Premium
The closest counties nationwide to Sussex, DE's $567/mo benchmark premium.
Data sources
Data sourced from the CMS Health Insurance Marketplace Public Use Files. See our methodology for details. Retrieved and formatted by PlainHealthPlan Editorial
