Delaware
Cheapest ACA plans in Dover, Delaware for 2026
Plan year 2026, last refreshed 2026-04-19T08:08:55.462Z.
Dover is in Kent County, Delaware. 4 carriers sell 2026 ACA plans on Healthcare.gov for residents of Kent County, and the cheapest Bronze plan a 40-year-old can enroll in starts at $542/month before any subsidy. Carriers are licensed and rated at the county level, so the plans below cover everyone in Kent County, including Dover.
Cheapest plans by metal tier
Lowest 2026 monthly premium for a single 40-year-old in Dover (Kent County), on-exchange, before any subsidy. Per-age figures derived from the CMS QHP Landscape file using the HHS standardized age-rating curve (45 CFR 147.102).
| Tier | Cheapest age 40 monthly | Plans in Kent County |
|---|---|---|
| Catastrophic | $468 | 1 |
| Bronze | $542 | 3 |
| Expanded Bronze | $559 | 10 |
| Silver | $685 | 10 |
| Gold | $727 | 14 |
| Platinum | $1,015 | 2 |
The actual cheapest Bronze plan in Dover
AmeriHealth Caritas VIP Next, Inc. AmeriHealth Caritas Next Bronze Essential + No-Referrals
$542/moFor a family of four (two 40-year-olds and two kids under 14): AmeriHealth Caritas VIP Next, Inc. AmeriHealth Caritas Next Bronze Essential + No-Referrals at $1,734/month before subsidies.
Carriers selling 2026 plans in Dover
4 carriers sell 2026 plans on Healthcare.gov for Kent County residents. 44 plans total in Kent County.
| Carrier | On-exchange plans |
|---|---|
| Ambetter | 17 |
| Highmark BCBSD Inc. | 14 |
| AmeriHealth Caritas VIP Next, Inc. | 8 |
| Highmark BlueCross BlueShield | 1 |
What you'll actually pay in Dover
Estimated monthly net premium for the cheapest Bronze plan above ($542/mo before subsidy) on Healthcare.gov, after federal APTC. APTC is computed against the Kent Countybenchmark Silver per 26 USC §36B. Approximate; exact net varies by plan's EHB% and child-rate structure.
Single 40-year-old
| Annual income | FPL % | Federal APTC | Cheapest Bronze net |
|---|---|---|---|
| $25,000 | 160% | $595/mo | $0/mo |
| $40,000 | 256% | $405/mo | $137/mo |
| $60,000 | 383% | $194/mo | $348/mo |
| $100,000 | 639% | — | $542/mo |
Family of 4 (two 40-year-olds, two children)
| Annual income | FPL % | Federal APTC | Cheapest Bronze net |
|---|---|---|---|
| $40,000 | 124% | — | Medicaid likely |
| $80,000 | 249% | $1,652/mo | $82/mo |
| $130,000 | 404% | — | $1,734/mo |
| $200,000 | 622% | — | $1,734/mo |
FPL = Federal Poverty Level. APTC = Advance Premium Tax Credit (the federal subsidy). Off-exchange and Catastrophic plans are not APTC-eligible. Enter your real income on the home page to see plan-specific net premium with the per-plan EHB-percent cap applied.
Frequently asked questions
What is the cheapest ACA plan in Dover, Delaware for 2026?
The cheapest Bronze plan a 40-year-old can enroll in is AmeriHealth Caritas VIP Next, Inc. AmeriHealth Caritas Next Bronze Essential + No-Referrals at $542 per month before subsidies. Plans sell through Healthcare.gov. Dover is in Kent County, Delaware; carriers are licensed and rated at the county level. Data refreshed 2026-04-19T08:08:55.462Z.
How does Dover's 2026 ACA pricing compare to other Delaware cities?
Cheapest Bronze for a 40-year-old in Dover is $542 per month before subsidies. For comparison: Wilmington at $542/mo; Newark at $542/mo. Different cities can have different cheapest plans because plans are sold per county and carrier participation varies by jurisdiction.
Does Delaware use Healthcare.gov?
Yes. Delaware uses the federally-facilitated Marketplace (FFM) at healthcare.gov. Delaware does not operate a state-based exchange for PY2026.
Has Delaware expanded Medicaid?
Yes, effective January 2014. Adults 19-64 with income up to 138% FPL qualify for Delaware Medicaid regardless of parental status or disability, so there is no coverage gap.
What is the Delaware Reinsurance Program?
The Delaware Individual Health Insurance Market Stabilization Reinsurance Program is a §1332 waiver active since plan year 2020 under 18 Del. C. Chapter 85. It reimburses insurers for a share of high-cost claims, pulling individual-market premiums down before APTC applies. You don't apply for it; savings are already reflected in posted rates.
More Delaware pricing
- Statewide Delaware pricing and metal tiers
- Full Kent County pricing
- Wilmington pricingcheapest Bronze $542/mo
- Newark pricingcheapest Bronze $542/mo
Sources
- HealthCare.gov for enrollment, OEP dates, and federal APTC / CSR application.
- Delaware Department of Insurance for rate review, §1332 reinsurance administration, and consumer guidance.
- Delaware Health and Social Services: Medicaid for state Medicaid eligibility up to 138% FPL under expansion.
- 18 Del. C. Chapter 85: Individual Health Insurance Market Stabilization Reinsurance Program for the statutory basis of Delaware reinsurance.
Plan year 2026, last refreshed 2026-04-19T08:08:55.462Z. Full pricing pipeline + regulatory references at methodology; ACA terminology in the glossary.