Delaware open enrollment 2027 Open enrollment · Delaware

Delaware Open Enrollment 2027 for Families

Last updated November 3, 2026 · By Frank Caballero, licensed health insurance broker

Short answer

For families buying their own coverage in Delaware, open enrollment for 2027 coverage runs November 1, 2026 to January 15, 2027 on HealthCare.gov, and December 15 is the date to choose by for a January 1 start. A private, medically underwritten plan for the household does not wait for the window either: if approved, it can start the first of any month.

What 2027 looks like for you

Delaware's average 2027 rate change is 16.4% to 16.5% (finalized). One insurer is leaving Delaware's individual market, so some renewals arrive as a plan you did not pick. The details are on the Delaware 2027 premium increase page.

The 2027 subsidy line rises with household size: $109,280 for a household of three, $132,000 for four, and higher for larger families. Marketplace plans charge for at most three children under 21, so a bigger family's premium stops growing after the third child. Delaware parents above the line pay full price at every metal level, which is when a side-by-side comparison matters most.

Delaware this year

For some Delaware families this window comes with a decision already in motion: one of the state's three individual-market insurers is leaving for 2027, and its enrollees may be moved automatically to a remaining company. On top of that, the finalized average increase is about 16.5 percent, and Delaware's reinsurance program could not fully absorb it. Delaware uses HealthCare.gov; sign up by January 15, or by December 15 if the new plan should begin with the new year. A Delaware couple with two children and income past $132,000 receives no subsidy, so Wilmington, Dover and beach-area parents in that range carry the full premium on a smaller menu of plans.

One thing to do before you choose

If your insurer is the one exiting, do not let the automatic replacement pick for you. Many Delaware children see specialists in Philadelphia or Baltimore, and a new network may not reach them. List your kids' doctors, check each one in the replacement plan's directory, then compare the other remaining insurer and a private option. Small business owners facing an 18 percent group renewal can price individual family coverage at the same time.

Your checklist

Each family member's doctors and the children's hospital you use
The family deductible and out-of-pocket maximum
Household income against your household-size line
Planned 2027 care: a pregnancy, braces or surgery

Private plan or Marketplace?

Private plan

Whole household healthy, income above the line: each person is approved on their own health answers; not an ACA Marketplace plan.

Marketplace

Ongoing care for a child or parent, or income under the line: HealthCare.gov accepts everyone, and the subsidy grows with household size.

Compare Delaware plans this open enrollment

Private plans priced first, the Marketplace alongside when it fits. Phone or video, English or Spanish, no fee.

Get a quote Book a call (786) 218-2384

About your broker

Frank Caballero (NPN 21032307), licensed in 31 states including Delaware. Phone or video, English or Spanish, no fee; independent, not HealthCare.gov or any government agency.

Questions

When is the 2027 open enrollment deadline in Delaware?

January 15, 2027 on HealthCare.gov. Choose by December 15, 2026 for coverage that starts January 1; plans picked after that start February 1.

Our Delaware insurer is leaving. What happens to our children's plan on January 1?

The Marketplace may move your family into a plan from a remaining insurer and will send a notice explaining it. You can still choose a different plan yourself until January 15, though a January 1 start requires acting by December 15. Before accepting any replacement, look up each of your children's doctors in its network.

Can I get a private plan in Delaware after open enrollment closes?

Yes. You can apply in any month and, if approved, a private plan can start the first of a month; the insurer can decline based on health answers.

More for Delaware

Official sources: HealthCare.gov, the federal Marketplace; HealthCare.gov: special enrollment periods. FC Insurance Solutions is an independent, licensed brokerage and is not affiliated with any government agency.

Written by Frank Caballero, licensed health insurance broker in Delaware and 30 other states, NPN 21032307. Last updated November 3, 2026.