Best Medicare Supplement Plans in Delaware 2026
Delaware adopted the Medigap birthday rule on January 1, 2026, giving current policyholders a 60-day window each year to switch plans without medical underwriting. Plan G starts at $161/mo (LifeShield National). Over 40+ carriers compete in the Delaware market.
Delaware Birthday Rule (Effective January 1, 2026): Switch Plans Without Medical Underwriting
Delaware adopted the Medigap birthday rule effective January 1, 2026. Current Medigap policyholders have a 60-day window (30 days before and 30 days after their birthday) each year to switch to an equal or lesser plan with any carrier without answering health questions. No denial based on pre-existing conditions. Delaware seniors should shop their Medigap premiums every year during this window.
More than 78,000 Delaware residents have Medicare Supplement Insurance, also called Medigap. Delaware follows standard federal Medigap rules, offering plans A through N with one important state-specific addition: the birthday rule, which took effect on January 1, 2026.
Plan G is the most popular choice for new enrollees, covering nearly all Medicare out-of-pocket costs except the annual Part B deductible ($283 in 2026). Plan G premiums in Wilmington range from $161/mo (LifeShield National) to $176/mo (AARP/UHC) for a 65-year-old. The state average is $246/mo, so shopping carefully can save $85/mo or more.
State Farm stands out with an A++ AM Best rating and Plan G at just $163/mo, only $2 more than the cheapest option. For enrollees who want the highest financial strength rating with face-to-face local agent service, State Farm is the best value in Delaware. Transamerica is the only carrier offering all 10 standard plan types, including the cost-sharing Plans K and L.
Compare the Best Medicare Supplement Plans in Delaware
Our top-rated Medigap carriers in Delaware, ranked by the MedicareFAQ Score. Rates shown are for a 65-year-old in the Wilmington area and are updated for 2026.
Mutual of Omaha
Plan G
$168/mo
Plan N
$127/mo
AM Best
A+
Mutual of Omaha is the top-rated Medicare Supplement carrier in Delaware, combining A+ financial strength with outstanding customer service. Their 7% household discount and stable rate history make them the most trusted choice for Delaware retirees who want long-term reliability.
LifeShield National
Plan G
$161/mo
Plan N
$125/mo
AM Best
A-
LifeShield National offers the lowest Plan G, Plan N, and Plan F premiums in Delaware. At $161/mo for Plan G, they save enrollees $85/mo compared to the Delaware average. Best for enrollees focused on minimizing monthly costs who are comfortable with a smaller national carrier.
State Farm
Plan G
$163/mo
Plan N
$126/mo
AM Best
A++
State Farm holds the highest possible AM Best rating (A++) and offers Plan G at just $163/mo in Delaware, only $2 more than LifeShield National. For enrollees who want the highest financial strength rating with face-to-face local agent service, State Farm is the best value in Delaware.
Transamerica
Plan G
$162/mo
Plan N
$132/mo
AM Best
A
Transamerica is the only carrier in Delaware that offers all 10 standard Medigap plan types, including the cost-sharing Plans K and L. With Plan G at $162/mo and issue-age pricing available, Transamerica is a strong choice for enrollees who want maximum plan flexibility.
AARP / UnitedHealthcare
Plan G
$176/mo
Plan N
$131/mo
AM Best
A
AARP/UnitedHealthcare is one of the largest Medigap insurers in Delaware. Their 24/7 nurse hotline, broad plan selection, and AARP member perks make them a strong choice for enrollees who value brand recognition and added benefits alongside solid coverage.
Delaware Medigap Premium Comparison
Monthly premiums for a 65-year-old in Wilmington, Delaware. Rates are for standard Plan G, Plan N, and Plan F. Premiums vary by ZIP code, age, gender, and tobacco use.
| Insurance Company | Plan G Monthly | Plan N Monthly | Plan F Monthly |
|---|---|---|---|
| LifeShield National | $161 | $125 | $194 |
| Transamerica | $162 | $132 | $200 |
| State Farm | $163 | $126 | N/A |
| Blue Cross Blue Shield | $163 | $131 | $201 |
| Nassau | $170 | $127 | $198 |
| USAA | $176 | N/A | N/A |
| AARP / UnitedHealthcare | $176 | $131 | N/A |
| Mutual of Omaha | $168 | $127 | $205 |
Rates are for a 65-year-old in Wilmington, Delaware. N/A indicates the plan is not offered by that carrier in Delaware. Plan F is only available to Medicare beneficiaries who became eligible before January 1, 2020. Source: carrier rate filings, updated 2026.
Plan G vs. Plan N in Delaware
Plan G and Plan N are the two most popular Medigap plans for new enrollees in Delaware. Here is how they compare.
| Feature | Plan G | Plan N |
|---|---|---|
| Monthly premium (lowest DE rate) | $161/mo (LifeShield) | $125/mo (LifeShield) |
| Part A hospital coinsurance | Covered | Covered |
| Part B coinsurance (20%) | Covered | Covered (with copays) |
| Part B deductible ($283) | Not covered | Not covered |
| Part B excess charges | Covered | Not covered |
| Office visit copay | None | Up to $20 |
| ER visit copay (no admission) | None | Up to $50 |
| Best for | Frequent care, predictable costs | Healthy seniors, low monthly costs |
Delaware adopted the birthday rule in 2026, which means you now have an annual opportunity to shop your Medigap premium without medical underwriting. Use this window every year. Start with State Farm at $163/mo for the best combination of financial strength (A++) and low premium. If you want the absolute lowest rate, LifeShield National at $161/mo saves $2/mo more but has a smaller national profile. Transamerica is the right choice if you want all 10 plan types or issue-age pricing for long-term rate stability. With the birthday rule now in place, you are no longer locked into your first carrier choice forever.
Delaware Medigap Rules You Should Know
Delaware Birthday Rule (Effective January 1, 2026)
Delaware adopted the Medigap birthday rule effective January 1, 2026. Current Medigap policyholders have a 60-day window (30 days before and 30 days after their birthday) to switch to an equal or lesser Medigap plan with any carrier without medical underwriting. No health questions, no denial based on pre-existing conditions.
Attained-Age Rating Is Standard
Most Delaware Medigap policies use attained-age rating, meaning premiums increase as you get older. Issue-age policies, where premiums are locked at your enrollment age, are available from select carriers including Transamerica and may save money long-term.
Under-65 Coverage: Carriers May Decline
Delaware does not require insurance companies to sell Medigap plans to Medicare beneficiaries under 65 who qualify due to disability. Some carriers voluntarily offer under-65 coverage, but they may charge higher premiums. Check with individual carriers for availability.
Free Counseling via DMAB
Delaware's Medicare Assistance Bureau (DMAB) provides free, unbiased Medicare counseling. Call 1-800-336-9500 to speak with a trained counselor who can help you compare plans, understand your rights, and enroll. There is no cost and counselors do not sell insurance.
Household Discount Available
Many Delaware carriers offer a household discount of 5% to 7% when two people in the same household both enroll in a Medigap plan with the same carrier. Carriers offering this discount include Mutual of Omaha, Humana, and Cigna. Always ask about the household discount when getting quotes.
Plan F Closed to New Enrollees Since 2020
Plan F, which covered the Part B deductible, is no longer available to Medicare beneficiaries who became eligible on or after January 1, 2020. If you became eligible before that date, you may still be able to enroll in Plan F. For most new enrollees, Plan G is the most comprehensive plan available.
MedicareFAQ Scoring Methodology
The MedicareFAQ Score rates Medicare Supplement carriers on a scale of 1.0 to 5.0 based on five key factors. Our ratings are independent and not influenced by advertising relationships.
Financial Strength (AM Best)
Claims-paying ability and long-term stability
Customer Satisfaction
NAIC complaint ratios and member satisfaction surveys
Premium Competitiveness
Plan G and Plan N rates vs. Delaware market average
Plan Availability
Number of plan types offered in Delaware
Discounts and Value
Household discounts, EFT discounts, and added benefits
Last updated: May 2026 | Data sources: NAIC complaint ratios, AM Best ratings, carrier rate filings, CMS Medicare Plan Finder
Frequently Asked Questions
What is the best Medicare Supplement plan in Delaware for 2026?
Plan G is the most popular and recommended Medigap plan in Delaware for new enrollees. It covers nearly all Medicare out-of-pocket costs except the annual Part B deductible ($283 in 2026). For the best overall value, Mutual of Omaha (A+ rated) consistently ranks highest in Delaware for financial strength and customer satisfaction. LifeShield National offers the lowest premium at $161/mo.
Does Delaware have a birthday rule for Medigap?
Yes. Delaware adopted the Medigap birthday rule effective January 1, 2026. Current policyholders have a 60-day window (30 days before and 30 days after their birthday) each year to switch to an equal or lesser Medigap plan with any carrier without medical underwriting. No health questions, no denial based on pre-existing conditions.
How much does Medicare Supplement Plan G cost in Delaware?
Plan G premiums in Delaware range from approximately $161/mo to $176/mo for a 65-year-old in Wilmington. The state average is $246/mo. LifeShield National offers the lowest rate at $161/mo, followed by Transamerica at $162/mo and State Farm at $163/mo. Premiums vary by carrier, ZIP code, age, gender, and tobacco use.
What is the difference between Plan G and Plan N in Delaware?
Plan G covers nearly everything except the $283 Part B deductible. Plan N also skips the Part B deductible but adds copays of up to $20 for some office visits and $50 for emergency room visits that do not result in inpatient admission, and does not cover Part B excess charges. Plan N premiums run $125 to $132/mo in Delaware vs. $161 to $176/mo for Plan G. If you rarely visit doctors and your providers do not charge excess fees, Plan N can save $300 to $500 per year.
When is the best time to enroll in a Medicare Supplement plan in Delaware?
The best time to enroll is during your 6-month Open Enrollment Period, which starts the month you turn 65 and are enrolled in Medicare Part B. During this window, carriers cannot deny your application or charge higher premiums based on health. After this window, you face medical underwriting unless you qualify for a Special Enrollment Period or use Delaware's birthday rule.
Can I switch Medicare Supplement plans in Delaware?
Yes. Delaware's birthday rule (effective January 1, 2026) lets you switch to an equal or lesser plan once a year during a 60-day window around your birthday without medical underwriting. Outside of that window, you can still apply to switch at any time but will face health questions and potential denial.
What is High-Deductible Plan G and is it available in Delaware?
High-Deductible Plan G (HDG) offers the same coverage as standard Plan G but requires you to pay a deductible of $2,950 (2026) before benefits kick in. In exchange, monthly premiums drop significantly. HDG is a strong option for healthy Delaware retirees who rarely use medical services and want to minimize monthly costs. Check with individual carriers for HDG availability in Delaware.
Where can I get free Medicare Supplement help in Delaware?
Delaware's Medicare Assistance Bureau (DMAB) provides free, unbiased Medicare counseling. Call 1-800-336-9500 to speak with a trained counselor who can help you compare plans, understand your rights, and enroll. There is no cost and counselors do not sell insurance.
Compare Delaware Medigap Rates and Use Your Birthday Rule
Delaware adopted the birthday rule in 2026. Plan G starts at $161/mo (LifeShield National). State Farm offers A++ financial strength at $163/mo. Compare all carriers before enrolling or using your annual birthday rule window.