Best Medicare Advantage Plans in Delaware for 2027
Every general-audience Medicare Advantage plan with drug coverage in Delaware, ranked by what it could cost you in a bad year: 12 months of premiums, less any Part B giveback, plus the plan's in-network out-of-pocket maximum. Pick your county to see only the plans sold there.
Delaware plans, ranked
Showing all 20 plans.
| # | Plan | Premium / month | In-network max out-of-pocket | Worst-case year | Stars |
|---|---|---|---|---|---|
| 1 | HumanaChoice H5216-390 (PPO)Humana · PPOAll 3 counties · drug deductible $700Dental up to $1,000/yr · eyewear $100/yr | $7.90 | $5,900 | $5,995 | 4★ |
| 2 | AARP Medicare Advantage Essentials from UHC DE-3 (HMO-POS)UnitedHealthcare · HMO-POSAll 3 counties · drug deductible $595Preventive dental · eyewear $100/yr · hearing aids $1,000/yr | $0 | $6,400 | $6,400 | 4★ |
| 3 | AARP Medicare Advantage Extras from UHC DE-6 (HMO-POS)UnitedHealthcare · HMO-POSAll 3 counties · drug deductible $685Dental up to $2,500/yr · eyewear $100/yr · hearing aids $1,000/yr | $0 | $7,150 | $7,150 | 4★ |
| 4 | Aetna Medicare Advantra Signature (HMO)Aetna Medicare · HMOAll 3 counties · drug deductible $700Dental up to $500/yr · eyewear $150/yr · hearing aids $500/yr per ear | $0 | $7,150 | $7,150 | 3.5★ |
| 5 | Complete Blue PPO Signature (PPO)Highmark Blue Cross Blue Shield · PPO1 of 3 counties · drug deductible $700Dental up to $750/yr · eyewear $150/yr · hearing aids $500/yr · OTC items $100/yr | $0 | $7,150 | $7,150 | 3★ |
| 6 | DEVOTED CHOICE 001 DE (PPO)Devoted Health · PPO1 of 3 counties · drug deductible $650Dental up to $3,500/yr · eyewear $350/yr · OTC items $248/yr | $0 | $7,250 | $7,250 | Too new to rate |
| 7 | AARP Medicare Advantage from UHC DE-0001 (PPO)UnitedHealthcare · PPOAll 3 counties · drug deductible $685Preventive dental · eyewear $100/yr · hearing aids $700/yr | $23 | $7,150 | $7,426 | 4★ |
| 8 | DEVOTED CHOICE GIVEBACK EXTRAS 005 DE (PPO)Devoted Health · PPO1 of 3 counties · drug deductible $700Part B giveback $70/mo · Dental up to $2,000/yr · eyewear $400/yr · OTC items $376/yr | $0−$70 Part B giveback | $8,450 | $7,610 | Too new to rate |
| 9 | HealthSpring True Choice (PPO)HealthSpring · PPO1 of 3 counties · drug deductible $700Dental up to $500/yr · eyewear $100/yr | $14 | $7,500 | $7,668 | 3★ |
| 10 | Aetna Medicare Enhanced (HMO)Aetna Medicare · HMOAll 3 counties · drug deductible $400Dental up to $1,000/yr · eyewear $250/yr · hearing aids $500/yr per ear · OTC items $240/yr | $59 | $7,150 | $7,858 | 3.5★ |
| 11 | HealthSpring Preferred (HMO)HealthSpring · HMO1 of 3 counties · drug deductible $500Dental up to $850/yr · eyewear $150/yr · OTC items $80/yr | $0 | $7,900 | $7,900 | 3★ |
| 12 | DEVOTED CHOICE GIVEBACK 002 DE (PPO)Devoted Health · PPO1 of 3 counties · drug deductible $461Part B giveback $159.90/mo · Dental up to $500/yr · eyewear $200/yr | $0−$159.90 Part B giveback | $9,850 | $7,931 | Too new to rate |
| 13 | AARP Medicare Advantage from UHC DE-0002 (PPO)UnitedHealthcare · PPOAll 3 counties · drug deductible $685Dental up to $2,500/yr · eyewear $100/yr · hearing aids $700/yr | $68 | $7,150 | $7,966 | 4★ |
| 14 | Complete Blue PPO Distinct (PPO)Highmark Blue Cross Blue Shield · PPO1 of 3 counties · drug deductible $700Dental up to $1,000/yr · eyewear $150/yr · hearing aids $500/yr | $138 | $6,500 | $8,156 | 3★ |
| 15 | Humana Essentials Plus Giveback (PPO)Humana · PPOAll 3 counties · drug deductible $700Part B giveback $119/mo · Dental up to $500/yr · eyewear $100/yr | $0−$119 Part B giveback | $9,850 | $8,422 | 4★ |
| 16 | Humana Essentials Plus Giveback (PPO)Humana · PPO2 of 3 counties · drug deductible $700Part B giveback $119/mo · Dental up to $500/yr · eyewear $100/yr | $0−$119 Part B giveback | $9,850 | $8,422 | 4.5★ |
| 17 | Complete Blue PPO Distinct (PPO)Highmark Blue Cross Blue Shield · PPO2 of 3 counties · drug deductible $700 | $167 | $7,150 | $9,154 | 3★ |
| 18 | HumanaChoice H5216-387 (PPO)Humana · PPOAll 3 counties · drug deductible $600Dental up to $1,000/yr · eyewear $200/yr | $43 | $8,950 | $9,466 | 4★ |
| 19 | Wellcare Simple (HMO-POS)Wellcare · HMO-POSAll 3 counties · drug deductible $700Dental up to $2,000/yr · eyewear $100/yr · hearing aids $500/yr per ear | $0 | $9,850 | $9,850 | 2.5★ |
| 20 | Aetna Medicare Premier (PPO)Aetna Medicare · PPOAll 3 counties · drug deductible $700Dental up to $1,000/yr · eyewear $275/yr · hearing aids $500/yr per ear · OTC items $140/yr | $106 | $9,850 | $11,122 | 4★ |
Worst-case year = 12 × (monthly plan premium − any Part B giveback) + in-network maximum out-of-pocket, for covered Part A and B services. A giveback lowers the Part B premium you’d otherwise pay ($202.90 a month in 2026), so it counts as money back; a plan with a large giveback can show a worst-case year below $0. The Part B premium itself is the same for everyone, and drug costs are capped separately at $2,400 for 2027. Out-of-network care in PPO plans has a higher limit. Ties go to the lower premium. Other extras (dental, eyewear, hearing aids, over-the-counter allowance) are the yearly maximums each plan filed with CMS; they don’t change the order. Methodology
Before you enroll, check two things this ranking can’t: whether your doctors are in the plan’s network, and how it covers your drugs. Both are in the official Medicare Plan Finder. Star ratings are CMS’s 2027 quality scores (1 to 5) for the company contract behind each plan; they’re shown for context and don’t change the cost order.
Plans without drug coverage
These 4 plans don’t include Part D. They mainly suit people with drug coverage from elsewhere, such as the VA or TRICARE. Joining one generally means you can’t also join a stand-alone Part D plan, and going without creditable drug coverage can trigger a late enrollment penalty.
| # | Plan | Premium / month | In-network max out-of-pocket | Worst-case year | Stars |
|---|---|---|---|---|---|
| 1 | Freedom Blue PPO Valor (PPO)Highmark Blue Cross Blue Shield · PPOAll 3 countiesPart B giveback $70/mo · Dental up to $3,000/yr · eyewear $200/yr · hearing aids $500/yr · OTC items $400/yr | $0−$70 Part B giveback | $6,000 | $5,160 | 3★ |
| 2 | Humana USAA Honor Giveback (PPO)Humana · PPOAll 3 countiesPart B giveback $128/mo · Dental up to $1,000/yr · eyewear $350/yr | $0−$128 Part B giveback | $6,750 | $5,214 | 4★ |
| 3 | AARP Medicare Advantage Patriot No Rx DE-MA01 (HMO-POS)UnitedHealthcare · HMO-POSAll 3 countiesPart B giveback $125/mo · Dental up to $2,000/yr · eyewear $125/yr · hearing aids $1,000/yr | $0−$125 Part B giveback | $7,150 | $5,650 | 4★ |
| 4 | Aetna Medicare Advantra Eagle Plus (HMO)Aetna Medicare · HMOAll 3 countiesPart B giveback $125/mo · Dental up to $2,500/yr · eyewear $300/yr · hearing aids $500/yr per ear · OTC items $420/yr | $0−$125 Part B giveback | $7,150 | $5,650 | 3.5★ |
County pages
Kent County · New Castle County · Sussex County
Questions
How many Medicare Advantage plans are available in Delaware for 2027?
CMS lists 20 general-audience Medicare Advantage plans with drug coverage in Delaware for 2027, from 7 parent companies. Not every plan is sold in every county; use the county filter to see yours.
Are there $0 premium Medicare Advantage plans in Delaware?
Yes. 11 of the 20 plans have a $0 monthly plan premium in 2027. You still pay the Part B premium ($202.90 a month in 2026).
Which Delaware Medicare Advantage plan has the lowest worst-case cost?
HumanaChoice H5216-390 (PPO) from Humana: $7.90 a month with an in-network out-of-pocket maximum of $5,900, so at most about $5,995 in premiums and in-network costs for the year. It is offered in 3 of 3 counties.
Which Delaware Medicare Advantage plans have 4 or more stars?
9 of the 20 plans belong to contracts CMS rated 4 stars or higher for 2027. Star ratings measure quality and member experience, not cost; the table shows each plan's rating next to its worst-case cost.
Which Delaware Medicare Advantage plans have a Part B giveback?
4 of the 20 plans lower your Part B premium (a "giveback"), according to their 2027 benefit filings with CMS. The largest is $159.90 a month, from DEVOTED CHOICE GIVEBACK 002 DE (PPO). A giveback plan isn't automatically cheaper: compare its worst-case year and its network.
What is the typical out-of-pocket maximum in Delaware?
The median in-network out-of-pocket maximum among these plans is $7,200. CMS allows up to $9,850 in 2027.
Sources
- CMS, CY 2027 Medicare Advantage and Prescription Drug Plan Landscape (CY2027_Landscape_202609.csv), from cms.gov; extra benefits (Part B giveback, dental, eyewear, hearing aids, over-the-counter allowance) from the CMS CY 2027 Plan Benefit Package files, cms.gov, yearly amounts as each plan filed them; star ratings from the CMS 2027 Star Ratings Data Tables (October 8, 2026), cms.gov. Ratings are per contract, so plans under the same contract share one rating. General-audience plans only: Special Needs Plans, Cost plans and employer group plans are not ranked.
- CMS, 2026 Part B premium — cms.gov.
Educational information, not a recommendation to join any plan. We are not an insurance agent or broker, and we are not connected with or endorsed by the U.S. government or the federal Medicare program. Plan details can change; confirm with the plan or Medicare.gov. · Advertiser disclosure
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