Updated July 2, 2026
Medigap in Delaware operates under standard federal rules. Plan G typically runs around $148 per month, putting the state in the mid-range nationally. Your actual premium will depend on your age, the carrier, and the rating method the insurer uses.
Enrolling in Delaware
Open Enrollment is a one-time guaranteed window. It starts the month your Medicare Part B begins and lasts six months. No carrier can deny your application or add a premium surcharge for health reasons during this period. Delaware does not layer state-specific protections on top of the federal rules, so if you miss this window, you are likely subject to medical underwriting the next time you apply. That can mean higher rates, a waiting period, or outright denial. The open enrollment calculator will show you exactly when your window opens and closes. The Medigap vs Advantage calculator is useful if you have not yet decided which type of coverage fits your needs.
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Things to Know About Medigap Enrollment in Delaware
Federal law standardizes what each Medigap plan letter covers, so Plan G is identical in benefits from one carrier to the next. What differs is price and how each company sets its rates. Some use issue-age rating: locking your rate based on age at enrollment. Others use attained-age rating, which starts lower but rises as you get older. Ask each insurer directly. Use the Medigap cost calculator to estimate costs by age, and review what each plan covers before you choose a plan letter.
FAQs
How much does Medigap Plan G cost in Delaware?
Plan G premiums in Delaware run around $148 a month for most new enrollees, though your exact rate depends on your age, sex, tobacco use and the insurer you choose.
Can I switch Medigap plans later if I start in Delaware?
You can apply to switch carriers or plan letters at any time, but outside a guaranteed-issue event most insurers in Delaware will medically underwrite that new application.