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2024

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Best Health Insurance Agencies in Wilmington, DE

Our Recommended Top 4

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Wilmington Health Insurance Agencies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

1354Reviewed

814Curated

4Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

1013 Centre Road, Suite 402, Wilmington, DE 19805
WebsiteLicense: 1395384

Expertise.com Rating

Review Sources

Google
4.9 (144)
Facebook
4.2 (10)
Yelp
1.0 (1)

Why choose this provider?

Jim Walsh opened his State Farm office in 2016 and serves the insurance needs of individuals, families, and businesses in and around Wilmington. One of the services he and his team offer is health insurance. They provide clients with health care options that provide coverage for medical, surgical, and hospital expenses. His team also arranges Medicare supplement plans to cover deficiencies in clients' existing policies. Other products and services that are available from Walsh include life insurance, home insurance, and auto insurance.

  • Health Insurance

410 Delaware Avenue, Wilmington, DE 19801
WebsiteLicense: 1019836

Expertise.com Rating

Why choose this provider?

Allen Insurance Group is a full-service brokerage that caters to residents and businesses in Wilmington. It offers a range of risk management solutions, including health insurance. Its health policies include traditional and short-term medical plans, Medicare Supplement, and long-term care plans. Allen Insurance also offers healthcare savings accounts and coverage for trips and accidents. In addition, it provides coverage for automobiles and homeowners and umbrella policies. The independent agency also offers commercial liability insurance, coverage for properties, workers' compensation insurance, and group employee benefits.

  • Individual Plans
  • Health Insurance

906 Brandywine Boulevard, Wilmington, DE 19809
WebsiteLicense: 3000771704

Expertise.com Rating

Why choose this provider?

American Family Senior Services, LLC provides insurance products and financial management services to senior citizens in Wilmington. It offers a range of health insurance products that help seniors secure their future, including Medicare coverage and major medical insurance. Its agents evaluate the unique situations of each client to find the most appropriate health insurance policies. The company also covers life insurance, retirement planning, and financial planning services. With over 100 years of combined experience, the company has a network of reputable insurers with policies that meet any financial goals.

  • Life Insurance

913 Warrior Road, Malvern, PA 19355

Expertise.com Rating

Review Sources

Yelp
5.0 (1)

Why choose this provider?

Tan-Jent Insurance is an independent agency that offers insurance solutions to businesses, families, and individuals in Wilmington and the surrounding areas. It crafts individual and group insurance policies, including dental insurance, vision insurance, Medicare Advantage, and Medicare Supplement plans. Clients may also avail of the agency's insurance programs that cover recreational and occupational accidents. In addition, Tan-Jent Insurance has partnered with multiple carriers, including Transamerica, AIG, and Athene Annuities to provide income replacement, final expense, and mortgage protection insurance options that suit clients' needs.

  • Life Insurance

Compare our Top Health Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
Jim Walsh
1013 Centre Road, Suite 402, Wilmington, DE 19805
Allen Insurance Group
410 Delaware Avenue, Wilmington, DE 19801
American Family Senior Services, LLC
906 Brandywine Boulevard, Wilmington, DE 19809
Tan-Jent Insurance
913 Warrior Road, Malvern, PA 19355

FAQs

  • Introduction

    If you're looking for health insurance for yourself or your family, an agent can help you save time, understand your options, and manage your costs. Insurance agents must be licensed in the state where they operate. They can provide information about on- and off-exchange plans to help you weigh all of your options, and they can see if you qualify for tax credits that can lower your monthly premiums. There's no cost to work with an agent, and they can help you save quite a bit by recommending the best plan for your needs. Here's what you should know before you get started.

  • Which health insurance providers lead in offering affordable health coverage to the residents of Wilmington?

    Blue Cross Blue Shield is known for offering cost-effective health plans tailored to Wilmington young adults between the ages of 18 and 24. Meanwhile, Highmark Blue Cross Blue Shield provides a wide selection of comprehensive coverage with competitive pricing for individuals aged 25 to 39. As people near retirement age, AARP presents a variety of affordable health insurance alternatives.

  • What is the out-of-pocket expense limit for individual health plans in Wilmington under the Affordable Care Act?

    Under the Affordable Care Act, every individual health plan in Wilmington is subject to a $6,350 cap on out-of-pocket expenses. These expenses represent the portion of medical costs that policyholders are responsible for and may include items such as deductibles, copayments, and coinsurance. These payments represent the amount policyholders directly provide to healthcare providers as compensation for the services they obtain.

  • Are there limits to the coverage Medicare supplemental health insurance plans provide to policyholders in Wilmington?

    It is more likely that Medicare supplemental insurance may not cover advanced treatments for specific critical illnesses, such as cancer. While Medicare or Medigap might authorize chemotherapy and radiation therapies for Wilmington policyholders, they may not extend coverage to certain cutting-edge medical innovations with potentially higher success rates and lower health risks.

  • Which health insurance companies lead in providing Medicare Advantage plans in Wilmington?

    In Wilmington, the major Medicare Advantage plan providers consist of Aetna, offering an HMO plan with a $0 premium and a maximum out-of-pocket (MOOP) expense capped at $7,550. Additionally, Cigna, another leading provider, presents an HMO plan with no monthly premium and a MOOP of $6,900. Meanwhile, Humana provides a plan with a significantly reduced MOOP of $4,900, coupled with no monthly premium.

  • What health insurance options are suggested for individuals without employment in Wilmington?

    Wilmington residents who find themselves without employment have a few healthcare options to explore, including short-term health plans. These policies are tailored to address sudden health emergencies and unforeseen illnesses. Alternatively, individuals may opt for a qualified health plan that aligns with the Affordable Care Act's requirements during a special enrollment period. Another way to retain employer-based health insurance post-job loss or departure is through the Consolidated Omnibus Budget Reconciliation Act.

  • How can you find affordable health insurance? 

    Affordable insurance is available through employers, Medicare, Medicaid, and the federal Health Insurance Marketplace, which offers subsidies in the form of tax credits. You can also purchase coverage through private insurance companies and independent agents. Nearly half of all Americans have employer-sponsored health insurance, and about 10% of the population is uninsured.