Health insurance · Delaware

Health Insurance Agencies in Wilmington, DE

Individual and family medical cover outside an employer plan.

Local insight

Health insurance in Wilmington: what to know

Wilmington has 71,727 residents in 31,655 households. We list 19 agencies for health insurance in Wilmington. Here is what the local numbers say about the cover people here need.

Wilmington at a glance

Population and housing figures: U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates. Agency count: our listings.

Natural hazard risk in New Castle County

FEMA rates the overall natural hazard risk in New Castle County, where most Wilmington agencies we list are located, as Relatively High compared with other U.S. counties. The hazards it rates highest:

  • Winter weatherVery High
  • Inland floodingRelatively High

    Most home and renters policies do not cover flood damage. Flood cover is a separate policy, from the National Flood Insurance Program or a private insurer, and an NFIP policy usually starts 30 days after you buy it.

    Flood insurance
  • Ice stormRelatively High
  • Strong windRelatively High

    Some insurers exclude windstorm and hail from the main home policy or set a separate deductible for them. Ask the agent which applies.

    Home insurance in Wilmington
  • Coastal floodingRelatively High

    Storm surge and tidal flooding count as flood, which most home policies exclude. It needs a separate flood policy.

    Flood insurance

Source: FEMA National Risk Index, December 2025 release. Ratings compare each county with all other U.S. counties.

Car insurance rules in Delaware

Delaware requires drivers to carry at least $25,000 of bodily injury liability per person, $50,000 per accident and $10,000 of property damage liability, often written 25/50/10. It also requires personal injury protection ($15,000 per person, $30,000 per accident).

These are legal minimums, not a recommendation: a serious crash can cost far more, and anything above your limits is yours to pay.

Auto insurance in WilmingtonHow much liability cover do you need?

Source: delcode.delaware.gov. Checked 2026-10-24.

Insurance companies Wilmington agencies work with

Of the 19 Wilmington agencies whose appointments we hold, how many are appointed with each company. An appointed agency can quote and sell that company’s policies.

  1. Aetna10 agencies
  2. UnitedHealthcare10 agencies
  3. Centene8 agencies
  4. Medicare Advantage8 agencies
  5. Blue Cross Blue Shield7 agencies
  6. Cariten Health Plan5 agencies
  7. Humana5 agencies
  8. National Pacific Dental,5 agencies
  9. Principal5 agencies
  10. Devoted Health Plan of Texas,4 agencies

Source: insurance company appointments in state records, as listed on each agency’s profile.

Where Wilmington agencies are

Wilmington agencies we list sit in 5 ZIP codes, mostly in New Castle County.

  • 198087 agencies
  • 198016 agencies
  • 198054 agencies
  • 198031 agency
  • 198071 agency

Questions

Health insurance in Wilmington

All insurance agencies in Wilmington · Health insurance across Delaware

Where can I find health insurance in Wilmington?

Browse the agencies on this page, search by name, or pick the insurance you need in the filters to see only the agencies that offer it.

What does health insurance cover?

Individual and family medical cover outside an employer plan.

Which insurance companies do Wilmington agencies work with?

Among the 19 Wilmington agencies whose appointments we hold, the companies they are most often appointed with are Aetna (10), UnitedHealthcare (10), Centene (8), Medicare Advantage (8), Blue Cross Blue Shield (7). An appointed agency can quote that company's policies.

Do I need flood insurance in Wilmington?

FEMA's National Risk Index rates inland flooding risk in New Castle County as Relatively High compared with other U.S. counties. Most home and renters policies do not cover flood damage. Flood cover is a separate policy, from the National Flood Insurance Program or a private insurer, and an NFIP policy usually starts 30 days after you buy it.

How do I choose an agency?

Call two or three. Ask which companies they can quote for you, how they handle claims, and who you will deal with after you buy. An independent agency can compare several insurers in one call.

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