In the Marketplace, you can pick a health plan with or without dental benefits. If you pick a health plan without dental benefits, you can still get a separate dental plan.
IMPORTANT: You can’t buy a Marketplace dental plan unless you’re buying a health plan at the same time.
Health plans with dental coverage: Some Marketplace health plans have dental coverage. You can see which plans include dental coverage when you compare them.
If a health plan includes dental, the premium covers both health and dental coverage.
Separate dental plans: In some cases, separate dental plans are offered. You can see them when you shop for plans in the Marketplace.
If you pick a separate dental plan, you’ll pay a separate premium. This is in addition to the premium you pay for your Marketplace health plan.
How to preview dental plans
Click the button below and answer a few income and household questions. You can then preview health plans with dental, and separate dental plans.
There are 2 categories of Marketplace dental plans: High and low.
When you compare dental plans in the Marketplace, you’ll find details about each plan’s costs, copayments, deductibles, and services covered.
Dental insurance is treated differently for adults and children 18 and under.
Dental coverage is an essential health benefit for children. This means if you’re getting health coverage for someone 18 or younger, dental coverage must be available for your child either as part of a health plan or as a separate dental plan.
Note: While dental coverage for children must be available to you, you don’t have to buy it.
Dental coverage isn't an essential health benefit for adults. Health plans don’t have to offer adult dental coverage.