In the Health Insurance Marketplace, you can get dental coverage 2 ways: as part of a health plan, or by itself through a separate, stand-alone dental plan.
You can buy a dental plan through the federal Marketplace only when you enroll in a health plan.
Health plans that include dental coverage. In the Marketplace, dental coverage is included in some health plans. You can see which plans include dental coverage when you compare them.
If a health plan includes dental coverage, you’ll pay one monthly premium for everything. The premium shown for the plan includes both health and dental coverage.
Separate, stand-alone dental plans. In some cases separate, stand-alone plans are offered. You may want this if the health coverage you choose doesn’t include dental coverage, or if you want different dental coverage.
If you choose a separate dental plan, you’ll pay a separate, additional premium.
There are 2 types of Marketplace dental plans: High and low.
The low coverage level has lower premiums but higher copays and deductibles.
When you compare dental plans in the Marketplace, you’ll find details about each plan’s costs, copayments, deductibles, and services covered.
Under the health care law, dental insurance is treated differently for adults and children 18 and under.
Under the health care law, most people must have health coverage or pay a fee. But this isn’t true for dental coverage. You don’t need to have dental coverage, even for children, to avoid the penalty.
Outside Open Enrollment, you can change health plans only if you have a qualifying life event that gives you a Special Enrollment Period (SEP). Learn more about how you qualify for a Special Enrollment Period. If you qualify for an SEP, you can choose a new health plan that doesn’t include dental coverage.