Health benefits & coverage
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.
Dental coverage is available 2 ways
- Health plans with dental coverage: Some Marketplace health plans have dental coverage. You can see which plans include dental coverage when you compare them.
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.
Dental plan categories: High and low
There are 2 categories of Marketplace dental plans: High and low.
- High coverage level has higher
The amount you pay for your health insurance every month. In addition to your premium, you usually have to pay other costs for your health care, including a deductible, copayments, and coinsurance. If you have a Marketplace health plan, you may be able to lower your costs with a premium tax credit. Refer to glossary for more details.
copayments
A fixed amount ($20, for example) you pay for a covered health care service after you've paid your deductible. Refer to glossary for more details.
deductibles
The amount you pay for covered health care services before your insurance plan starts to pay. With a $2,000 deductible, for example, you pay the first $2,000 of covered services yourself. Refer to glossary for more details.
When you compare dental plans in the Marketplace, you’ll find details about each plan’s costs, copayments, deductibles, and services covered.
Adult & child dental insurance in the Marketplace
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.
More answers: Dental coverage & the Marketplace
Can I cancel my Marketplace dental coverage and still keep my health coverage?
It depends.
- If you have a separate dental plan: You can cancel any time. Learn how to cancel a separate dental plan while keeping your health plan.
- If you’re enrolled in a health plan with dental coverage: You can't remove dental coverage from your Marketplace health plan. But, you can change health plans (with or without dental coverage):
Open Enrollment Period
The yearly period (November 1 – January 15) when people can enroll in a Marketplace health insurance plan. Refer to glossary for more details.
Special Enrollment Period
A time outside the yearly Open Enrollment Period when you can sign up for health insurance. You qualify for a Special Enrollment Period if you’ve had certain life events, including losing health coverage, moving, getting married, having a baby, or adopting a child, or if your household income is below a certain amount. Refer to glossary for more details.
