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The low coverage level has lower premiums but higher copayments and deductibles. So you’ll pay less every month, but more when you use dental services.
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
Under the health care law, 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 stand-alone plan. Note: While dental coverage for children must be available to you, you don’t have to buy it.
If you’re enrolled in a health plan with dental benefits, you can change health plans only if you have a life event that qualifies you for a Special Enrollment Period. If you qualify, you can choose a new health plan with or without dental coverage. But you can’t get dental coverage by itself.