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Finding Dental Coverage in the Marketplace

Dental insurance is accessible through the Marketplace, either as part of a health plan or as a standalone, stand-alone dental plan. It’s important to note that you may only get a Marketplace dental plan if you also purchase a Marketplace health plan.

You can see which plans include dental coverage when you’re comparing health plans. If a health plan includes dental, the premium covers both health and dental coverage. If you choose a separate dental plan, you’ll pay a separate, additional premium.

If you have a separate, stand-alone dental plan, you can cancel any time. Plans that have dental included can only be changed if you have a life changing event.

Plans for Both Adult & Children

For children, dental coverage is a necessary health benefit. This implies that if you’re buying health insurance for someone under the age of 18, dental care must be accessible, either as part of a health plan or as a separate plan. Note that while dental coverage for children is required, you are not required to purchase it.

Kid at the dentist smiling

Two Types of Dental Plans: High and Low

Dental plans on the Marketplace are divided into two categories: high and low.

  • Premiums for high coverage are greater, but copayments and deductibles are cheaper. As a result, you’ll pay more on a monthly basis, but less when you require dental services.
  • Premiums are lower at the low coverage level, but copayments and deductibles are greater. As a result, you’ll pay less on a monthly basis, but more when you need dental treatments.

When you evaluate dental plans on the Marketplace, you’ll see pricing, copayments, deductibles, and treatments covered for each plan.

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Open Enrollment has ended, but you may be eligible for the Special Enrollment Period.
Open Enrollment for 2023 has Started
and runs through Sunday, January, 2023.
Request Appointment
Meet with a Marketplace Navigator to determine if you qualify for special enrollment.

Covering Central Florida Marketplace Navigators are available to help answer any questions, listen to feedback, or other inquiries using our support form. All services are offered completely free of charge to everyone.

The Special Enrollment Period is a time outside the yearly Open Enrollment Period when you can sign up for health insurance based on certain life events. 

👋 Before You Go
You may qualify for year-round Health Insurance Marketplace enrollment, if your household income is no more than:

$19,320 for individuals
$26,130 for a family of 2
$32,940 for a family of 3
$39,750 for a family of 4
$46,560 for a family of 5
$53,370 for a family of 6

Covering Central Florida is federally funded, and services are offered completely free of charge.