Health and Dental Insurance: Find Affordable Plans
Find Cheap Health and Dental Insurance in Your Area
You can save on dental insurance by bundling it with your health plan.
Many insurance companies offer discounts when you buy a health and dental policy together, called a bundling discount. Bundling can also help simplify your coverage since you have only one company to deal with when paying bills or filing a claim.
Bundling your coverage can also help you find the best company for health and dental insurance by narrowing your search.
Best dental insurance plans
Humana offers the best combination of low costs and strong customer service.
Humana charges $18 per month on average for dental coverage. It has the second-cheapest rates among large, national dental insurance companies.
If you want the cheapest dental coverage, consider DentaQuest. You'll pay $16 per month on average for coverage.
Humana also scored second in a recent J.D. Power Survey that measured customer satisfaction among top dental insurance companies. Aetna has the highest-rated plans for customer satisfaction. However, it doesn't have publicly available rate information for dental plans.
United Concordia Dental and DentaQuest also scored above average for overall satisfaction. In contrast, UnitedHealthcare, Cigna and Guardian ranked near the bottom of the list.
Dental insurance companies by plan cost
Company | Monthly cost | |
|---|---|---|
| DentaQuest | $16 |
| Humana | $18 |
| Guardian | $19 |
| Cigna | $22 |
| UnitedHealthcare | $24 |
Average monthly cost for a 40-year-old individual with a stand-alone dental insurance plan on HealthCare.gov.
Get Health and Dental Insurance Quotes
Best bundled health and dental insurance plan: UnitedHealthcare
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Editor's rating
- Cost: $24/mo
UnitedHealthcare has high-quality health and dental insurance and moderate prices.
Pros:
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Affordable dental rates
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Quality health insurance
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Large network of doctors and dentists
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Dental, vision and health bundle available
Cons:
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Average customer satisfaction for dental plans
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Health insurance can be expensive in some areas
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Not available in all states
UnitedHealthcare offers a range of health, vision and dental bundling options.
UnitedHealthcare (UHC) is a good choice for people who want to bundle their dental and health plans. It offers the best combination of prices and quality among large national insurance companies that sell both types of insurance.
UnitedHealthcare also sells vision insurance and extra health coverage, called supplementary insurance. You can bundle these lines together for even more savings.
Best stand-alone dental plan: Humana
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Editor's rating
- Cost: $18/mo
Humana has cheap rates and a strong reputation for customer satisfaction.
Pros:
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Affordable rates
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High levels of customer satisfaction
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Large network of dentists
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Many dental plan options available
Cons:
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Not the cheapest option for dental
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Doesn't sell individual health plans
Humana has the highest-quality cheap dental plans on HealthCare.gov.
A stand-alone dental plan from Humana costs just $18 per month. That makes Humana the second-cheapest dental insurance company in America, after DentaQuest. Humana also scores high for customer satisfaction, ranking second on a recent J.D. Power survey .
With Humana, you get access to a large network of dentists nationwide. You can also choose from a variety of plan options. These range from cheap plans that have minimal coverage to more comprehensive options.
Unfortunately, you can no longer buy a Humana health insurance plan directly. It only sells group coverage that you get through your workplace. If your employer doesn't offer Humana health insurance, you'll have to buy a separate health policy from a different company.
Best network of dentists: Delta Dental
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Editor's rating
- Cost: $29/mo
Delta Dental gives you access to the largest network of dentists nationwide.
Pros:
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Large network of dentists
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Many dental plans available
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Vision coverage available in some states
Cons:
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Expensive rates
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Health and dental bundling unavailable
Delta Dental stands out for its large network of dentists. Consider Delta Dental if you travel frequently or if flexibility is very important to you.
Delta Dental offers a broad range of individual, family and senior dental plans. These include discount plans , PPOS and HMOs. Delta's broad range of options lets you tailor your coverage level to your specific needs.
The main downside to Delta Dental is that it doesn't sell health insurance. That means you can't take advantage of a bundling deal. Delta Dental also has some of the most expensive average rates of any company on HealthCare.gov.
Delta Dental sells vision insurance in 15 states.
Health and dental insurance plans
You can bundle your health and dental insurance through one company, or you can buy stand-alone health and dental plans.
There are two ways to get health and dental insurance. A bundled plan will combine coverage for medical and dental care under one plan. Alternatively, you can get separate plans for medical insurance and dental insurance.
Health and dental bundle
Separate plans
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Pros
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Cons
Health and dental bundle
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Pros
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Cons
Separate plans
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Pros
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Cons
Dental insurance costs $22 per month on average.
You can only buy a dental insurance plan on HealthCare.gov or your state health exchange if you're also buying a health insurance plan. If you only need a dental policy, you can shop with an insurance agency or buy one directly through an insurance company.
Keep in mind that you may qualify for financial assistance if you buy your health insurance through HealthCare.gov or your state marketplace and you earn a low income. You need to meet these conditions to qualify for government discounts, called Affordable Care Act (ACA) subsidies and cost-sharing reductions. These can significantly lower the cost you pay for health insurance. Dental plans aren't eligible for government discounts or subsidies.
The Affordable Care Act (ACA), also called Obamacare, requires that health insurance plans cover dental for children 18 and younger. However, some companies will cover children under a separate dental plan, rather than include the benefits in a health insurance plan.
Bundling health, dental and vision coverage
Vision insurance is sometimes bundled with a health and dental insurance plan.
However, stand-alone vision insurance plans are not sold on HealthCare.gov or your state marketplace. Shop directly with an insurance company or insurance agency if you need a separate vision plan.
How to compare private health and dental insurance
When choosing your coverage, you should consider several key factors to find the best plan for your budget, health needs and preferences.
How much coverage do you need?
The general rule of thumb for both health and dental insurance is: If you expect to need major medical care or treatment, it's worth it to buy a more expensive plan. That's because the better benefits will help you save money overall.
All ACA health plans have to offer the same 10 essential services. In contrast, dental insurance plans are not required to cover the same services. That means some plans may cover only basic services like cleanings and fillings. More robust plans may also cover major dental services.
Which companies are in the plan's network?
Your insurance network can include a list of dentists, doctors and hospitals. With a health or dental insurance plan, you'll usually pay less for services if you use an in-network doctor or dentist. That means when you're shopping for insurance, it's important to check that your doctor and dentist are part of your plan's network.
How much flexibility do you want?
Frequently asked questions
What company has the best health and dental insurance?
Humana offers the best combination of cost and quality. It has highly rated dental and health insurance plans, cheap rates and a large network of doctors and dentists.
What are the best dental insurance plans?
Aetna and Humana have the best dental plans, according to a recent J.D. Power survey. This study measured customer satisfaction for nine top dental insurance companies.
Is dental insurance worth it?
Dental insurance is usually worth it. Good oral hygiene can have important long-term effects on your overall health. For example, studies have shown that poor gum health is linked to higher rates of deadly cardiovascular problems, such as heart attacks.
Sources and methodology
Dental insurance cost data came from HealthCare.gov public use files. Unless otherwise noted, all rate data is for a single 40-year-old who doesn't have a child.
Customer satisfaction rankings were taken from the 2023 J.D. Power Dental Plan Satisfaction survey.
Editorial note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.