Dentist in gloves examining a patient's teeth in a dental chair

For Florida adults and families · Licensed in 20 U.S. states

Dental insurance
in Florida.

Many health plans don't pay for an adult's cleanings, fillings, or crowns. Federal rules don't count adult dental as an essential health benefit, so health plans don't have to include it. In Florida you can get it inside some health plans, as a separate plan on the Marketplace, or as a stand-alone policy bought straight from an insurer, often paired with vision.

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Where dental comes from

Three places to get
dental coverage.

If you buy your own coverage, dental benefits usually come from one of these:

Built into a health plan.

Some Marketplace health plans include dental benefits, and one premium pays for both. HealthCare.gov notes that you can't drop the dental part later and keep the rest of that plan. To change, you switch health plans during open enrollment or a special enrollment period.

A separate Marketplace dental plan.

You pay a second premium on top of the health plan, and you can only buy it when you buy a Marketplace health plan at the same time. You can cancel a separate dental plan whenever you like without losing the health plan.

A stand-alone policy from an insurer.

Dental and dental-plus-vision policies are also sold directly, outside the Marketplace. You don't need a health plan to buy one, and many can be bought any time of year. They often pair checkups and cleanings with waiting periods for bigger work, so read the schedule.

Woman in a dental chair holding her jaw while a dentist looks on — Photo: Pexels photo 4971505 by Gustavo Fring, used under the Pexels License. Cropped, resized, and converted to WebP. Modified from the original.

Adults and children

How the rules treat grown-ups and kids.

These points follow HealthCare.gov's dental coverage page and Florida Statutes s. 627.6474, read October 28, 2026.

For anyone 18 or younger, dental is an essential health benefit. A Marketplace plan for a child must make dental available, inside the plan or as a separate plan, though you can decline it.
For adults, dental is not an essential health benefit. Health plans don't have to offer it.
A separate dental plan can make adults wait before it covers some services, and you pay premiums during the wait.
In Florida, a health insurer's contract with a dentist can't require the dentist to charge the insurer's set fee for work the plan doesn't cover at all. Care held back only by a waiting period or a yearly maximum still counts as covered under that law.

Florida dental sign-ups

Florida dental sign-ups
on the Marketplace.

237,407

Floridians who picked a separate Marketplace dental plan in 2026 open enrollment.

5.2%

Share of all 4,538,772 Florida Marketplace sign-ups that season.

18 and under

The ages for which dental is an essential health benefit.

Sources: CMS, 2026 Marketplace Open Enrollment Period State-Level Public Use File; HealthCare.gov, Dental coverage in the Marketplace. Sign-up counts are Florida only and leave out dental bought outside the Marketplace.

Paul DanielsLicensed health advisor · NPN 20986580

Working with Paul

A broker who checks
your dentist first.

Daniels Health Advisors is the independent brokerage Paul Daniels founded, licensed in 20 U.S. states. For dental, we start with the dentist you already see and the work you expect this year. Then we compare a health plan that includes dental, a separate Marketplace dental plan, and stand-alone dental or dental-and-vision policies, so you can see the premium against the yearly maximum and any waiting periods.

Bring your dentist's name, any treatment plan or estimate you've been given, and whether you also want eye exams and glasses covered.

Premiums lined up against yearly maximums and waiting periods
Licensed in 20 U.S. states · Paul Daniels, NPN 20986580 · FL license G065122
You do not pay us for our help. We are paid by the insurance companies when you enroll. Your price for a plan is the same whether you use us or sign up on your own. Commissions can differ by company.

Your first call

Dental coverage in three steps.

Tell us what you need

Your dentist, upcoming work, and who in the household needs coverage.

We sort the routes

Dental inside a health plan, a separate Marketplace plan, or a stand-alone policy.

Compare the fine print

Waiting periods, yearly maximums, and whether your dentist is in network.

Book a 15-minute call

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What people say
about working with us.

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“Paul was very helpful in my search for business group insurance. He was able to explain my options and answer all the questions I had before signing up. Highly recommend working with him!”

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Before your next cleaning

Ask about the wait
before the crown.

If you already know you need a crown, a root canal, or braces, the waiting period and yearly maximum may matter more than the premium. A plan with a low price and a long wait may not pay for that work this year. Ask how the plan handles a tooth that was missing before you joined, too. After the call you will have:

Dental options side by side, with the waiting periods
Network status for your dentist
A note on adding vision coverage
The dates each plan could start

A checklist for

Choosing a dental plan.

Search your dentist in each plan's network list.
Find the waiting period for basic work, major work, and braces.
Write down the yearly maximum and the deductible.
Decide whether a dental-and-vision bundle saves you a second policy.

Dental questions

Dental insurance FAQ.

Is dental included in health insurance?

Usually not for adults. Adult dental isn't an essential health benefit, so health plans don't have to offer it, though some Marketplace plans include it. For children 18 and under, dental must be available with a Marketplace plan, either inside the plan or as a separate dental plan.

How much is dental insurance in Florida?

It depends on the plan, your age, your zip code, and who is covered. The premium is only part of the cost, so compare the deductible, the yearly maximum, and the waiting periods too. We can price options for your household on a short call.

Can I get dental and vision insurance together?

Yes. Many insurers sell dental and vision as a bundle outside the Marketplace. HealthCare.gov doesn't sell stand-alone vision plans, so a combined plan usually comes from an insurer or a broker. Our page on vision insurance in Florida explains the vision side.

Can I cancel a Marketplace dental plan and keep my health plan?

If the dental plan is separate, yes, any time. If dental is built into your health plan, you can't remove it, but you can change health plans during open enrollment or with a special enrollment period.

Do dental plans have waiting periods?

Many do. HealthCare.gov warns that separate dental plans can make adults wait before some services are covered, and you pay premiums during that time. Our guide to dental waiting periods walks through what to ask.

Can I buy dental insurance any time of year?

A dental plan bought directly from an insurance company, outside the Marketplace, can often be bought any time of year. Each company sets its own rules, start dates, and waiting periods. Dental plans sold on HealthCare.gov work differently: you can only buy one when you buy a Marketplace health plan at the same time, so that usually means open enrollment or a special enrollment period. As of October 28, 2026, under current law, open enrollment for 2027 plans on HealthCare.gov runs from November 1, 2026, to January 15, 2027. To start coverage January 1, pick a plan by December 15. States that run their own Marketplace may set different dates, so check with your state's Marketplace. A federal appeal about these rules is pending (City of Columbus v. Kennedy, 4th Cir. No. 26-1938), with oral argument set for October 30, 2026, so confirm the dates before you enroll.

Find a dental plan
your dentist takes.

Book a 15-minute call to compare dental coverage, or see quotes online.

Book a 15-minute call Get a quote online

By Paul Daniels, licensed insurance agent (NPN 20986580).

Disclaimer

Daniels Health Advisors LLC is an independent brokerage, not a carrier, HealthCare.gov, or CMS. Agent: Paul Daniels, NPN 20986580, Florida license G065122. This page explains dental coverage in general. Benefits, waiting periods, and yearly maximums vary by plan, so read the plan documents. Sign-up counts describe Florida as a whole, not your household. Tax credits, plans, networks, and prices depend on your state, zip code, income, and household. We never guarantee approval, a doctor, or a price. Not medical, legal, or tax advice.

Dental insurancein Florida.

Three places to getdental coverage.