2026 Calculator
Dental Insurance Calculator
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This estimate is based on projected 2026 data and industry averages. Actual premiums vary by insurer, location, and individual factors. Consult a licensed insurance agent for accurate quotes.
*Based on estimated 2026 projections. Data may not reflect real-time legislative changes.
FAQ
How much does dental insurance cost monthly in 2026?
As of 2026, the national average for individual dental insurance is $31.42 per month. However, this varies significantly by state: Alaska remains the most expensive at over $50/month, while West Virginia offers the lowest entry point at approximately $18/month.
What is the 100/80/50 dental insurance rule?
This is the standard coverage tiering for PPO plans. 100% covers preventive care (cleanings, X-rays). 80% covers basic procedures (fillings, extractions). 50% covers major work (crowns, root canals). Patients are responsible for the remaining percentage once their annual deductible is met.
How has the annual maximum changed in 2026?
Reflecting inflationary pressure on dental procedures, many 2026 institutional plans have increased their annual maximums from the traditional $1,500 to $2,500 or even $5,000. Some premium plans now offer 'rolling maximums' where unused benefits carry over.
Are dental implants covered by insurance in 2026?
Most 2026 PPO plans classify implants as 'Major Restorative,' meaning they are covered at 50% only after a 6-12 month waiting period. Many plans also have a lifetime maximum for implants or specific exclusions if the tooth was missing prior to coverage effective date.
What is the difference between a PPO and DHMO plan?
A PPO offers the freedom to see any dentist (with higher benefits for in-network providers), while a DHMO requires you to select a primary care dentist and does not cover out-of-network care. DHMOs are significantly cheaper ($10-$15/month) but offer less geographic and provider flexibility.
Does dental insurance have a Maximum Out-of-Pocket (MOOP)?
Unlike medical insurance, adult dental insurance rarely has a Maximum Out-of-Pocket limit. Once you exceed your 'Annual Maximum Benefit,' you are responsible for 100% of all costs. Only pediatric dental plans regulated by the ACA have a mandatory MOOP (typically around $375 per child).