If you don’t have dental insurance, you’re not alone. According to the 2024 State of Oral Health Equity in America survey, about 27 percent of U.S. adults—approximately 72 million people—do not have dental insurance. Before we talk about affordable ways to get dental care, let’s talk about why it’s important to have it.
Do I really need dental insurance?
Regular dental care is essential because it helps prevent small, manageable issues from developing into serious and costly health problems. Routine exams and cleanings remove plaque and tartar that daily brushing and flossing cannot fully address, reducing the risk of cavities, gum disease, and tooth loss. Dentists can also identify early signs of problems such as decay, infections, or bite issues before they cause pain or require complex treatment. Preventive care is generally the most affordable and least invasive way to maintain oral health over time.
Beyond protecting teeth and gums, regular dental care plays an important role in overall health. Poor oral health has been linked to systemic conditions such as heart disease, diabetes complications, and respiratory infections. Gum disease, in particular, is associated with chronic inflammation that can affect the rest of the body. Dental visits also allow for oral cancer screenings and the monitoring of changes in the mouth that may signal broader health concerns.
Consistent dental care supports quality of life as well. Healthy teeth and gums make it easier to eat a balanced diet, speak clearly, and feel confident in social and professional settings. By maintaining regular checkups and cleanings, individuals can preserve their oral health, avoid unnecessary discomfort, and reduce long-term healthcare costs while supporting their overall well-being.
With all that said, let’s investigate some ways you can get affordable dental care.
Free dental care
Yes, it exists. Many states offer free or low-cost dental care to those who are low-income, elderly or disabled. A great resource to learn more about free dental care in your area is the United Way. Give them a call to learn more about their programs and eligibility requirements. If they are unable to help, ask them for names of other local organizations that may be able to help. If you do not qualify for free dental services, there are still other affordable dental care options available.
Group plan or private dental insurance
Before you look for alternatives to dental insurance, check your options. Professional, civic, and membership-based groups often negotiate group dental plans for their members, leveraging collective buying power to secure lower premiums or broader access.
One common source is business and trade organizations, including local and regional Chamber of Commerce groups. Chambers frequently offer group health and dental insurance options to small businesses, sole proprietors, and independent contractors who may not otherwise have access to employer-sponsored coverage. Similarly, industry associations, trade unions, and professional societies (such as those for real estate agents, writers, engineers, or healthcare professionals) may offer dental insurance as part of their member benefits.
Other organizations that may offer dental insurance include alumni associations, unions, and large membership organizations such as AARP, which provides access to dental plans for adults age 50 and older. Some faith-based organizations, cooperatives, and credit unions also partner with insurers to offer dental coverage to members.
Or you can purchase your own dental insurance, more affordably than you might think, from trusted providers like Aetna. As an example, an Aetna Dental® Direct Preferred PPO, costs about $400+ a year (billed at only $33.91 a month) and covers preventive care at 100% (no out of pocket cost to you) as well as basic services (80%) with in-network providers (after deductible) and major services (50%) up to $1,250 per covered person.
Look into Marketplace dental insurance
Healthcare.gov is the federal Health Insurance Marketplace – some states manage their own ACA plans. This is where you can shop and compare health, vision and dental plans that are available to you through the Affordable Care Act. To get dental insurance on the Marketplace, you will either need to sign up for a health plan that also covers dental or add dental insurance to your chosen Marketplace health plan.
The amount you will pay for health coverage is based on several factors including, but not limited to:
- Where you live
- Your age
- If you have dependents
- If you are pregnant
- Expected household income
- If you qualify for exemptions or assistance
Check out healthcare.gov and “Get Coverage” to find what the cost of dental insurance would be for you.
Dental savings plans
Dental savings plans, such as Aetna Vital Savings℠, cost about $150 a year. With it, you can save anywhere from 15% to 50% off the cost of virtually all dental procedures at more than 285,583 dental practice locations nationwide. Dental savings plans have no annual spending limit, so can use your plan as often as needed. Aetna Vital Savings also includes savings on other health care services, such as prescriptions, vision and hearing care and products – even virtual dental care!
Get affordable dental care
Spend some time researching the options we have covered to see which best meets your needs. The important thing is that you get dental care sooner than later. It is time and money well spent – your smile and your health are priceless.