Yes, self-employed individuals can purchase individual dental insurance, join group plans through associations, or use dental discount plans.
Best options include individual PPO plans from Delta Dental, Cigna, or Guardian; association group plans; Health Insurance Marketplace dental; or dental discount plans.
Individual dental plans for self-employed typically cost $20-$60 per month. Group association plans may offer better rates for similar coverage.
Yes, self-employed individuals can deduct dental insurance premiums as a business expense if they are not eligible for employer-sponsored coverage.
Yes, dental plans are available through Healthcare.gov marketplace. Standalone dental plans and health plans with dental coverage are offered.
Many associations offer group dental including Freelancers Union, NASE, professional trade groups, and local chambers of commerce.
Consider insurance if you expect dental work, have family members needing coverage, or want predictable costs. Cash pay with discount plans may work for basic needs.
Individual plans typically have 6-12 month waiting periods for basic care and 12-24 months for major work. Some plans offer buyout options.
Dental expenses exceeding 7.5% of AGI may be deductible as medical expenses. Insurance premiums are separately deductible for self-employed.
Dental discount plans ($8-20/month) are cheapest. For insurance, DHMO plans offer lowest premiums. Consider HSA-compatible plans for tax benefits.