Are dental plans ACA-compliant?

No, dental plans are not qualified health plans under the terms of the ACA.

However, the Affordable Care Act (ACA) lists dental coverage as an essential health benefit for children under age 18.[1] This means if you purchase an ACA-compliant health insurance plan, dental coverage must be available for your child as either part of that plan or as a separate dental plan.

You also may use premium tax credits through Healthcare.gov to help pay for pediatric dental insurance premiums if your health insurance policy does not include dental coverage.[2]

The ACA does not consider dental coverage to be an essential health benefit for adults 18 and over, nor require insurers to offer adult dental coverage.[3]

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