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Enrollment begins in November, but rules and deadlines can vary by state. Confirm the dates and details for your state’s Special Enrollment Period (SEP).

Explore affordable exchange marketplace dental insurance plans

Find the right dental plan for you

Already enrolled?

Check out our dental insurance exchange member resources.

Explore plans in your state

Get quality care you expect, at a good value, with the dentist who’s right for you. Delta Dental offers dental plans through healthcare.gov and state health care exchanges. Select your state to explore Delta Dental’s affordable, easy-to-use coverage options.

View the transparency in coverage information to learn more about the dental benefits we offer

  • When to enroll in an exchange marketplace dental plan

    ACA (Affordable Care Act) Open Enrollment for exchange marketplace dental plans happens once a year, and enrollment dates can vary. Open Enrollment usually begins on November 1. In most cases, you must enroll by December 15 for exchange marketplace dental coverage to start on January 1.

    If you experience a qualifying life event—such as getting married, having a baby, or losing other health or dental coverage—you may be eligible to enroll in an exchange marketplace dental plan during a Special Enrollment Period (SEP).

    Enrollment rules and deadlines can vary by state and situation, so be sure to visit healthcare.gov to check your exchange marketplace and confirm current Open Enrollment and SEP dates for your location.

    Find your plan

    Shop for dental plans on healthcare.gov or your state exchange website in California, District of Columbia,, Georgia, Maryland, Nevada, New York and Pennsylvania. Note that most exchanges require you to enroll in a medical plan before you can get a dental plan.

    Are you a business owner?

    Learn more about ACA-compliant plans for small businesses.

FAQs

Find the right dental plan

We can help make choosing the right dental plan for yourself and your family a breeze.

Simply visit healthcare.gov for your state's exchange website (e.g., Covered California) to view the dental plan options available to you and choose a plan.

Delta Dental offers ACA-compliant dental plans in 15 states, plus DC, including pediatric-only plans and options for families.

Plans on the Health Care Exchange Marketplace are categorized as high coverage and low coverage. A high coverage plan means you’ll pay a little more each month (in premiums), but you’ll owe the dentist less for covered services (and more may be covered, depending on your plan). With a low coverage plan, you’ll pay a little less each month (in premiums), but you’ll owe the dentist more for covered services.

Beyond offering you high and low dental coverage options for children and families, you can also choose between a PPO and copay plan.

Delta Dental PPO™¹

  • Our coinsurance plan shares your costs for covered services.
  • After you meet your annual deductible, Delta Dental pays a percentage of your bill and you pay the rest.
  • You can visit any dentist, but you’ll save the most with a Delta Dental PPO dentist.
  • Children can use their benefits immediately — adults may have a waiting period for Major Services.


DeltaCare® USA¹

  • Our copay plan works like a dental HMO.
  • You must visit your selected DeltaCare USA dentist to receive benefits.
  • When you visit the dentist, just pay your predefined copayment and you’re all set.
  • You’ll know all copayments up front, so you can plan ahead for treatment costs.
  • Use your benefits right away — there’s no waiting period on children or adult services.

In most states, open enrollment for individual plans on the Health Care Exchange Marketplace starts on November 1 to obtain dental insurance for the new year. Check healthcare.gov for exact open enrollment dates for your state.

If you’re already a Delta Dental member, you should be set with your current group coverage. For questions about your employer plan, reach out to your company’s benefits representative.

If you already have individual dental coverage, you can keep your current coverage or you can explore our plans on healthcare.gov.

Yes.

Most exchanges require you to enroll in a medical plan before you can get a dental plan, but rules vary by state. Please refer to healthcare.gov for exact information on buying stand-alone dental coverage in your state.

Eligibility for ACA subsidies depends on your income, household size and whether you have access to other coverage. To see if you qualify and estimate savings for 2026, visit healthcare.gov, which will walk you through eligibility and available financial help.

Find or switch to a new dentist

Enrollment rules and deadlines can vary by state and situation, so be sure to visit the healthcare.gov screener to check your exchange marketplace and confirm Special Enrollment Period (SEP) dates for your location.

If your current dentist is in-network for the plan type you selected, then you’re good to keep that dentist. If your dentist is not in-network, here’s how it works:

  • With a Delta Dental PPO plan, you can visit any licensed dentist to receive benefits. However, you’ll usually save the most when you visit a PPO network dentist because these dentists accept reduced fees for plan members.
  • If you have a DeltaCare USA plan, you must select a dentist in the DeltaCare USA network to receive benefits.

To find a network dentist by location, just use our Find a Dentist tool.

Select the network that corresponds to your plan and search. For a more targeted search, you can enter the name of your dentist or dental office.

¹ DeltaCare USA is underwritten in these states by these entities: CA — Delta Dental of California; DC, FL — Delta Dental Insurance Company; MD, TX — Alpha Dental Programs, Inc.; NV — Alpha Dental of Nevada, Inc.; UT — Alpha Dental of Utah, Inc.; NY — Delta Dental of New York, Inc.; PA — Delta Dental of Pennsylvania. Delta Dental Insurance Company acts as the DeltaCare USA administrator in all these states. These companies are financially responsible for their own products. The plan is a dental HMO in CA and TX.



Delta Dental PPO is underwritten by Delta Dental Insurance Company in AL, DC, FL, GA, LA, MS, MT, NV and UT and by not-for-profit dental service companies in these states: CA — Delta Dental of California; PA, MD — Delta Dental of Pennsylvania; NY — Delta Dental of New York, Inc.; DE — Delta Dental of Delaware, Inc.; WV — Delta Dental of West Virginia, Inc. In Texas, Delta Dental Insurance Company provides a Dental Provider Organization (DPO) plan.