Dental coverage under the Federally Facilitated Marketplace

For almost a decade, two-thirds of individuals and families who qualify for subsidized health insurance under the Patient Protection and Affordable Care Act (ACA) have been shopping for coverage through the Federally Facilitated Marketplace (FFM). The FFM platform provides consumers at varying income levels with access to their states’ qualified health plan and qualified dental plan offerings. An understanding of the current dental benefits landscape provides health insurers, dental insurers, regulators, and lawmakers alike with the insight to identify areas of strength and gaps in coverage and market options.

Using publicly available data for the 2020 plan year, this paper by Milliman’s Joanne Fontana and Alexandra Dowe highlights the landscape of dental coverage availability in the 38 states with the FFM. The authors also discuss key points regarding the national landscape of child and adult benefits in the individual market and highlight a few considerations that affect the ability of consumers to access coverage and make informed choices about dental care.