Dental and Vision

Dental and vision are almost always separate from medical insurance. Annoying, but here's how to think about each.

Why they're separate

Historical and regulatory reasons — the ACA doesn't require adult dental and vision coverage as essential benefits, so most plans don't include them. You buy them standalone or as add-ons.

Is dental insurance worth it for young adults?

Run the math: standalone dental plans cost roughly $20–$40/month and typically cover two cleanings per year, X-rays, and a percentage of fillings. If you're going to get cleanings anyway, it usually breaks even. If you have any history of cavities or want orthodontic coverage, it's almost always worth it.

Vision is even simpler

Vision insurance is essentially a discount card: $5–$15/month, covers an annual eye exam and a chunk of glasses or contacts. If you wear corrective lenses, it pays for itself. If you don't, skip it and just pay cash for the exam every couple of years.