When you’re self-employed, you cover 100% of your health expenses, including dental care. Unlike employees with employer-sponsored benefits, freelancers, contractors, and business owners must carefully evaluate monthly dental insurance costs and overall value.
Dental insurance pricing can vary widely based on plan type, coverage level, and location. Knowing the real monthly cost of dental insurance for self-employed individuals helps you avoid overpaying and choose coverage that truly protects your budget.
In this guide, you’ll find average monthly costs, a breakdown by plan type, cost factors, and tips to decide whether dental insurance is worth it for you.
How Much Does Dental Insurance Cost Per Month for Self-Employed?
Quick Answer: Self-employed dental insurance costs between $20 and $60 per month, depending on plan type, coverage level, and location.
For self-employed individuals in the U.S., dental insurance typically costs between $20 and $60 per month. Basic plans are more affordable, while comprehensive plans with major procedure coverage cost more. Prices depend on plan type, coverage level, and state of residence.
Average Dental Insurance Costs in the U.S.
Most self-employed individuals can expect the following monthly cost ranges:
These are national averages. Actual prices vary by insurer, network, and state.
What Factors Affect Dental Insurance Costs?
Several key factors determine how much you’ll pay each month for dental coverage.
Plan Type
Coverage Level
Location
Dental insurance premiums vary by state and region due to local provider costs and network availability.
Waiting Periods
Plans with shorter or no waiting periods for major procedures often come with higher monthly premiums.
Cost Comparison by Plan Type
PPO Dental Plans
HMO Dental Plans
Dental Discount Plans
Is Dental Insurance Affordable for Self-Employed Individuals?
Dental insurance is often worth the cost if you:
However, if you rarely visit the dentist and have good oral health, paying out of pocket or using a discount plan may be more cost-effective.
Dental Insurance vs Paying Out of Pocket
| Expense Type | Average Cost Without Insurance |
|---|---|
| Cleaning + Exam | $150–$300 |
| Filling | $200–$400 |
| Crown | $1,000–$1,500 |
| Root Canal | $900–$1,600 |
Even with premiums and annual limits, dental insurance can significantly reduce out-of-pocket costs for major procedures.
FAQs About Dental Insurance Costs
Final Thoughts
For self-employed individuals, dental insurance generally costs $20–$60 per month. The best plan depends on your dental needs, risk tolerance, and desire for predictable expenses.
If you expect dental treatments or value peace of mind, dental insurance can be a smart investment.
This article is for informational purposes only and does not constitute professional insurance or financial advice. Coverage and costs vary by provider and location.
