Dental insurance premiums may be considerably lower than health care premiums, for example, but that doesn’t mean they’re cheap. They start to look even more expensive once you understand how little value they can provide.
Dental insurance isn’t like other kinds of insurance. Yes, you pay a regular premium (and, often, co-pays or other expenses) and your insurance plan covers your initial dental bills. But most plans put low limits on the total expenses they’ll cover, usually just $1,000-2,000 per year.
If you need care that surpasses this cap, your plan stops paying and you’re on your own. Conversely, if you need only basic dental care, you’ll find you pay more in premiums than you get back.
This makes dental insurance the Goldilocks of insurance plans—it’s really only worth it if you need just the right amount of care.