Best dental insurance plans of 2026.

A plain-English comparison of the dental insurance plans you can buy on your own — what they cost, what they actually cover, and which fits which household. Updated for 2026.

The Top 4

The plans worth considering.

Ranked by overall value for most households buying dental insurance on their own.

#1 Best Overall

RMO MyDental

No waiting period any tier, 100% preventive, annual maximums

Starting price$12/mo
Deductible$0
Waiting periodNone
Annual maximum$1,500–$6,000
OrthodontiaUp to $2,000

View MyDental plans →

#2 Best Network

Cigna

Strong PPO network, $100 deductible.

Starting price~$20–$35/mo
Deductible$100
Waiting period6 mo basic
Annual max$1,000–$3,000

MyDental vs Cigna →

#3 Big-Carrier Bundle

Humana

Bundles with vision/Medicare.

Starting price$20–$50/mo
Deductible$50–$150
PreventiveDay one
Annual max$1,000–$2,000

MyDental vs Humana →

#4 Largest Network

Delta Dental

Nearly every dentist takes it.

Starting price$25–$60/mo
Deductible$50–$100
NetworkLargest in US
Annual max$1,000–$3,000

MyDental vs Delta Dental →

Side by Side

The full comparison

Entry-plan pricing and terms for each provider, from public pages in 2026.

Feature	RMO MyDental	Cigna	Humana	Delta Dental
Starting premium	$12/mo	$20–$35/mo	$20–$50/mo	$25–$60/mo
Deductible	$0	$100	$50–$150	$50–$100
Waiting period	None	6 mo basic/major	Varies	Varies
Preventive	100%	100%	100%	100%
Annual maximum	$1,500–$6,000	$1,000–$3,000	$1,000–$2,000	$1,000–$3,000
Orthodontia	Up to $2,000	Limited	Limited	Plan-based
Implants	Covered (IV)	Varies	Varies	Varies

Competitor figures reflect public rate and benefit pages for individual self-purchase plans as of 2026 and vary by state, plan, and applicant. MyDental pricing requires an active RMO membership. Prices shown are starting rates; your final quote is provided upon completing an application.

Which One Should You Pick?

Match the plan to your situation.

You need major work soonCrowns, root canals, dentures

RMO MyDental II, III, or IV. No waiting period means major work is covered from day one, with annual maximums up to $6,000. See the tiers →

You want braces coveredChild or adult orthodontia

RMO MyDental III or IV. $1,000 child orthodontia on III, $2,000 adult + child on IV — a benefit most individual plans skip. Compare III and IV →

You see a specific dentistNetwork matters most

Check Delta Dental's network — it's the largest. If your dentist also takes MyDental, you'll usually pay less with the $0 deductible. MyDental vs Delta →

You just want cleanings coveredPreventive-first

RMO MyDental I ($12/mo). 100% preventive, $0 deductible, no waiting period — the lowest-cost way to keep checkups free. See MyDental I →

Disclosure. This page is general educational information and is not insurance advice, a recommendation, or an offer or solicitation of insurance. Insurance products are offered through RMO Insurance. All coverage is subject to the terms, conditions, limits, deductibles, and exclusions of the issued policy, and policy availability, eligibility, and pricing vary by state and by applicant. Nothing on this page modifies any policy or guarantees coverage — the issued policy governs. Learn more at RMO Insurance.