Orlando Harmon
MNsure is Minnesota's health insurance marketplace, where individuals and families can shop, compare, and choose health insurance coverage that meets their needs. MNsure offers a range of medical and dental plans, and it is possible to have separate medical and dental insurance policies. For example, an individual may choose to purchase a stand-alone dental plan through MNsure, which is not included with their medical plan. The cost of health insurance through MNsure depends on factors such as location, household size, and income. Minnesota also has other programs, like MinnesotaCare, that provide dental coverage outside of MNsure for those who qualify.
| Characteristics | Values |
|---|---|
| Name | MNsure |
| Description | Minnesota's health insurance marketplace |
| Who is it for? | Individuals and families |
| What can you do? | Shop, compare and choose health insurance coverage |
| Cost of health insurance | Depends on where you live, household size, and income |
| Age requirement | 18 or older |
| Enrollment period | November 1 to January 15 |
| Special enrollment | Qualifying life event |
| Pediatric dental coverage | May be offset by premium tax credits |
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What You'll Learn
- Stand-alone dental plans are available on MNsure
- Medical plans with embedded pediatric dental benefits have no out-of-pocket maximum limits
- MinnesotaCare provides dental services to adults and children
- Some insurers offer stand-alone individual/family dental coverage
- Some medical plans include dental coverage
Stand-alone dental plans are available on MNsure
MNsure is Minnesota's health insurance marketplace where individuals and families can shop, compare, and choose health insurance coverage that meets their needs. The cost of health insurance depends on where you live, the number of people in your household, and your income. MNsure offers a range of medical and dental plans, and you can use their shop and compare tool to estimate costs and browse these plans before applying.
The cost of stand-alone dental plans through MNsure varies. For adults who purchase their own stand-alone dental coverage through the exchange in Minnesota, premiums in 2025 range from about $10 to $52 per month. If a family is purchasing coverage through the health insurance exchange, the premiums associated with pediatric dental coverage may or may not be offset by premium tax credits.
It is important to note that not all insurers that offer medical plans through the Minnesota exchange include pediatric dental coverage with their health plans. Therefore, it is recommended to review the full benefit summary of the plan before purchasing.
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Medical plans with embedded pediatric dental benefits have no out-of-pocket maximum limits
In Minnesota, MNsure is a state-run exchange for the sale of certified individual and family dental plans. It is important to note that not all insurers that offer medical plans through the Minnesota exchange include pediatric dental coverage with their health plans. However, stand-alone adult and family plans are available on the exchange.
If a medical plan has embedded pediatric dental benefits, the maximum out-of-pocket limits do not apply. This is because there is no limit on how much the plan will pay for pediatric dental care, as it is considered an essential health benefit. The specific coverage requirements for pediatric dental care are guided by the state's essential health benefits benchmark plan, which includes coverage for both basic and major dental services for children.
It is worth noting that adult and pediatric dental coverage is not automatically included with the medical plans from insurers who offer coverage through Minnesota's health insurance marketplace. In 2025, there are three insurers who offer stand-alone individual and family dental coverage through the health insurance marketplace in Minnesota. These plans can be purchased through MNsure during open enrollment or during a special enrollment period triggered by a qualifying life event.
While pediatric dental coverage is not mandatory, it is one of the ten essential health benefits that the Affordable Care Act has required on all individual and small group plans since 2014. This means that children are more likely to have dental coverage when health plans include it in their policies, as families do not need to purchase a separate dental plan.
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MinnesotaCare provides dental services to adults and children
MinnesotaCare is a Basic Health Plan that provides health coverage outside the exchange for low-income Minnesotans. It offers non-cosmetic and medically necessary dental services to both adults and children. For children who are not enrolled in a MinnesotaCare program, Minnesota's CHIP provides coverage to uninsured children and pregnant women with income above the eligibility limits for Medicaid.
MinnesotaCare's Bright Smiles Program is for children under the age of six. The program believes that an investment in these lives can shape the health of future generations. The program provides comprehensive dental services such as preventive, restorative, and emergency care.
MinnesotaCare's dental services for adults and children include clinical oral evaluations, diagnostic imaging, and some tests and examinations. It also covers dental prophylaxis, topical fluoride treatment, some preventive services, and space maintenance and maintainers. Additionally, MinnesotaCare covers some pre-surgical services, some implant-supported prosthetics, abutment-supported single crowns, fixed partial denture (FPD) retainers, and other implant services.
MinnesotaCare's dental services are subject to certain limitations and requirements. For example, the initial placement or replacement of a removable prosthesis is limited to once every three years per member, unless specific conditions are met. MinnesotaCare also requires prior authorization for certain dental services, and requests for authorization must be submitted electronically.
It is important to note that Minnesota also operates MNsure, a state-run exchange for the sale of certified individual/family dental plans. These plans can be purchased separately from medical plans and are available through MNsure during open enrollment or during special enrollment periods triggered by qualifying life events.
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Some insurers offer stand-alone individual/family dental coverage
In Minnesota, some insurers offer stand-alone individual/family dental coverage. These plans are not included with a medical plan and must be purchased separately. They can be purchased through MNsure, Minnesota's state-run exchange for the sale of certified individual/family dental plans, during open enrollment (November 1 to January 15) or during a special enrollment period triggered by a qualifying life event.
Stand-alone dental plans are also available directly from a variety of dental insurers in Minnesota. These plans are not subject to the ACA's essential health benefit rules for pediatric dental coverage but are regulated by the Minnesota Department of Commerce Licensing.
The cost of health insurance depends on where you live, how many people are in your household, and your income. When shopping for dental insurance, it is important to evaluate your individual needs, understand your budget, and look at the different kinds of dental plans available in your area and what is covered in each plan.
Some providers of stand-alone individual/family dental coverage include Delta Dental and Anthem. Delta Dental offers a range of plans, including PPO, Dental HMO, and discount dental plans, while Anthem provides coverage for preventive care and procedures like fillings, crowns, and root canals.
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Some medical plans include dental coverage
In Minnesota, some medical plans include dental coverage. Minnesota operates a state-run exchange called MNsure for the sale of certified individual/family dental plans. However, not all insurers that offer medical plans through the Minnesota exchange include pediatric dental coverage with their health plans. For instance, adult and pediatric dental coverage is not automatically included with the medical plans from insurers who offer coverage through Minnesota's health insurance marketplace.
There are three insurers that offer stand-alone individual/family dental coverage through the health insurance marketplace in Minnesota. These plans can be purchased through MNsure during open enrollment (November 1 to January 15) or during a special enrollment period triggered by a qualifying life event. These plans are exchange-certified and are compliant with the ACA's rules for pediatric dental coverage.
Some dental coverage and medical health insurance may overlap. Exclusions in your dental plan may be covered by your medical insurance. For example, Medicare can pay for dental services when they are inextricably linked to the clinical success of other Medicare-covered procedures or services.
Additionally, MinnesotaCare, a Basic Health Plan, provides non-cosmetic and medically necessary dental services to adults and children.
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Frequently asked questions
Yes, MNsure offers stand-alone dental plans that can be purchased separately from medical insurance.
Stand-alone dental plans can be purchased through MNsure during open enrollment (November 1 to January 15) or during a special enrollment period triggered by a qualifying life event.
Examples of stand-alone dental plans offered by MNsure include the Dentegra Dental PPO Family Basic Plan and the Delta Dental Bronze Plan.
Yes, MinnesotaCare is a Basic Health Plan that offers coverage for non-cosmetic and medically necessary dental services to adults and children. Minnesota's CHIP program also provides coverage for uninsured children and pregnant women with income above the eligibility limits for Medicaid.
Yes, some medical plans offered through MNsure include dental coverage. However, it is important to read the full benefit summary of the plan to understand the specific coverage and network restrictions.
