Dental Insurance New Hampshire: Plans, Costs, and Providers

If you're a New Hampshire resident looking for dental insurance, you'll find a variety of plans and providers to choose from.

Delta Dental is one of the largest dental insurance providers in New Hampshire, offering a range of plans for individuals, families, and seniors.

Dental insurance plans in New Hampshire can be purchased through the Health Insurance Marketplace, with premiums varying depending on your age, income, and family size.

Delta Dental's Premier plan, for example, has a monthly premium of around $40 for an individual, with a maximum annual deductible of $50.

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The cost and pricing of dental insurance in New Hampshire can vary significantly. For adults who purchase their own stand-alone dental coverage through the exchange, premiums in 2025 range from about $13 to $62 per month.

The average cost of dental insurance in New Hampshire is $36 per month or about $435 per year, but this can be influenced by several factors, including your choice of dental benefits, tobacco usage, the number of people covered on your policy, and location.

Some dental insurance plans in New Hampshire can be quite affordable, with estimates ranging from $25 to $120 per month, depending on the provider and the level of coverage. Here's a breakdown of some sample price ranges for different dental insurance plans in New Hampshire:

Getting free quotes for dental insurance is a great way to compare rates and find an affordable plan. Many people would rather pay a small premium each month than face an expensive procedure without any financial assistance.

You can get free individual & family dental insurance quotes in New Hampshire by clicking on a button or link. Best of all, you can get covered in minutes.

To compare numerous quotes from multiple companies online, you can use independent comparison websites or provider websites. These websites offer detailed plan information and allow users to filter options based on their criteria.

Some popular online resources for comparing dental insurance plans include:

These online resources allow consumers to input their specific needs and preferences to identify plans that best suit their circumstances.

In New Hampshire, the cost of dental insurance varies greatly depending on several factors.

The average cost of dental insurance in New Hampshire is $36 per month or about $435 per year. However, this price can range from $13 to $62 per month for adults who purchase their own stand-alone dental coverage through the exchange.

Your location is a significant factor in determining the cost of dental insurance.

Coverage levels also play a crucial role in determining the cost of dental insurance. You can choose from several deductibles, co-pay, and yearly maximum options when purchasing a policy.

Dental health is another important factor that influences the cost of dental insurance. Maintaining good dental hygiene can help you avoid using your policy and coverage.

A policy's annual maximum is also a factor in determining the cost of dental insurance. This is the most your plan will pay out for coverage in a plan year.

Here are some estimated monthly premium ranges for different dental insurance plans in New Hampshire:

If you're shopping for dental insurance in New Hampshire, you'll want to know about the different types of plans available. There are several dental insurance policies to choose from.

DHMO (Dental Health Maintenance Organization) plans are a popular choice, often offering lower premiums in exchange for using dentists within the plan's provider network. If your dentist is already in-network, this could be an excellent choice.

PPO (Preferred Provider Organization) plans, on the other hand, offer more flexibility and the opportunity to pick a dentist you prefer, but they're typically the most expensive option.

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There are two main types of dental insurance plans in New Hampshire.

A DHMO (Dental Health Maintenance Organization) plan is a cost-effective option where you pay less on premiums but must use dentists in the plan's provider network.

In a DHMO plan, you don't need to worry about referrals for specialist care if your dentist is already in-network.

A PPO (Preferred Provider Organization) plan is typically the most expensive option, but it comes with more choice and the flexibility to pick a dentist you prefer.

With a PPO plan, you have the freedom to see specialists without needing a referral from your regular dentist.

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Stand-alone pediatric plans on the ACA exchange are a convenient option for families. These plans are available in New Hampshire's exchange, specifically on HealthCare.gov.

The good news is that these stand-alone plans comply with the ACA's pediatric dental coverage rules. This means out-of-pocket costs for pediatric dental care won't be more than $400 per child in 2024.

For families with multiple children, the out-of-pocket maximum is $800. And don't worry, there's no cap on medically necessary pediatric dental benefits. In 2025, these limits will increase to $425 and $850, respectively.

If you have a medical plan with embedded pediatric dental benefits, the out-of-pocket limits mentioned above don't apply. However, there's no limit on how much the plan will pay for pediatric dental care, since it's 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.

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If you're looking for reputable dental insurance providers in New Hampshire, you have several options to consider.

In New Hampshire, you can find stand-alone individual/family dental coverage through the health insurance marketplace, with three insurers offering this type of plan as of 2025: Anthem Blue Cross and Blue Shield, Northeast Delta Dental, and Renaissance Dental.

Some of the prominent companies offering dental insurance plans in New Hampshire include Delta Dental, Cigna Dental, Guardian Life Insurance Company, MetLife, and UnitedHealthcare. These providers offer a range of plans to meet diverse needs.

Here's a list of some of the notable dental insurance providers in New Hampshire:

If you're looking for insurance providers that offer dental coverage through the marketplace, here's what you need to know.

Three insurers offer stand-alone individual/family dental coverage through the health insurance marketplace in New Hampshire.

These insurers are Anthem Blue Cross and Blue Shield, Northeast Delta Dental, and Renaissance Dental.

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You can purchase this coverage through HealthCare.gov during open enrollment, which typically takes place from November 1 to January 15.

Alternatively, you can also purchase coverage during a special enrollment period triggered by a qualifying life event.

Here are the insurers offering dental coverage through the marketplace in New Hampshire:

Keep in mind that plans from these insurers may not be offered in all areas.

Delta Dental is a major national provider with a significant presence in New Hampshire, offering a range of plans to meet diverse needs.

Cigna Dental is another large national insurer offering various dental insurance options throughout New Hampshire.

Guardian Life Insurance Company provides dental coverage as part of broader insurance packages, often available through employers.

MetLife is a well-established insurer with dental insurance options available in New Hampshire, frequently offered through employer-sponsored plans.

UnitedHealthcare is a major healthcare provider offering dental insurance plans as part of their comprehensive health solutions.

Some of the prominent dental insurance providers in New Hampshire include: