Best Low-Cost Dental Insurance Plans In 2025

I want to get dental insurance this year. Dental costs can add up quickly, and without coverage, even a routine visit can put a strain on your budget. There are affordable options designed to help you maintain a healthy smile without overspending. But with so many plans out there, which ones give you the best value in 2025? Let's break it down plan by plan.

Delta Dental

Delta Dental remains one of the most popular choices in 2025. It's known for its vast network of dentists and flexible coverage options.

One of its biggest strengths is that it offers both PPO and HMO-style plans, allowing you to choose the one that best fits your lifestyle. If you want the freedom to see any dentist, the PPO plan is ideal, though it costs a bit more. For those focused on lower premiums, the HMO option can be a very affordable choice.

Example: A basic DeltaCare plan can cost as low as $15 per month in some states, covering preventive care such as cleanings and X-rays with minimal to no out-of-pocket costs.

Delta Dental is especially strong for families because of its widespread acceptance—chances are your local dentist is in-network.

Humana

Humana is another insurer that stands out for budget-friendly dental coverage. Its Dental Preventive Plus plan is ideal if your primary concern is maintaining regular cleanings and exams. Preventive services are covered at 100% when you use in-network providers.

For those who want more, Humana's Loyalty Plus plan gradually increases coverage the longer you stay enrolled. In year one, primary services may only be partially covered, but by year three, coverage percentages are higher—making it a good long-term option.

Monthly premiums for Humana’s basic plans often start under $20. It’s a good choice for singles, retirees, or anyone who wants coverage that improves over time.

Aetna

Aetna, now part of CVS Health, continues to provide affordable dental insurance with a strong online support system. In 2025, Aetna offers PPO plans that focus on preventive care at no cost when you stick to their network.

One of Aetna's highlights is its bundled packages. If you already have health insurance through Aetna, adding dental can lower your combined costs. Another perk is access to discounts on services such as orthodontics, teeth whitening, and even vision care if you opt for a combo plan.

Basic premiums are generally between $20 and $25 monthly, making it a middle-ground option for those who want good coverage without going over budget.

Cigna

Cigna continues to appeal to individuals seeking affordable coverage with reliable benefits. Their Dental 1500 plan is one of the most popular in 2025. It covers routine checkups fully, while offering generous allowances for major work, such as crowns and root canals.

One significant benefit of Cigna is orthodontic coverage, which isn't always available in low-cost plans. That makes it appealing for families with teens or adults considering braces.

Premiums vary by state, but some basic plans start around $19 a month. Another advantage is that Cigna provides 24/7 customer support—helpful if you're sorting out bills or coverage questions outside of regular office hours.

Guardian

Guardian's dental plans are known for being straightforward and affordable. In 2025, Guardian continues to offer PPO coverage that includes 100% coverage for preventive services, such as exams and cleanings.

What makes Guardian attractive is its simple cost structure. Many of its entry-level plans feature low deductibles, so you don't have to worry about incurring significant costs before coverage takes effect.

Premiums for Guardian's most affordable options can be as low as $20 a month, and they offer firm individual plans, making them a good fit for freelancers, gig workers, or anyone without employer-provided benefits.

Spirit Dental

If waiting periods frustrate you, Spirit Dental is a worthy consideration. Unlike many insurers, Spirit's plans start covering primary services, such as fillings or crowns, immediately.

Each plan includes three cleanings a year, which is more generous than the standard two. It’s an advantage if your dentist recommends more frequent visits. Orthodontics are included in some policies, adding even more value.

Premiums typically start at around $30 a month, which is slightly higher than those of others on this list. However, for those who want coverage immediately, without waiting months for benefits, it may be worth the price.

Unitedhealthcare

UnitedHealthcare remains a strong player in 2025, particularly for individuals who already utilise their medical plans. Their dental insurance is widely accepted and offers a variety of options, ranging from basic preventive plans to more comprehensive coverage.

A standout option is the Dental Primary plan, which keeps premiums affordable—often in the $20 to $25 range—while covering routine care fully. They also offer access to an extensive network, making it easy to find a dentist in-network wherever you are.

UnitedHealthcare is also strong in digital tools. You can use their app to track claims, check costs, and schedule care, which adds convenience.

Ameritas

Ameritas may not be as well-known as some big names, but it offers competitive, low-cost dental insurance. One of the key benefits is the way their plans cover preventive care immediately, with no waiting period.

Ameritas also has flexible annual maximums. Depending on the plan, your coverage may increase after the first year, providing you with additional financial protection for more extensive procedures in the future.

Premiums often start at $18 to $25, making them accessible for many individuals. They also include perks like discounts on LASIK eye surgery, which adds extra value.

How To Choose The Right Low-Cost Dental Plan?

When comparing dental insurance, the “cheapest” option isn’t always the best for your needs. Here are a few things to think about:

•                  Network Size: Make sure your preferred dentist is included.
•                  Waiting Periods: Some plans require you to wait months before coverage for significant work.
•                  Annual Maximums: This is the most the plan will pay in a year. A low premium plan may have a low yearly maximum, so balance cost with coverage.
•                  Preventive Coverage: Most affordable plans cover cleanings and exams fully—take advantage of this.

Finding Affordable Coverage That Works

Low-cost dental insurance in 2025 isn't one-size-fits-all. If you want the most extensive network, Delta Dental is hard to beat. For long-term value, Humana's Loyalty Plus plan is a compelling option. Spirit Dental is well-suited if you need immediate primary coverage, while Cigna stands out for families requiring orthodontic benefits.

The right plan depends on your budget and dental needs, but one thing is sure—skipping insurance often costs more. Choosing one of these affordable options prepares you for routine care and unexpected dental work this year.