1. Buy a Standalone Dental Plan Through the Marketplace

You don’t need a job to get dental coverage. Healthcare.gov and state marketplaces offer standalone dental plans during open enrollment—or when you qualify for a special enrollment period. Plans usually cover cleanings, exams, and basic procedures, with options for major work like crowns or root canals. You can get individual or family coverage, and it’s a smart move if you want consistent care without massive out-of-pocket costs.

2. Go Directly Through Private Insurers

Big names like Delta Dental, Cigna, and Humana offer plans you can buy yourself—no employer required.