Buying dental insurance on your own involves choosing between private plans purchased directly from carriers or through a government marketplace. Individual plans typically cost between . 1. Identify Where to Buy

: Providers like Cigna Healthcare , Humana , and Spirit Dental allow you to buy plans directly on their websites.

The "best" plan depends on whether you value lower monthly costs or the freedom to choose your own dentist.

You can purchase individual dental insurance at any time of the year; you do not have to wait for a specific enrollment period unless buying through a government exchange.

: Groups like AARP or other professional associations often offer group-rate plans to their members. 2. Choose the Plan Type