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Dental insurance for self-employed Michiganders
Working for yourself means buying your own dental coverage. Here’s what’s available in Michigan, what it costs and how it fits with your health plan and taxes.
Your info goes to Nexus only and is never sold. Not to a call center, not to a list of “partners.”
- Dental-only or with a health plan
- 2026 prices from CMS
- Tax-deduction basics
Get dental options
Your info goes to Nexus only. Never sold. No pitch, no obligation.
Your dental options when you work for yourself
- Add dental to a Marketplace plan. Pick a stand-alone dental plan when you enroll in a health plan on HealthCare.gov.
- Buy dental-only. Already have medical coverage, maybe through a spouse? Insurers sell dental plans directly.
- Hire employees? Group dental may open up. See small-business benefits.
2026 Michigan Marketplace dental at a glance
- 37 stand-alone dental plans from 10 companies were sold on HealthCare.gov in Michigan, with 25–37 available in any one county.
- Adult premiums at age 40 ran from $10.06 to $42.59 a month. Child premiums started at $12.00.
- 11 of 37 didn’t cover major adult dental care (like crowns or bridges), and only 4 listed adult orthodontia.
- Only 8 of 116 Michigan medical plans included adult dental, so most adults who want dental add a separate plan.
Source: CMS QHP Landscape Individual Market Dental and Medical files, plan year 2026, Michigan. 2027 dental plans aren’t published yet.
Dental premiums and your taxes
If you have net self-employment earnings, the self-employed health insurance deduction (IRS Form 7206) generally covers premiums for medical and dental insurance for you, your spouse and dependents. Rules apply, including that you can’t take it for months you could join an employer plan. [IRS Form 7206 instructions]
General information, not tax advice. Check with your tax professional.
Compare dental plansNeed the health plan too?
Your 2027 health plan and premium tax credit depend on expected net income. See health insurance for the self-employed and ACA subsidies for 2027. Want everyday care by text for a flat monthly price? See virtual primary care.
- November 1, 2026Open Enrollment for 2027 starts.
- December 15, 2026Enroll by this date for coverage starting January 1, 2027.
- January 15, 2027Open Enrollment ends; plans picked Dec 16–Jan 15 start February 1.
Source: HealthCare.gov.
Frequently asked questions
Can self-employed people deduct dental insurance?
Generally yes. The self-employed health insurance deduction on IRS Form 7206 covers medical and dental insurance premiums for you, your spouse and dependents if you have net self-employment earnings and other rules are met. Ask your tax professional.
Do I need a health plan to buy dental insurance?
Only on HealthCare.gov. Insurers also sell dental-only plans directly, with no health plan needed.
How much does dental cost for one adult in Michigan?
In the 2026 CMS file, Michigan Marketplace dental premiums for a 40-year-old ranged from about $10.06 to $42.59 a month.
Will you sell my information?
No. Your information goes to Nexus Benefit Solutions only and is never sold.