5 Best Dental Insurance Plans of 2026

Along with brushing and flossing, good dental insurance goes a long way towards keeping your teeth healthy. Since 2016, Money’s editorial team has spent thousands of hours researching and vetting the best dental insurance providers and coverage. We’ve evaluated the most comprehensive policies from top insurers, including Delta Dental, Guardian Direct and Spirit Dental.

Our top picks for dental insurance plans
Denali Dental – Best Overall
Delta Dental – Best for Braces
Spirit Dental – Best for Value
Ameritas – Best for No Waiting Periods
Guardian Direct – Best for Teeth Whitening

Why we chose it: We chose Denali Dental’s Summit PPO plan as our best overall, despite the company charging a somewhat higher premiums than our other top picks at $67.07 a month. Premiums are just one part of overall dental costs, and we found that Denali’s benefits justify its cost, especially over time.

Source: 5 Best Dental Insurance Plans of 2026 / Money.com

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