Dental Insurance for the Unemployed and Self-Employed

Whether you're between jobs or running your own business, dental insurance is still accessible and often more affordable than people expect. Here's how to find coverage when you don't have an employer providing benefits.

If You're Unemployed

Losing a job triggers a special enrollment period for health insurance — but dental is different. Standalone dental plans can be purchased anytime, regardless of employment status. You don't need a qualifying event. You can apply today.

If your income dropped significantly, you may also qualify for Medicaid, which includes dental coverage in some states. Coverage varies by state — check your state's Medicaid program for details.

If You're Self-Employed

Self-employed individuals can purchase standalone dental plans directly through a carrier or broker at any time. As a self-employed person, you may also be able to deduct dental insurance premiums as a business expense — check with your tax advisor.

What to Look For

• No waiting period if you have immediate dental needs
• Annual maximum that covers your anticipated needs
• In-network access to your current dentist if possible
• Affordable monthly premium that fits your current budget

BenZen serves unemployed, self-employed, and independent clients across GA, FL, MD, VA, PA, and more. No employer required. Get covered today.