Does the Marketplace cover dental and vision?
ACA Marketplace medical plans must cover pediatric dental and vision as essential health benefits, but adult dental and vision are typically sold as separate stand-alone dental plans on HealthCare.gov and are not part of the base medical plan, per HealthCare.gov (2026).
More on this topic: health insurance marketplace
What the government has said, on the record
Here's how a federal official described it, on the record:
“Pediatric services, including oral and vision care (but adult dental and vision coverage aren't essential health benefits).”
— Centers for Medicare & Medicaid Services (HealthCare.gov), Centers for Medicare & Medicaid Services (U.S. Department of Health & Human Services), HealthCare.gov, What Marketplace health insurance plans cover (essential health benefits) (source)
Editor's note: From official HealthCare.gov (CMS) consumer guidance. Confirm current details at HealthCare.gov.
Who said this
Centers for Medicare & Medicaid Services (HealthCare.gov) · Centers for Medicare & Medicaid Services (U.S. Department of Health & Human Services)
Also asked as
- Is dental included in ACA?
Sources
Last verified: 2026-07-19