[madengr]

I work for Honeywell. They just dropped paying their share for dental insurance. It's now 100% employee paid, thus I dropped the insurance and just pay out of my HSA. The insurance makes no sense financially, short of having multiple teeth knocked out.

[ghaff]

I looked up mine. It's possibly a positive value for me if I were paying the whole amount. But, then, I probably have more dental care that the typical twenty something so I'm probably benefiting from the pool.

[madengr]

The only one that was worth it was a policy from Delta Dental. We went to sign up for it, and you were required to have a health plan through the ACA.

I have a wife and two kids. Three cleanings, a surface filling, and a sealant, was $800. This is our experiment going without dental insurance. We'll see how it goes this year.

Though I'm putting $600/month into the HSA since our health insurance through Honeywell sucks, and they have dropped dental. I'm waiting for them to drop health insurance.

[ghaff]

It's definitely marginal in most cases if your employer isn't paying in. It's not even like the annual max for most policies is all that high. It probably works out if you're getting semi-regular crowns or other work in that general vein on a semi-regular basis but it's hard to make the case in general.