How Much Does Dental Insurance Cost in New York?
New York pricing is above the national average. Updated for 2026.
Dental Insurance Pricing in New York
In New York, the average cost for dental insurance is $46 per month, which is 32% higher than the national average of $35. Most New York residents pay between $20 and $79.
New York has a higher cost of living than most states, which translates to higher labor rates and material costs. Urban areas within New York may be even higher.
Dental insurance covers preventive care (cleanings, X-rays), basic procedures (fillings, extractions), and major procedures (crowns, bridges, root canals) at varying coverage levels.
New York vs National Average
What Affects Dental Insurance Cost in New York?
Plan Type
DHMO: $15-$25/month (limited network). PPO: $25-$60/month (more flexibility)
Coverage
Preventive: 100%. Basic (fillings): 70-80%. Major (crowns): 50%. Annual max: $1,000-$2,000
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💡 Tips to Save on Dental Insurance in New York
- 1.Preventive care is usually covered at 100% — use all your cleanings
- 2.Dental discount plans ($100-$200/year) can be cheaper than insurance for healthy teeth
- 3.If you need major work, buy insurance now — but note the 6-12 month waiting period
- 4.Max out your annual benefit before year-end if you need work done
📈 Dental Insurance in New York Cost Trends (2020–2024)
Prices have increased +17.9% over the last 5 years
| Year | National Avg | YoY Change |
|---|---|---|
| 2020 | $39 | — |
| 2021 | $41 | +5.1% |
| 2022 | $44 | +7.3% |
| 2023 | $45 | +2.3% |
| 2024 | $46 | +2.2% |
Based on national averages adjusted for annual inflation. Actual costs vary by location and project scope.
💬 What Did You Pay?
Real costs reported by homeowners for Dental Insurance in New York
Recent Reports
Frequently Asked Questions
Is dental insurance worth it?
If you use your two annual cleanings and need occasional fillings, insurance usually saves money. For major work, the annual maximum ($1,000-$2,000) limits the benefit.
Dental Insurance Cost in Other States
Related Cost Guides for New York
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