Some insurance subscribers have found it confusing to have dental benefits embedded in health insurance plans, and some with high-deductible health plans may question whether they can afford needed care, benefits experts say. The Affordable Care Act was meant to widen access to services, including oral health care, but enrollment in stand-alone plans was lower than expected, and family coverage was split as pediatric dental benefits were singled out as required. More dental carriers offering plans on private insurance exchanges might allow employers to offer more robust benefits and give employees more coverage options.

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