If you qualify for a Special Enrollment Period, you can get dental coverage with your new health plan. Note: You canât buy a dental plan from the Marketplace unless youâre enrolling in a Marketplace health plan at the same time. Note: Under the health care law, most people must have health coverage or pay a fee. Dental coverage is optional, even for children. So you don't need it to avoid the penalty. In the Health Insurance Marketplace, you can get dental coverage 2 ways: as part of a health plan, or by itself through a separate, stand-alone dental plan.
Typical benefits for a $50,000 salaried employee include life insurance, which cost $150, and health coverage, which cost $2,000 to $3,000 for single persons and $6,000 to $7,200 for families, says Joseph Hadzima, Jr., a senior lecturer at MIT Sloan School of Management.
The employer offers a term life benefit of three times salary, to which the employee contributes $2.50 a month after-tax toward the cost. The employeeâs life insurance benefit is $114,000.