Dental coverage up to age 26

Fully insured groups
No. Fully insured dental plans administered by a stand-alone dental carrier like Delta Dental are “excepted benefits” and are therefore exempt from the ACA market reforms, including the requirement to offer dependent coverage up to age 26.

Self-funded groups
So long as your dental plan is not “integral” to your medical plan, you will not have to provide dependent coverage up to age 26. However, if your dental plan is integral to your medical coverage (see Question 3), the group may have to comply with the ACA’s market reforms, which includes a requirement that groups offer dependent coverage up to age 26.