Obamacare forces them to drop many of their plans that don't meet the law's 10 minimum standards, including maternity care, emergency visits, mental health treatment and even pediatric dental care.
For those of you who are on corporate health plans and do not participate in the individual market, here is something that those of us who do so participate learn early: Unless you are really, really, really adverse to the smallest unpredictability in expenses, don't buy dental coverage.
The reason is that for the vast, vast majority of people, dental costs are entirely predictable. Let's say for the average person they are X per year. For most people, the costs don't vary very far from X. While certain dental procedures can be expensive (and remember, dental plans do not cover orthodonture), they are seldom if ever catastrophically expensive. Few people have been bankrupted by an insurable dental problem. This is particularly true in kids with pediatric dental care.
So for most people, dental insurance is just pre-paid care. All it does is add cost. There is no free lunch. The insurance company knows your costs are likely to be X. So they are going to charge you X + a markup. Actually, it is worse than this. Because I pay cash, I get a lower price from the dentist. So in fact with dental insurance you are paying X + dentist insurance markup + insurance company markup. All this does is add costs. I have happily paid my kids' dental costs out of pocket their entire life and have saved a fortune over what 18 years of pediatric dental care would have cost.
But now, courtesy of Obamacare, we are forced by law to buy this unnecessarily expensive product.