2025 年牙科保險產業統計：成長、挑戰與機會

想像走進牙醫診所而不用擔心治療費用。對數百萬美國人來說，由於牙科保險，這已成為現實

The dental insurance industry in the United States is a vast and complex landscape, catering to the oral health needs of millions of Americans. As technology advances, demographics shift, and awareness about the link between oral and overall health grows, the industry is set to witness significant evolution in 2025.

美國的牙科保險行業廣闊而複雜，滿足了數百萬美國人的口腔健康需求。隨著技術進步、人口結構變化以及人們對口腔與整體健康之間聯繫的認識不斷增強，該行業將在 2025 年見證重大變革。

This article delves into the current statistics, trends, and insights that define the U.S. dental insurance industry. From market size and growth to coverage and procedure insights, we've covered a wide range of aspects to provide a comprehensive overview of the industry.

本文深入探討了定義美國牙科保險行業的當前統計數據、趨勢和見解。從市場規模和成長到覆蓋範圍和程序見解，我們涵蓋了廣泛的方面，以提供對該行業的全面概述。

Moreover, we've analyzed the key growth factors and challenges shaping the landscape, highlighting the opportunities and obstacles that dental insurance providers are navigating.

此外，我們還分析了塑造這一格局的關鍵成長因素和挑戰，並強調了牙科保險提供者正在應對的機會和障礙。

Finally, we conclude with a discussion of the industry's future direction and the role that dental insurance will play in the broader healthcare ecosystem.

最後，我們討論了行業的未來方向以及牙科保險將在更廣泛的醫療保健生態系統中發揮的作用。

Key Highlights: U.S. Dental Insurance Market

主要亮點：美國牙科保險市場

The dental insurance industry in the U.S. is valued at over $120 billion, catering to a vast pool of insured individuals. Despite the significant growth observed in recent years, the industry penetration remains relatively low, presenting an opportunity for further expansion.

美國的牙科保險業價值超過 1200 億美元，為大量受保人提供服務。儘管近年來成長顯著，但產業滲透率仍相對較低，並有進一步擴張的機會。

A vast majority of dental insurance policies in the U.S. are employer-sponsored, covering nearly 70% of the insured population. However, only about half of the working-age population in the country has dental insurance, indicating a need for broader coverage.

美國絕大多數牙科保險保單都是由雇主贊助的，涵蓋了近 70% 的受保人口。然而，該國祇有約一半的勞動年齡人口擁有牙科保險，這表明需要擴大覆蓋範圍。

The average annual premium for dental insurance in the U.S. is around $450, while the out-of-pocket expenses typically range between $1,000 and $2,000. These costs vary depending on the type of plan, coverage level, and state of residence.

美國牙科保險的平均年保費約為 450 美元，而自付費用通常在 1,000 至 2,000 美元之間。這些費用根據計劃類型、承保範圍和居住州而有所不同。

Common types of dental insurance plans in the U.S. include Preferred Provider Organization (PPO), Dental Health Maintenance Organization (DHMO), and indemnity plans. Each type offers varying levels of coverage and freedom in choosing dentists.

美國常見的牙科保險計劃類型包括首選醫療服務提供者組織 (PPO)、牙科健康維護組織 (DHMO) 和賠償計劃。每種類型都提供不同程度的覆蓋範圍和選擇牙醫的自由度。

Dental insurance coverage in the U.S. typically includes preventive services like checkups, cleanings, and X-rays, as well as basic restorative procedures like fillings and crowns. However, coverage for major procedures like implants or dentures may vary.

美國的牙科保險範圍通常包括檢查、清潔和 X 光等預防性服務，以及補牙和牙冠等基本修復程序。然而，植牙或假牙等主要手術的承保範圍可能會有所不同。

Technological advancements are reshaping the dental insurance industry, particularly in the areas of claims processing, fraud detection, and consumer engagement. Insurers are leveraging data analytics, artificial intelligence (AI), and mobile applications to enhance operational efficiency and improve the customer experience.

技術進步正在重塑牙科保險行業，特別是在索賠處理、詐欺檢測和消費者參與等領域。保險公司正在利用數據分析、人工智慧 (AI) 和行動應用程式來提高營運效率並改善客戶體驗。

The U.S. dental insurance industry is regulated at both the state and federal levels, with each state having the authority to set its own insurance mandates and standards. This regulatory landscape impacts the types of plans and coverage offered by insurers.

美國牙科保險業受到州和聯邦兩級監管，每個州都有權制定自己的保險規定和標準。這種監管環境影響保險公司提供的計劃類型和承保範圍。

Top Dental Insurance Providers in the U.S.

美國頂級牙科保險提供者

A handful of major dental insurance providers dominate the U.S. market, offering a diverse range of plans and coverage options. These providers include:

少數主要牙科保險公司主導美國市場，提供多種計劃和承保選項。這些提供者包括：

Delta Dental Plans Association: A not-for-profit organization that provides dental insurance coverage through its member companies in all 50 states. It is the largest dental insurer in the country.

Delta Dental Plans Association：一個非營利組織，透過其遍布 50 個州的會員公司提供牙科保險。它是該國最大的牙科保險公司。

Cigna Dental: A subsidiary of Cigna Corporation that offers dental insurance plans to individuals, families, and businesses through a network of dentists.

Cigna Dental：Cigna Corporation 的子公司，透過牙醫網絡向個人、家庭和企業提供牙科保險計劃。

UnitedHealthcare Dental: A dental insurance arm of UnitedHealth Group that provides coverage to individuals, families, and employer groups across the U.S.

UnitedHealthcare Dental：UnitedHealth Group 的牙科保險部門，為美國各地的個人、家庭和雇主團體提供保險

MetLife Dental: A dental insurance provider that offers plans to individuals, families, and employees through a network of dentists and specialists.

MetLife Dental：一家牙科保險提供商，透過牙醫和專家網絡向個人、家庭和員工提供計劃。

Guardian Dental: A dental insurance company that provides coverage to individuals, families, and employer groups through a network of dentists and oral health professionals.

Guardian Dental：一家牙科保險公司，透過牙醫和口腔健康專業人員網路為個人、家庭和雇主團體提供保險。

Together, these providers cover a significant portion of the dental insurance market in the U.S., offering a variety of plan options and benefits to meet the diverse needs of consumers.

這些提供者共同涵蓋了美國牙科保險市場的很大一部分，提供各種計劃選項和福利，以滿足消費者的多樣化需求。