That is a great question! You sound like many of the people who found themselves between a rock and a hard place when it came to health insurance. Employers don’t offer dental, because of its expense to them, and if you earn too much, CHIPS and Medicaid are unavailable. Did you look into the Affordable Care Act (Obamacare) exchange for the dental policies? The enrollment period is over, but go to the site http://www.healthcare.gov and walk through the steps to see if you can still qualify to get a plan. There’s a good chance that you qualify for a subsidy (hurry, before the Supreme Court decides on undoing them) to help pay for it. You can also find out whether you can get yourselves and the kids covered by the CHIPS or Medicaid programs. I walked through it using an example of 35 year old parents with two kids, and they qualified on earnings of $24,000 a year. The site is user friendly, and quick to tell you whether you qualify. If you need help, contact me and I’ll help you walk through it, okay? Good luck, and thanks for asking!