All insurance is paying to reduce risk, which is why I said it would be borderline crazy to not have general health coverege - that’s a lot of risk. Dental insurance for the most part covers routine costs, not high risk scenarios. Things like oral cancer are covered by more general plans. So I think largely I agree that dental insurance is a racket. However, I’m sure it makes sense for at least some people so it’s hard to make a blanket statement that no one shoud have it.