Dental insurance: AI Market Discovery Index

Tracking how AI platforms recommend dental insurance. This public AI Market Discovery Index is updated monthly since May 2026.

Mark Huntley, J.D.
By Mark Huntley, J.D.Growth Strategist & AI Discovery Analyst
5 minutes read

Benchmark Summary

Spirit Dental leads valid recommendation coverage in August 2026 at 81.2%, up from 21.8% in the May 2026 baseline, with a 2.0 percentage point lead over Delta Dental, which reached 79.2% in August 2026, up from 25.1% in May 2026. The largest coverage gain since the May 2026 baseline came from Spirit Dental, rising 59.4 points. The largest coverage decline since the May 2026 baseline was Humana, which moved from 40.8% in May 2026 to no qualified observations in August 2026.

Since the May 2026 baseline, the category shows mixed movement: five brands are significant risers while five brands are significant decliners. The tracked company set narrowed from 10 brands with qualified observations in May 2026 to 5 brands with qualified observations in August 2026. Month over month between July 2026 and August 2026, only Denali Dental posted a significant gain, rising 6.0 points; the remaining tracked brands were stable versus the prior month.

The August 2026 benchmark month began with 800 prompt-surface observations and produced 725 qualified observations after qualification.

AI recommendation trend

valid recommendation coverage, May 2026 to Aug 2026

0%25%50%75%100%May 2026Jul 2026Aug 2026
  • Spirit Dental81.2%
  • Delta Dental79.2%
  • Denali Dental52.4%
  • Guardian Direct26.3%
  • DentaQuest1.5%
  • Aetna0.0%
  • Ameritas0.0%
  • Cigna0.0%
  • Humana0.0%
  • UnitedHealthcare0.0%

Current Benchmark at a Glance

Measure

May 2026

August 2026

Movement

Qualified benchmark observations

1804

725

Down 1079

Tracked brands

10

5

Down 5

Qualified surface breadth

6

6

No change

Recommendation-shaped answer share

27.5%

38.5%

Up 11.0 points

Valid recommendation shortlist share

56.5%

83.9%

Up 27.4 points

Leader by valid recommendation coverage

Humana

Spirit Dental

Changed

Qualified surface breadth refers to the number of canonical AI surface families with at least one qualified observation. The six families are ChatGPT, Copilot, Gemini, Perplexity, AI Overviews, and AI Mode. Breadth held at six across both months.

For the strategic interpretation of this benchmark, read CiteWorks Studio's analysis of How AI Search Is Recommending Dental insurance

Research Scope and Qualification

The public benchmark is narrower than the raw collection universe by design.

Research stage

May 2026

August 2026

What it represents

Source prompt-surface observations

Not collected in this format

800

Total prompt-surface observations collected

Unique questions

Not collected in this format

502

Distinct questions represented

Brand / competitor mentions

Not collected in this format

800

Prompts mentioning at least one tracked brand

Relevant observations

Not collected in this format

788

Observations relevant to the vertical

Irrelevant observations

Not collected in this format

12

Observations deemed irrelevant

Qualified benchmark observations

1804

725

Public denominator for brand metrics

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Brand-level percentages use the qualified observations as the public denominator, not the raw collection. See the AI Market Discovery Methodology for the full qualification process.

Current Brand Standings

Brand

Presence rate

Valid recommendation coverage

Top-three rate

Rank-one rate

Net sentiment

Spirit Dental

93.0%

81.2%

64.7%

18.8%

0.9

Delta Dental

97.2%

79.2%

64.0%

30.9%

0.9

Denali Dental

55.7%

52.4%

41.5%

20.0%

1.0

Guardian Direct

31.9%

26.3%

9.2%

0.7%

0.9

DentaQuest

6.6%

1.5%

1.1%

1.0%

0.3

How to Read the Standings

  • Presence rate is the share of qualified observations where the brand is mentioned at all.
  • Valid recommendation coverage is the share of qualified observations where the brand appears in a valid recommendation shortlist.
  • Top-three rate is the share of qualified observations where the brand appears in the first three positions of a recommendation list.
  • Rank-one rate is the share of qualified observations where the brand is the first recommendation.
  • Net sentiment reflects the balance of positive versus negative mentions, from 0 to 1.

For formulas and denominator rules, see AI Market Discovery Metric Definitions.

Recommendation Coverage Movement

Brand

May 2026

August 2026

Movement since baseline

Aetna

32.0%

0.0%

Down 32.0 points

Ameritas

17.2%

0.0%

Down 17.2 points

Cigna

35.5%

0.0%

Down 35.5 points

Delta Dental

25.1%

79.2%

Up 54.1 points

Denali Dental

10.8%

52.4%

Up 41.6 points

DentaQuest

0.3%

1.5%

Up 1.2 points

Guardian Direct

9.4%

26.3%

Up 16.9 points

Humana

40.8%

0.0%

Down 40.8 points

Spirit Dental

21.8%

81.2%

Up 59.4 points

UnitedHealthcare

33.7%

0.0%

Down 33.7 points

Between July 2026 and August 2026, Denali Dental gained 6.0 points, moving from 46.4% to 52.4%, a move beyond normal month-to-month variation. Other prior-to-current moves were within normal variation.

Largest Increase: Spirit Dental

Spirit Dental rose from 21.8% valid recommendation coverage in May 2026 to 81.2% in August 2026, an increase of 59.4 points. This brand has increased in each of the two months since May 2026.

Largest Decline: Humana

Humana fell from 40.8% valid recommendation coverage in May 2026 to no qualified observations in August 2026. Aetna, Ameritas, Cigna, Humana, and UnitedHealthcare all moved to zero qualified observations as the qualified observation set changed.

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Category Leader: Spirit Dental

Spirit Dental leads valid recommendation coverage at 81.2% in August 2026. Delta Dental follows at 79.2%, a gap of just 2.0 percentage points.

Recommendation Placement Snapshot

Coverage shows whether a brand is recommended at all, while placement shows how prominently. Among the two leaders, first-position rates differ meaningfully in August 2026.

Brand

August 2026 top-three rate

August 2026 rank-one rate

May 2026 top-three rate

May 2026 rank-one rate

Spirit Dental

64.7%

18.8%

15.0%

4.5%

Delta Dental

64.0%

30.9%

20.9%

13.0%

Delta Dental and Spirit Dental show nearly identical top-three rates in August 2026, yet Delta Dental holds first position in 30.9% of qualified observations versus 18.8% for Spirit Dental. Close coverage can still hide markedly different first-position rates.

Buyer-Intent Distribution

All qualified observations in August 2026 fell into the Brand Recommendation class.

Buyer-intent class

May 2026

August 2026

Brand Recommendation

1150

725

Pricing & Value

201

0

Multi-Brand Comparison

453

0

Total qualified observations

1804

725

The current public series measures Brand Recommendation discovery only. It does not yet contain qualified observations in the Pricing & Value or Multi-Brand Comparison classes for August 2026.

Historical Measurement Record

Measurement

Qualified observations

Coverage leader

Leader coverage

Largest coverage movement

May 2026

1804

Humana

40.8%

N/A (baseline)

July 2026

692

Spirit Dental

80.3%

Spirit Dental, up 58.5 points

August 2026

725

Spirit Dental

81.2%

Spirit Dental, up 0.9 points versus prior

Evidence and Source Layer

This benchmark is built from prompt-level observations that retain the query, AI/search surface, answer, brand outcome, recommendation placement, sentiment, and, where exposed, citations or attributable evidence sources. Source presence is evidence about the information environment. It is not automatically proof that the source caused the recommendation.

Scope Boundaries

This public benchmark does not measure market share, attributable sales, every possible AI response, organic-search ranking, social mention volume, or private and sponsored channels. A movement in a single metric does not by itself establish causality.

About This Benchmark

The LLM Authority Index AI Market Discovery Index tracks how AI chat and search surfaces recommend brands within a category. It measures presence, recommendation coverage, placement, and sentiment across six canonical AI surface families. Research links:

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The public industry benchmark shows category-level standings. A company-level Authority Index can go deeper. The public percentage cannot identify the prompts, competitors, or sources causing the result.

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The paid deep-dive adds competitor threat profiles, the gap matrix, citation failure map, platform-by-platform recovery roadmap, and client-specific economic modeling.