If you’ve been searching “how much are braces for kids,” you’re not alone. Cost is one of the first things parents think about when their child needs orthodontic care. 

I’ve seen how stressful it can be to go into a consultation without knowing what to expect. This guide breaks it all down for you. 

From average prices to insurance coverage, location-based costs, and real ways to save, it’s all here.

I’ll help you go in prepared, not surprised. You’ll know what questions to ask, what insurance typically covers, and how to budget smartly. 

How Much Are Braces for Kids on Average?

Most parents can expect to pay somewhere between $3,000 and $7,500 for kids’ braces. That’s a wide range, and for good reason. 

Every child’s teeth are different. Some kids need minor corrections. Others need longer, more involved treatment.

Age plays a role too. Starting treatment earlier often means shorter treatment time, which can lower the total cost. 

Many orthodontists recommend a first evaluation by age 7, even if braces aren’t needed right away. Catching issues early gives you more options and more time to plan.

The type of braces, the length of treatment, and where you live all affect the final price. Getting a few consultations before deciding is always a smart move.

Types of Braces and Their Prices for Kids

Knowing your options helps you make a smarter choice for your child and your budget.

Metal Braces Cost 

A reliable, budget-friendly option that works for most kids.

Metal braces are the most common choice for kids. They’re also the most affordable, usually ranging from $3,000 to $5,000. 

They work well for all types of corrections, including complex cases. Most kids do just fine with them, and they’re very effective.

Ceramic Braces Cost 

A less visible option that blends in with the teeth at a slightly higher cost.

Ceramic braces blend in with the teeth, making them less visible than metal. They typically cost between $4,000 and $8,000. 

They work just as well as metal braces but require a bit more care to avoid staining.

Lingual Braces Cost 

Placed behind the teeth, these braces stay completely out of sight.

Lingual braces are placed on the back side of the teeth, so they’re completely hidden from view. This comes at a higher price, often between $8,000 and $10,000. 

They’re less common for younger children but are an option for older kids and teens.

Clear Aligners (Invisalign) Cost 

A removable, nearly invisible option that works well for mild to moderate cases.

Invisalign for kids typically costs between $3,000 and $7,000. Kids can remove them to eat and brush, which many families love. 

However, they require discipline to wear consistently, usually 20 to 22 hours a day. Your orthodontist will help you decide if aligners are the right fit for your child.

How Much Are Braces for Kids With Insurance?

Understanding your coverage can save you thousands before treatment even begins.

What Dental Insurance Typically Covers

Most plans help with a portion of the cost, but there are limits to know about.

Many dental insurance plans cover between 25% and 50% of the total cost. Most also have a lifetime maximum between $1,000 and $2,000, which is the most they’ll pay out for orthodontic care.

How Much Are Braces for Kids With Insurance?

Your out-of-pocket cost depends on your plan, provider, and the type of braces chosen.

With insurance, most families pay between $1,500 and $4,500 out of pocket. Some plans only cover metal braces, so if you choose ceramic or aligners, you may pay the difference. 

Always read your plan carefully before deciding.

How Much Are Braces for Kids Without Insurance?

No coverage doesn’t mean no options. Here’s what to expect and how to manage the cost.

Full Cost Breakdown Without Coverage

Metal braces run from $3,000 to $5,000, ceramic up to $8,000, and clear aligners from $3,000 to $7,000.

Without insurance, you’re responsible for the full cost. Metal braces are the most affordable option for most cases. 

Ceramic and aligner costs go higher depending on the materials and treatment length. Lingual braces can reach $10,000 or more. The final price depends on your child’s case and how long treatment takes.

Ways to Reduce Braces Cost Without Insurance

Several practical options can help bring the cost down significantly.

Most orthodontists offer monthly payment plans over 12 to 24 months. FSA and HSA accounts let you use pre-tax dollars for orthodontic care. 

Dental schools often charge much less, with work done by supervised students. Discount dental membership plans can also help reduce out-of-pocket costs.

Are Braces Worth the Cost for Kids?

For most families, the answer is yes.

Braces do more than straighten teeth. They correct bite issues that can lead to chewing problems, jaw pain, and speech difficulties. 

Properly aligned teeth are also easier to clean, which lowers the risk of cavities and gum disease over time.

Beyond health, addressing alignment early can prevent more serious dental problems down the road that could cost far more to fix. The long-term value is hard to argue with.

Tips for Parents to Budget for Kids’ Braces

Planning ahead makes the whole process a lot less stressful. Here are five things to keep in mind.

• Ask about the full treatment cost upfront, including what’s covered if treatment takes longer than expected or if a bracket breaks.
• Find out if your orthodontist offers monthly payment plans, and how many months you have to spread the cost.
• Use FSA or HSA funds if you have them. These accounts let you pay for orthodontic care with pre-tax dollars, which saves money over time.
• Compare braces and Invisalign before deciding. Braces work for a wider range of cases and are often more affordable. Invisalign may suit older kids with milder issues.
• Plan for retainer costs after treatment ends. Retainers typically run between $150 and $600 per set, and some kids need them for several years.

Conclusion

Figuring out how much braces cost for kids can feel overwhelming at first, but it gets clearer once you know what to look for. 

Costs typically range from $3,000 to $7,500, and insurance can help bring that number down significantly. 

Getting an early evaluation is one of the best things you can do. It gives you time to plan and compare options. 

I always say, start with a consultation and go from there. Drop a comment if this helped, or share it with another parent who needs it.

Frequently Asked Questions 

How much are braces for kids with insurance?

With insurance, most families pay between $1,500 and $4,500 out of pocket. Coverage depends on your plan’s lifetime maximum and the type of braces chosen.

How much are braces for kids without insurance?

Without insurance, braces typically cost between $3,000 and $7,500. Payment plans, FSA/HSA funds, and dental schools can help make the cost more manageable.

How long do kids need to wear braces?

Most children wear braces for one to three years. The exact length depends on the severity of the dental issues and how well the child follows care instructions.

Are cheaper braces less effective?

Not necessarily. Metal braces are the most affordable option and are also highly effective for most cases. Cost reflects the type and materials, not the quality of results.

Can braces be paid monthly?

Yes. Most orthodontists offer monthly payment plans, often with little or no interest. Spreading payments over 12 to 24 months is a common and practical option for many families.