Swedish Dental Care Cost & Subsidy Calculator 2026
Calculate your net out-of-pocket dental bill after applying ATB allowances, private clinic surcharges, and Försäkringskassan's high-cost protection subsidies (högkostnadsskydd för tandvård).
1. Treatment & Reference Cost
2. Patient Details & Clinic Pricing
Comprehensive Itemized Breakdown
| State Reference Price (Referenspris) | SEK 18,000 |
| Actual Total Clinic Bill (incl. surcharge) | SEK 18,000 |
| − ATB Allowance Applied | −SEK 300 |
| Tier 1 Patient Base (SEK 0 – 3,000) | SEK 3,000 (0% subsidy) |
| − Tier 2 State Subsidy (50% on SEK 3k–15k) | −SEK 6,000 (50% state) |
| − Tier 3 State Subsidy (85% over SEK 15k) | −SEK 2,550 (85% state) |
| + Clinic Surcharge over Reference Price | SEK 0 |
State subsidies (högkostnadsskydd) are calculated strictly on TLV reference prices (referenspriser). Clinic charges exceeding reference rates are paid 100% out of pocket by the patient.
Frequently Asked Questions (vanliga frågor)
How does adult dental high-cost protection (högkostnadsskydd) work in Sweden?
Försäkringskassan covers 50% of reference prices for total treatment costs between SEK 3,000 and SEK 15,000 within a 12-month period, and 85% of costs exceeding SEK 15,000.
What is the annual dental care allowance (ATB)?
ATB is an annual state subsidy. Adults aged 30-66 receive SEK 300/year, while young adults (24-29) and seniors (67+) receive SEK 600/year. Unused ATB can accumulate for up to two years.
Is dental care free for children in Sweden?
Yes. General dental care (tandvård) is 100% free for children and young people up to the age of 23.