Re: Dental braces
I'm an ordinary oral surgeon, not an orthodontist, but, of course, I know that jaw bone growth usually ends around the age of 18 or 19. Before that, certain movements of teeth can be done by exerting slight forces on the growth zones of the bones, which still are cartilage, hence kind of malleable.
After ossification of the cartilage sutures ("seams") in the skull bones, orthodonic treatments can still be done, albeit slower than during childhood and youth, but I can't see a reason why that should be more difficult after the age of 25.
As for insurance -- very difficult. That's what's called a pre-existing condition, ya know. You can't insure a rusty car against corrosion either.
Oh, yeah, and welcome to our forum.
USA as of January 20, 2017: government by Twitter.