SB 1596: Creates provisions relating to dental insurance

Official summary

Abstract published by the legislature (via Open States). Text as published by the legislature; reproduced verbatim.

SB 1596 - This act requires dental plans to file a dental loss ratio report with the Department of Commerce and Insurance before March first of each year for the previous calendar year. Data provided to the Department pursuant to this act shall be made available to the public. The numerator of the dental loss ratio shall be the amount expended for clinical dental services provided to dental plan enrollees, including payments under capitation contracts with dental providers. Costs and payment amounts not included in the numerator are defined in the act. The denominator of the dental loss ratio shall be the amount of all earned premiums received by the dental plan for dental services, excluding federal and state taxes, licensing fees, regulatory fees, payments or receipts for risk adjustments, risk corridors, reinsurance, community benefit expenditures, and other payments required by federal law. The dental plan shall provide an annual rebate to each enrollee, on a pro rata basis, to the extent the dental loss ratio is less than eighty-five percent before August first of the year following the year for which the dental loss ration report was issued. Any failure to rebate the amount prescribed in this act by a dental plan not required to be licensed by the Department of Commerce and Insurance, shall be deemed an unlawful practice under current law. This act is identical to HB 2471 (2026). TAYLOR MIDDLETON

Sponsors

Sponsors by party (alphabetical): Republican 1

“Support” is shown only as formal sponsorship recorded by the legislature. Roll-call votes are available on the official bill page.

Recent official actions

1. February 5, 2026Second Read and Referred S Insurance and Banking Committee
2. January 28, 2026S First Read