North Dakota committee reviews House Bill 1481 to reform dental insurance practices

A pivotal discussion on dental insurance reform took place during the North Dakota Senate Human Services meeting on March 10, 2025, as lawmakers reviewed House Bill 1481. The bill aims to ensure that a significant portion of dental insurance premiums—specifically 83%—is spent directly on patient care, addressing long-standing concerns about the profitability of insurance companies at the expense of patient coverage.

Proponents of the bill highlighted the disparity between medical and dental insurance, noting that while medical insurers have a vested interest in preventing catastrophic health issues, dental insurers often deny claims without facing significant financial repercussions. "For every dollar that the dental insurance companies deny in claim coverage, it's an additional dollar in profits," one supporter stated, emphasizing the need for consumer protection in the dental insurance market.

The bill does not mandate specific coverage but requires that a minimum percentage of premiums be allocated to patient care, allowing insurers the flexibility to design their plans. This approach aims to foster competition and transparency, enabling employers and consumers to make informed choices about their dental coverage. The bill's supporters argue that it will reduce claim denials and improve access to necessary dental care, ultimately benefiting patients and employers alike.

As the discussion unfolded, concerns were raised about the potential impact on smaller insurance carriers. However, advocates reassured the committee that the bill includes exemptions for smaller plans, ensuring they are not disproportionately affected. The effective date for the bill is set for January 1, 2027, allowing time for the insurance industry to adapt to the new requirements.

With 15 states already implementing similar legislation, North Dakota's move could position it as a leader in dental insurance reform. The bill's supporters are optimistic that it will enhance the quality of dental care and ensure that patients receive the value they pay for in their insurance premiums. As the committee continues to deliberate, the outcome of House Bill 1481 could significantly reshape the landscape of dental insurance in the state.