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Committee adopts amendments setting dental insurer minimum loss ratio at 75% and delays effective date to 2027
Summary
The Industry, Business and Labor Committee adopted amendments to House Bill 14‑81 that set a dental medical loss ratio at 75 percent, exempt carriers with 1,000 or fewer covered lives on a three‑year average, and delay the effective date to Jan. 1, 2027.
The Industry, Business and Labor Committee adopted amendments to House Bill 14‑81 that change the proposed dental medical loss ratio (MLR) requirements and add implementation detail. The committee replaced an 83 percent figure in the draft with a 75 percent MLR for dental insurers, added an exemption for carriers covering 1,000 lives or fewer on a cumulative three‑year average, and set an effective date of Jan. 1, 2027.
Representative Casper introduced the amendment, saying the effective date would allow the Insurance Department time to implement changes and that carriers with limited enrollment should be exempt. Casper said the change to a 75 percent MLR was supported by data showing the two largest carriers already had aggregate loss ratios above that threshold.
Crystal Bartuska of the North…
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