The Idaho Legislature has introduced a bill that would require dental healthcare service plans to report their dental loss ratios.
Under House Bill 729, the Idaho Department of Insurance would make dental loss ratio reports submitted by plans publicly available. A dental loss ratio reflects the percentage of premium dollars spent on patient care compared to the total premiums collected.
The bill does not require plans to meet a specific dental loss ratio benchmark but would mandate annual reporting to the state’s insurance department.
The reporting requirement would apply to dental health care service plans regulated by the state and excludes Medicaid, CHIP, short-term limited duration coverage, accident-only coverage and certain other limited-scope plans.
The legislation is aimed at increasing consumer transparency in the dental insurance industry.
House Bill 729 was introduced Feb. 19 and would take effect July 1, 2026. The first reports would be due July 31, 2027.
