Dental Insurance Regulatory Activity

‍During 2025, Telos tracked 25 bills in state legislatures related to dental insurance, plus two more bulletins issued by insurance departments to provide direction on the application of dental insurance regulations. The vast majority (21 out of 25) added a minimum loss ratio (LR) for dental insurance products, introduced annual experience reporting requirements, or both. All but 4 of these bills did not become law during 2025 state legislative sessions. A quick summary of bills that did become law:

2026 Activity

Now that we’re one quarter into 2026, another round of bills that could impact dental insurance are underway! So far in 2026 we are tracking 16 bills related to dental insurance, plus a bulletin on implementing the ND bill noted above. All 16 of these bills introduce an annual dental loss ratio filing requirement, and most of the 16 also require a minimum loss ratio in the range of 75% - 85%. One Mississippi bill has been approved at this point – see the table below. The other states where these bills are being considered in 2026 (so far): AK, AL, HI, ID, MN, MO, NE, NY, WA, WV.

Future Regulatory Actions

Proposed regulatory activity related to dental insurance has been increasing, essentially since Massachusetts added a dental loss ratio requirement effective in 2024. Several other states have dental loss ratio reporting requirements in place now, and it appears that additional states may be adding similar requirements in the near future.

If you would like to stay on top of proposed and enacted regulations, our Insurance Regulatory Insights newsletter and Reg Tracker database will keep you up to date! If you would like to explore how current and upcoming regulations will impact your business, please contact us – we would love to discuss! ‍