The Kansas Medical Loss Ratios for Dental Healthcare Services Plans Act establishes regulations for dental benefit plans, requiring certain carriers to file an annual dental loss ratio (DLR) report with the commissioner of insurance. The DLR is defined as the percentage of premium dollars spent on patient care, with specific calculations outlined for both the numerator and denominator. The act mandates that carriers report additional data, such as the number of enrollees and plan cost-sharing details, and it requires the commissioner to make this information publicly available in a searchable format.

Starting July 1, 2026, the required DLR will be set at 85%. Carriers that report a DLR below this threshold will be identified as outliers, and the commissioner is authorized to investigate these carriers and take remediation or enforcement actions, which may include ordering rebates for excess premiums. The act also empowers the commissioner to adopt necessary rules and regulations to implement these provisions, including monitoring rate increases in relation to the dental services consumer price index.