The bill enacts the Kansas Medical Loss Ratios for Dental Healthcare Services Plans Act, which establishes regulations for dental benefit plans in Kansas. It requires dental carriers to file an annual dental loss ratio (DLR) report with the commissioner of insurance, detailing the percentage of premium dollars spent on patient care. The DLR is calculated by dividing the total amount spent on patient care by the total earned premium revenues, with specific exclusions for administrative costs and other non-care related expenses. The bill mandates that the commissioner make this information publicly available and report it to the legislature annually.

Starting July 1, 2026, the bill sets a required dental loss ratio of 85%. Carriers that report a DLR below this threshold will be identified as outliers, and the commissioner is authorized to investigate and take remediation actions, which may include requiring carriers to issue rebates to policyholders. The commissioner is also tasked with adopting necessary rules and regulations to implement the act, including monitoring rate increases in relation to the dental services consumer price index.