AK HB273

Expands direct health care agreements to include dental care services in addition to primary care services, allowing patients to pay periodic fees directly to providers outside traditional insurance

Requires dental insurers to file annual dental loss ratio reports with the state insurance director, including enrollee numbers, cost-sharing amounts, deductibles, and annual coverage limits

Mandates public disclosure of dental loss ratio data by January 1 each year in a searchable format allowing consumers to compare ratios across carriers and plan types

Identifies dental plans as "outliers" if their loss ratio falls more than one standard deviation below the market average, triggering investigation and potential enforcement including premium rebates

Insurers remaining outliers for two consecutive years face mandatory minimum dental loss ratio requirements, effective no earlier than 42 months after outlier determination; takes effect January 1, 2027