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HI SB2132
Bill
Status
Introduced
1/21/2026
Primary Sponsor
Brandon Elefante
Click for details
AI Summary
- Establishes a minimum 75% dental loss ratio requirement for dental insurance plans in Hawaii, meaning insurers must spend at least 75% of premium revenue on actual patient care rather than administrative costs
- Requires dental insurers to file all proposed plan rates and rate changes with the Insurance Commissioner, who may disapprove rates if the dental loss ratio falls below 75%
- Mandates premium refunds or credits to enrollees when a dental insurer's annual dental loss ratio falls below 75%, with total refunds equal to the excess premium collected
- Specifies detailed calculation methods for dental loss ratio, including what qualifies as care expenditures (clinical services, claim reserves) and what exclusions apply (administrative costs, broker payments, third-party vendor fees)
- Requires dental insurers to include dental loss ratio information in annual reports, organized by market and product type, which the Insurance Commissioner must publish online for public comparison
Legislative Description
Relating To Dental Insurance.
Reports
Last Action
The committee on CPN deferred the measure.
2/3/2026
Committee Referrals
Commerce and Consumer Protection1/22/2026
Full Bill Text
No bill text available