KS SB182

Dental carriers must spend at least 85% of premium revenue on patient care (dental loss ratio) starting July 1, 2026, with carriers falling below this threshold subject to investigation and required rebates to policyholders

Carriers must file annual dental loss ratio reports with the Insurance Commissioner, organized by market and product type, including enrollee counts, cost-sharing amounts, deductibles, and annual coverage limits

The Commissioner must publish dental loss ratio data in a searchable public format by January 1 following receipt, allowing consumers to compare ratios among carriers by plan type

Rebates owed to policyholders must be paid by July 1 of the year following the calculation period, with the Commissioner authorized to allow premium reductions as an alternative to direct rebates

The Commissioner must adopt rules to identify carriers increasing rates above the dental services consumer price index as reported by the Bureau of Labor Statistics