MN HF2334

Dental organizations must maintain a minimum 85% dental loss ratio, calculated as total claims paid divided by gross premium revenue received

Organizations failing to meet the 85% threshold must provide remediation to enrollees through direct rebates, increased benefit limits, or other commissioner-approved methods, effective January 1, 2028

Dental organizations must file proposed premium rate changes with the Commissioner of Commerce, who may disapprove changes under existing standards, effective January 1, 2027

Annual reporting required to the commissioner showing dental loss ratios, actuarial memoranda, and rate change summaries, with initial three-year historical report due March 1, 2027

Commissioner must publish searchable annual reports on the Department of Commerce website allowing public comparison of dental loss ratios across all organizations