MN SF1204

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

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

Dental organizations must file proposed premium rate changes with the Commissioner of Commerce, who has authority to disapprove proposed rate changes

Annual reporting required starting March 1, 2027, including dental loss ratios, actuarial memorandums with financial information, and summaries of proposed rate changes

Commissioner must publish annual reports on the Department of Commerce website allowing public to search and compare dental loss ratios across all dental organizations