HB 2805 Summary

• Creates the "Oklahoma Medical Loss Ratios for Dental (DLR) Health Care Services Plans Act" requiring dental carriers to calculate and report the percentage of premium dollars spent on patient care and quality activities.

• Dental carriers must file annual DLR reports with the Oklahoma Insurance Commissioner by May 1 each year beginning May 1, 2026, organized by market and product type, with data made publicly searchable on the Insurance Department website.

• Commissioner shall identify dental plans as "outliers" if they fall outside one standard deviation of average DLR for their market segment (with a safe harbor of three percentage points), and may order rebates to policyholders for carriers that fail to meet minimum DLR thresholds after two consecutive years.

• Activities to improve dental care quality are capped at 5% of net premium revenue, and overhead/administrative costs are excluded from the DLR calculation ratio.

• Effective date is November 1, 2025; Commissioner must adopt rules to implement the act and may create processes to identify carriers with rate increases exceeding dental services Consumer Price Index growth.