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Read. Follow. Verify.Missouri House Bill 2471 requires dental insurance plans to file loss ratio reports and pay rebates to enrollees
Last action · May 15, 2026: Referred: Emerging Issues(H)Sponsors: Jeff Farnan and 2 others
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What This Bill Would Do
Missouri House Bill 2471 requires dental insurance plans to submit annual reports to the Department of Commerce and Insurance and issue pro-rata rebates to enrollees if less than 85 percent of premium revenues are spent on actual patient care. The bill establishes strict definitions for the numerator (clinical services) and denominator (earned premiums) used to calculate the ratio. Insurers must file reports by March 1 and issue rebates by August 1 annually.
Dental insurance enrollees will receive direct financial rebates if insurers spend more than 15 percent of premium collections on administrative overhead rather than direct clinical care. Insurers face mandatory annual reporting deadlines and potential regulatory penalties for failing to issue required payments.
Who It Would Affect
Groups the bill's text would affect if enacted, as described in the record. Being affected is not a position for or against it.
Dental Plan Enrollees
Enrollees receive pro-rata annual rebates if their dental plan's loss ratio falls below 85 percent.
Dental Plans
Dental plans must file annual loss ratio reports with the Department of Commerce and Insurance by March 1 and issue rebates when spending on patient care drops below the statutory threshold.
Department of Commerce and Insurance
The department must receive, review, approve, and make public all dental loss ratio reports submitted by dental plans.
Key Facts
You don't have to trust us. Each fact below is taken straight from the official document - click any one to see the exact passage, highlighted in the original.
Frequently Asked Questions
What is a dental loss ratio?
When must dental plans issue rebates to enrollees?
Are state-sponsored health insurance programs covered by this bill?
What else do you want to know?
News Coverage
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Votes, people, money & the original sourceWhere This Stands
Currently in committee. The next step in the legislative lifecycle is Floor Vote.
Procedural history
4 actions- May 15, 2026HouseCommitteeReferred: Emerging Issues(H)
- Jan 8, 2026HouseFloorRead Second Time (H)
- Jan 7, 2026HouseIntroducedRead First Time (H)
- Dec 16, 2025HouseIntroducedPrefiled (H)
Version history
Only one version on file - nothing to compare yet. As later stages (committee substitute, engrossed, enrolled) are captured, the redline appears here.
View official text →Lobbying Activity
No state lobbying filings in our records match this bill. Federal lobbying reports (LDA) cover Congress, so they are not listed on state bills.
Full breakdown
Who this bill affects and the strongest case for and against it, written only from the bill’s own text.
Sponsors
Connected Entities
Sources
house.mo.gov
Analysis Score
0–100- Significance65How much this matters to a regular citizen
- Controversy30Intensity of disagreement among stakeholders
- Entertainment5Compellingness for a non-policy-wonk reader
- Buzz20Current news / social attention level
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