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Read. Follow. Verify.Idaho requires dental insurers to report patient premium spending and dental loss ratios annually
Last action · February 20, 2026: Reported Printed and Referred to Business
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What This Bill Proposed
Idaho lawmakers require dental health care service plans to file annual (DLR) reports with the Department of Insurance starting by July 31, 2027. The measure mandates that the department review, publish, and make this financial data publicly searchable by January 1 each year to show how much premium money goes toward actual patient care versus administrative overhead.
Dental insurance enrollees gain access to public comparison data showing what percentage of their premium dollars insurers spend directly on clinical dental care versus overhead costs. Insurers must compile and electronically submit detailed calculations of and revenues under new statutory definitions.
- Dental loss ratio reporting requirements function similarly to medical loss ratio rules established under the federal Affordable Care Act, which require insurers to spend a minimum percentage of premium dollars on patient care. context
Who It Would Have Affected
Groups the bill's text would have affected, as described in the record. Being affected is not a position for or against it.
dental health care service plans
Insurers must calculate, electronically submit, and undergo state review of their annual dental loss ratios and detailed financial components.
dental insurance enrollees
Enrollees gain access to searchable public comparison data regarding how much of their premium payments are spent on direct patient care versus administrative overhead.
Idaho Department of Insurance
The department is required to receive, review, publish, verify data for, and maintain a searchable website for annual dental loss ratio reports.
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
When do dental plans have to start filing their loss ratio reports?
What dental coverage plans are excluded from these transparency requirements?
Where can consumers view the reported dental loss ratio data?
What else do you want to know?
News Coverage
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Votes, people, money & the original sourceWhere This Stands
This bill did not become law - Died at adjournment · in House committee.
Procedural history
2 actions- Feb 20, 2026CommitteeReported Printed and Referred to Business
- Feb 19, 2026IntroducedIntroduced, read first time, referred to JRA for Printing
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.
Connected Entities
Sources
legislature.idaho.gov
Analysis Score
0–100- Significance20Lowered because this bill did not pass (its text scored 60)
- Controversy15Intensity of disagreement among stakeholders
- Entertainment5Compellingness for a non-policy-wonk reader
- Buzz25Current news / social attention level
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