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Alaska2026Passed Legislature

HB273

Direct Dental Care Agreements and Insurance Reporting Rules

Last scannedSep 20, 2026, 12:32 AM

In one sentence

This law allows patients to pay providers directly for specific care without insurance, sets rules for those agreements, and requires dental insurers in Alaska to report how much money they spend on patient care.

What it does

  • Allows health providers or businesses and patients to sign direct payment agreements for dental care or primary care services.
  • Requires these agreements to list the fee amount, covered services, locations, additional fees like cancellation charges, and a contact person for complaints or changes.
  • States that people eligible for state medical assistance programs cannot use these direct payment agreements.
  • Lets providers refuse new patients if they lack capacity or cannot provide needed services.
  • Allows providers to end an agreement with an existing patient based on health status only if the provider can no longer treat their needs.
  • Requires dental insurers to file annual reports showing how much of premium money goes toward actual care versus other costs.

Who it affects

  • Health care providers and businesses offering direct payment plans
  • Patients who are not eligible for state medical assistance programs or catastrophic illness aid
  • Dental insurance companies operating in Alaska

Limits and unknowns

  • This law does not apply to patients who receive state medical assistance or catastrophic illness aid.
  • Direct care agreements do not include the same legal protections as standard health insurance policies.
  • The provided text ends before fully explaining how insurers must fix problems if their loss ratios are too low.

Plain language

Terms to know

Direct health care agreement
A written deal where a patient pays a regular fee directly to a provider for specific dental or primary care services instead of using insurance.
Dental loss ratio
The percentage of premium money that an insurer spends on clinical dental services and quality improvements, excluding taxes and administrative costs.

Official record

Sources

Validated

Official summary

DENTAL INSURANCE & DIRECT CARE AGREEMENTS An Act relating to direct health care agreements; relating to dental health care insurance plans and dental loss ratios; and providing for an effective date.

Official activity

Bill history

  1. (H) Heard & HeldText
  2. (H) HEALTH & SOCIAL SERVICES at 03:15 PM DAVIS 106Text
  3. (H) <Bill Hearing Canceled>Text
  4. (H) HEALTH & SOCIAL SERVICES at 03:15 PM DAVIS 106Text
  5. (H) REFERRED TO HEALTH & SOCIAL SERVICES1479
  6. (H) HSS, L&C1479
  7. (H) READ THE FIRST TIME - REFERRALS1479