KLS Keeping Law Simple Legislation in plain English

Straight-ahead summaries built from the official bill text. We keep the source links front and center and leave the decision up to you.

Back to Missouri

SB1596 • 2026

Creates provisions relating to dental insurance

Creates provisions relating to dental insurance

Passed Legislature

This bill passed both chambers and reached final enrollment, even if later executive action is not shown here.

Sponsor
Carter, Jill; House handler: N/A
Last action
2026-02-05
Official status
Second Read and Referred S Insurance and Banking Committee
Effective date
2026-08-28

Plain English Breakdown

The plain English breakdown is still being put together. The official documents below are already here.

Bill History

  1. 2026-02-05 S310

    Second Read and Referred S Insurance and Banking Committee

  2. 2026-01-28 S252

    S First Read

Official Summary Text

The following summaries of this bill are available:

Print All Summaries

Introduced

Print

SB 1596 - This act requires dental plans to file a dental loss ratio report with the Department of Commerce and Insurance before March first of each year for the previous calendar year. Data provided to the Department pursuant to this act shall be made available to the public.

The numerator of the dental loss ratio shall be the amount expended for clinical dental services provided to dental plan enrollees, including payments under capitation contracts with dental providers. Costs and payment amounts not included in the numerator are defined in the act.

The denominator of the dental loss ratio shall be the amount of all earned premiums received by the dental plan for dental services, excluding federal and state taxes, licensing fees, regulatory fees, payments or receipts for risk adjustments, risk corridors, reinsurance, community benefit expenditures, and other payments required by federal law.

The dental plan shall provide an annual rebate to each enrollee, on a pro rata basis, to the extent the dental loss ratio is less than eighty-five percent before August first of the year following the year for which the dental loss ration report was issued.

Any failure to rebate the amount prescribed in this act by a dental plan not required to be licensed by the Department of Commerce and Insurance, shall be deemed an unlawful practice under current law.

This act is identical to HB 2471 (2026).
TAYLOR MIDDLETON