SB5953 • 2026

Medical loss ratio

Establishing a medical loss ratio of at least 90 percent for health plans.

Healthcare

Passed Legislature

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

Sponsor: Senator Slatter, Senator Robinson, Senator Hasegawa, Senator Nobles
Last action: 2026-01-12
Official status: S Health & Long-
Effective date: Not listed

Plain English Breakdown

Using official source text because the generated explanation was unavailable or could not be confirmed against the official bill text.

Medical loss ratio

What This Bill Does

Medical loss ratio

Limits and Unknowns

This entry is temporarily using official source text because the generated explanation could not be confirmed against the official bill text during the last sync.

Bill History

2026-01-12 Senate
First reading, referred to Health & Long-Term Care.

Official Summary Text

Medical loss ratio

Current Bill Text

Read the full stored bill text

AN ACT Relating to establishing a medical loss ratio of at least 1
90 percent for health plans; and adding a new section to chapter 2
48.43 RCW. 3
BE IT ENACTED BY THE LEGISLATURE OF THE STATE OF WASHINGTON:4
NEW SECTION. Sec. 1. A new section is added to chapter 48.43 5
RCW to read as follows: 6
(1) For health plans issued or renewed on or after January 1, 7
2027, the medical loss ratio shall be at least 90 percent.8
(2) The commissioner may adopt any rules necessary to implement 9
this section. 10
(3) For the purposes of this section, "medical loss ratio" means 11
the same as in 45 C.F.R. Sec. 158.221 (2025) as of January 1, 2026.12
--- END ---
S-3712.1
SENATE BILL 5953
State of Washington 69th Legislature 2026 Regular Session
By Senators Slatter, Robinson, Hasegawa, and Nobles
Prefiled 12/29/25. Read first time 01/12/26. Referred to Committee
on Health & Long-Term Care.
p. 1 SB 5953