Dental insurance; allow available unused benefits to roll over year-to-year

HB 400 requires Alabama dental insurance providers to allow beneficiaries to carry over unused annual dental benefits into the next year, with a cap limiting accumulated rollover to twice the previous year's annual benefit maximum. This applies to all dental benefit plans and health plans covering dental services sold in Alabama, directly affecting residents enrolled in such coverage. The law takes effect January 1, 2026, and mandates insurers to include this rollover provision in contracts, while allowing them to set reasonable terms within the specified limit. It does not change existing coverage levels or create new benefits, only enabling unused funds to be preserved.