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

SB 204 requires Alabama dental insurers to allow policyholders to carry over unused dental benefits from one year to the next, instead of losing them at year-end. It sets a cap, limiting the rollover amount to twice the previous year's annual benefit maximum. This change applies to both standalone dental plans and health plans that include dental coverage, directly affecting all Alabama residents with such insurance policies, effective January 1, 2026.