IDAHO DENTAL PLAN TRANSPARENCY ACT – Adds to existing law to establish the Idaho Dental Plan Transparency Act.

Idaho's H 729, the "Idaho Dental Plan Transparency Act," requires dental health insurance plans (excluding Medicaid, CHIP, short-term plans, and direct primary care) to annually report their "dental loss ratio" (DLR) to the Idaho Department of Insurance. The DLR shows what percentage of premium dollars go directly toward patient dental care versus administrative costs, calculated using specific rules that exclude overhead and other expenses. Starting in 2027, plans must submit these reports by July 31, and the Department will publish the data publicly on a searchable website by January 1 each year for consumers to compare. This law aims to increase transparency about how dental plan premiums are used, without changing coverage or costs.