Enacting the Kansas medical loss ratios for dental healthcare services plans act.

SB 182 requires dental insurance carriers in Kansas to spend at least 85% of premium dollars on actual patient dental care (not administrative costs) starting July 1, 2026. It mandates annual reports detailing this "dental loss ratio" (DLR) for the commissioner to review, with public disclosure of aggregated data by January 1 each year. Carriers falling below 85% must rebate excess premiums to policyholders by July 1 of the following year, with the commissioner authorized to enforce compliance. This directly affects dental insurers, dental service organizations, and plans offering standalone dental coverage (excluding Medicaid/CHIP).