Creates provisions relating to dental plans

HB 439 requires dental plans (health plans covering dental care, excluding state programs like MO HealthNet) to spend at least 85% of premiums on actual patient care rather than overhead. It mandates annual reports to the state insurance department by March 1st, detailing the "dental loss ratio" using specific formulas that exclude administrative costs and certain fees. If the ratio falls below 85%, plans must issue pro-rata rebates to enrollees by August 1st of the following year. The bill directly affects dental plan providers and their enrollees by ensuring more premiums fund care rather than administrative expenses.