AN ACT to create and enact two new sections to chapter 26.1-36.9 of the North Dakota Century Code, relating to dental insurer rate requirements and reporting; and to provide an effective date.
HB 1481 creates new sections within North Dakota's insurance code, establishing specific requirements for dental insurers. The bill focuses on regulating how dental insurance rates are determined and mandates new reporting procedures for these companies. These provisions are designed to introduce new oversight for dental insurers operating in the state, directly affecting their operations and potentially their policyholders.
Bill status
signed
all 5 stages cleared
Introduction
Jan 2025
Committee Review
Mar 2025
House Passage
Apr 2025
Senate Passage
Mar 2025
Signed into Law
Apr 2025
Introduced Jan 17, 2025
Signed Apr 18, 2025
Maddy AI version diff · 2 comparisons
What changed between versions
FIRST ENGROSSMENT
→
Enrollment
·
4 edits
MODERATE
The bill was amended to add a new section requiring dental insurers to submit annual loss ratio reports and make that data publicly available online. The effective date for the new reporting requirements was changed from January 1, 2027 to July 1, 2027, while the rate approval provisions remain effective January 1, 2027. The bill also expanded the definition of excluded costs in loss ratio calculations to include various administrative and professional service fees.
Scope change
The bill now applies to all dental insurers issuing specialized dental health care service plan contracts, with an exemption for insurers with 1,000 or fewer cumulative enrollees based on a three-year average.
REQUIREMENT
Added a new requirement for dental insurers to file annual dental loss ratio reports with the commissioner by April 30th each year.
ENFORCEMENT
Added authority for the commissioner to request data verification from insurers within 30 days and to publish loss ratio data on the department website for public comparison.
TIMELINE
Changed the effective date for the new reporting and transparency requirements from January 1, 2027 to July 1, 2027.
DEFINITION
Expanded the list of excluded costs in loss ratio calculations to include professional and administrative services not representing covered services, such as dental record copying, attorney fees, and compensation to support staff.
Floor votes · Senate Mar 27, 2025 · House Apr 9, 2025
How they voted
40–7
Passed
Total votes 47
Mar 27, 2025
D
Democratic5
100% Yea
R
Republican42
83% Yea
Vote distribution
All Yea
All Nay
Mixed
No data
Full legislative history
Actions timeline
Total actions
19
Key actions
11
Committee
4
Apr 21, 2025
Introduced
Filed with Secretary Of State 04/16
legislature
Apr 18, 2025
Signed into law
Signed by Governor 04/16
lower
Apr 9, 2025
Lower · Passed
Second reading, passed, yeas 88 nays 3
lower
Apr 9, 2025
Lower · Passed
Concurred
lower
Mar 27, 2025
Upper · Passed
Second reading, passed as amended, yeas 40 nays 7
upper
Mar 27, 2025
Upper · Passed
Amendment adopted, placed on calendar
upper
Mar 26, 2025
Upper · Passed
Reported back amended, do pass, amendment placed on calendar 4 2 0
upper
Mar 10, 2025
Upper · Passed
Committee Hearing 09:00
upper
Feb 24, 2025
Introduced
Introduced, first reading, referred Human Services Committee
upper
Feb 20, 2025
Lower · Passed
Second reading, passed, yeas 85 nays 2
lower
Feb 19, 2025
Lower · Passed
Amendment adopted, placed on calendar
lower
Feb 18, 2025
Lower · Passed
Reported back amended, do pass, amendment placed on calendar 11 2 1
lower
Feb 4, 2025
Lower · Passed
Committee Hearing 08:30
lower
Jan 17, 2025
Introduced
Introduced, first reading, referred Industry, Business and Labor Committee
lower
1 primary · 11 co-sponsors
Sponsors
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