An Act amending Title 40 (Insurance) of the Pennsylvania Consolidated Statutes, providing for dental insurance medical loss ratios; and imposing penalties.

HB 1325 requires health insurers in Pennsylvania offering dental coverage to report annual "medical loss ratios" (MLRs) for dental policies. This means insurers must calculate the percentage of premium dollars spent directly on dental care (not administrative costs) and submit detailed reports by April 30 each year. The bill applies to all health insurers licensed in Pennsylvania that provide dental policies, whether standalone or bundled with medical coverage. Penalties may be imposed if insurers fail to comply with the reporting requirements or meet the MLR standards.