North DakotaHB 14812025 Regular SessionHouseWALLET

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.

Sponsored By: Jim Kasper (Republican)

Signed by Governor

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Bill Overview

Analyzed Economic Effects

1 provisions identified: 1 benefits, 0 costs, 0 mixed.

Dental policyholders get refunds and rate safeguards

North Dakota's law covers dental insurers with more than 1,000 total enrollees across all plans, averaged over three years. The Insurance Commissioner can reject a proposed rate change if administrative expenses, excluding taxes and assessments, rise more than 4% from the prior year's filing, contributions to surplus exceed 2% of revenue, or the plan's dental loss ratio falls below 75%. The loss ratio measures the share of premium money spent on patient care rather than overhead, using the law's accounting rules. When the annual ratio falls below 75%, insurers must notify covered individuals and groups and refund enough excess premium to reach 75%, based on insurer-reported data; those staying covered can receive a premium credit for the next 12 months instead. The Commissioner can waive or adjust refunds only upon finding that they would financially impair the insurer.

Sponsors & Cosponsors

Sponsor

  • Jim Kasper

    Republican • House

Cosponsors

  • Jason Dockter

    Republican • House

  • Ben Koppelman

    Republican • House

  • Scott Louser

    Republican • House

  • Mitch Ostlie

    Republican • House

  • Dan Ruby

    Republican • House

  • Brad Bekkedahl

    Republican • Senate

  • Sean Cleary

    Republican • Senate

  • David A. Clemens

    Republican • Senate

  • Kathy Hogan

    Democratic • Senate

  • Judy Lee

    Republican • Senate

  • Bob Paulson

    Republican • Senate

Roll Call Votes

All Roll Calls

Yes: 213 • No: 12

House vote • 4/9/2025

Second reading, passed, yeas 88 nays 3

Yes: 88 • No: 3

Senate vote • 3/27/2025

Second reading, passed as amended, yeas 40 nays 7

Yes: 40 • No: 7

House vote • 2/20/2025

Second reading, passed, yeas 85 nays 2

Yes: 85 • No: 2

Actions Timeline

  1. Filed with Secretary Of State 04/16

    4/21/2025House
  2. Signed by Governor 04/16

    4/18/2025House
  3. Sent to Governor

    4/15/2025House
  4. Signed by Speaker

    4/15/2025House
  5. Signed by President

    4/14/2025Senate
  6. Second reading, passed, yeas 88 nays 3

    4/9/2025House
  7. Concurred

    4/9/2025House
  8. Returned to House (12)

    3/28/2025House
  9. Second reading, passed as amended, yeas 40 nays 7

    3/27/2025Senate
  10. Amendment adopted, placed on calendar

    3/27/2025Senate
  11. Reported back amended, do pass, amendment placed on calendar 4 2 0

    3/26/2025Senate
  12. Committee Hearing 09:00

    3/10/2025Senate
  13. Introduced, first reading, referred Human Services Committee

    2/24/2025Senate
  14. Received from House

    2/21/2025Senate
  15. Second reading, passed, yeas 85 nays 2

    2/20/2025House
  16. Amendment adopted, placed on calendar

    2/19/2025House
  17. Reported back amended, do pass, amendment placed on calendar 11 2 1

    2/18/2025House
  18. Committee Hearing 08:30

    2/4/2025House
  19. Introduced, first reading, referred Industry, Business and Labor Committee

    1/17/2025House

Bill Text

  • Adopted by the House Industry, Business and Labor Committee

  • Enrollment

  • FIRST ENGROSSMENT

  • FIRST ENGROSSMENT with Senate Amendments

  • INTRODUCED

  • Prepared by the Legislative Council staff for Senator Hogan

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