All Roll Calls
Yes: 213 • No: 12
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)
Became Law
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Bill Overview
Analyzed Economic Effects
3 provisions identified: 2 benefits, 0 costs, 1 mixed.
Money back when dental plans underspend
Beginning January 1, 2027, if a plan’s dental loss ratio is under 83.75%, the insurer must return money. People and groups covered that year get a refund or a 12‑month premium credit. Total refunds must equal the extra premium above what was needed to reach 83.75%. The law defines how to count care costs and earned premium, and excludes certain taxes and fees. The commissioner may waive or adjust refunds only if paying them would cause insurer financial impairment, and may make rules.
Stronger state review of dental rates
Starting January 1, 2027, dental insurers must file next year’s rates and group rating changes for review. The insurance commissioner can block rates that are excessive, inadequate, or unreasonable. The commissioner can also block group rating factors that are discriminatory or not actuarially sound. A rate is excessive if admin costs rise over 4%, surplus exceeds 2% of revenue, or the loss ratio is under 83.75%. If disapproved, the insurer gets 45 days’ notice, can seek a hearing in 10 days, held within 15, with a decision in 30. For threshold disapprovals, the commissioner holds a public hearing, and the insurer must notify covered employers and people.
Small dental insurers get an exemption
Starting January 1, 2027, these rules do not apply to a dental insurer with 1,000 or fewer enrollees on a three‑year average. This exemption uses total enrollees across all plans. Enrollees of exempt insurers do not get these filing, loss‑ratio, and refund protections.
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
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
Filed with Secretary Of State 04/16
4/21/2025HouseSigned by Governor 04/16
4/18/2025HouseSent to Governor
4/15/2025HouseSigned by Speaker
4/15/2025HouseSigned by President
4/14/2025SenateSecond reading, passed, yeas 88 nays 3
4/9/2025HouseConcurred
4/9/2025HouseReturned to House (12)
3/28/2025HouseSecond reading, passed as amended, yeas 40 nays 7
3/27/2025SenateAmendment adopted, placed on calendar
3/27/2025SenateReported back amended, do pass, amendment placed on calendar 4 2 0
3/26/2025SenateCommittee Hearing 09:00
3/10/2025SenateIntroduced, first reading, referred Human Services Committee
2/24/2025SenateReceived from House
2/21/2025SenateSecond reading, passed, yeas 85 nays 2
2/20/2025HouseAmendment adopted, placed on calendar
2/19/2025HouseReported back amended, do pass, amendment placed on calendar 11 2 1
2/18/2025HouseCommittee Hearing 08:30
2/4/2025HouseIntroduced, 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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