Colorado and Louisiana move on DLR

The Colorado Division of Insurance (DOI) has finalized regulations for the state’s dental loss ratio (DLR) regulations, implementing the bill passed last year. The new law requires insurers to report their DLRs and allows the DOI to take remedial action against any insurer that does not remain within one standard deviation of the median rate for all dental plans in the state. The regulations also specify that charitable donations cannot be included in the numerator of the DLR calculation. In Louisiana, Gov. Jeff Landry (R) signed SB 463 into law. This legislation mandates that dental carriers file an annual report on dental loss ratios with the commissioner of insurance. These reports must be made publicly available by June 30, 2025, and annually thereafter. Additionally, the commissioner is authorized to request further information from the carriers to verify the data in the annual reports.