Require dental plan carriers to meet a minimum dental loss ratio and provide a report

LB 639 requires dental insurance companies in Nebraska to spend at least 85% of premium revenue on patient care and administrative costs (not profits). Starting in 2026, these companies must meet this "dental loss ratio" and report their annual ratio to the state insurance department starting in 2027. If they fail to meet the 85% threshold, they must refund the excess premiums directly to policyholders. The bill does not apply to dental coverage provided through Medicaid.