SSB 5351 Collaborative

In 2025, the Washington State Legislature passed SSB 5351, directing the Office of the Insurance Commissioner to contract with the Ruckelshaus Center to design, facilitate, and convene a collaborative forum with participation from parties interested in dental insurance issues, including dental loss ratio and dental provider reimbursement. The Center is working with the Washington State Dental Association, dental insurance carriers, consumer representatives, and others to develop recommendations for legislative or regulatory action. The Center will submit a final report summarizing findings, agreements, and recommendations by June 30, 2026.

For more information, please contact Chris Page or Amanda Murphy.

Read the bill that established the project, SSB 5351 (PDF).

Key Documents

Project Reports

Full Group Meeting Materials

Shared Resources

2024 Dental Data (From OIC) (PDF)

ACLI – DLR (One Pager) (PDF)

ACLI – Keeping Dental Insurance Accessible (PDF)

ADA Letter to NCOIL (PDF)

ADA Statement on NCOIL (PDF)

ADA NADP NCOIL Model Statement (PDF)

CA State Assembly DLR Report to Legislature (PDF)

Dental Health in Rural America AARP (PDF)

Massachusetts Milliman Report (PDF)

NCOIL DLR Model Health (PDF)

Dental Health Survey AARP (PDF)

MANCUSO Age Wave Data (PDF)

Medical Debt Among Midlife Adults: Who Owes and How Much AARP (PDF)