HB400 Alabama 2025 Session

Summary

Primary Sponsor

Phillip RigsbyRepresentative

Republican

Session

2025 Regular Session

Title

Dental insurance; allow available unused benefits to roll over year-to-year

Summary

HB400 would require dental and certain health benefit plans in Alabama to let people roll over unused yearly dental benefits to the next year, with specific limits.

What This Bill Does

Starting January 1, 2026, insurers must include a rollover provision that allows the unspent portion of the annual benefit maximum to be carried forward to the next year for dental services. The carried-over amount is added to the next year's maximum but cannot exceed twice the prior year's maximum; claims incurred in the current year but paid in the following year are subtracted from the current year's maximum. Insurers may set terms and conditions for using the rollover, and state rules may be adopted to implement this change.

Who It Affects

• Beneficiaries of dental or health benefit plans in Alabama, who could carry over unused benefits to future years.
• Insurers issuing, delivering, or renewing dental or health benefit plans in Alabama, who must include and administer the rollover under specified limits.

Key Provisions

• Defines terms: annual benefit maximum, unspent annual benefit maximum dollars, carryover amount, and year.
• Requires rollover of unspent annual benefit maximum dollars into the next year for dental care services, with a cap of up to two times the prior year's maximum and rules for claims paid in the following year.
• Effective date of January 1, 2026; insurers may set terms/conditions for exercising the rollover; the Department of Insurance can adopt implementing rules.
• Amends existing Alabama law to conform with the rollover provision.

AI-generated summary using openai/gpt-5-nano on Feb 22, 2026. May contain errors — refer to the official bill text for accuracy.

Subjects

Insurance