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---
type: "Bill"
title: "Insurance; annual actual loss ratio report by dental carriers."
description: "Insurance; dental carriers; annual report. Requires each dental carrier, beginning in 2025, to annually, on or before April 30, file with the State Corporation Commission a report that includes the actual loss ratio, defined in the bill, for the preceding calendar year and any such other information as the Commission may require. The bill requires the Commission to post such reports on its website. The bill requires the Bureau of Insurance to evaluate the effectiveness of informing the public on the information being reported and to make recommendations, if any, on the continuation or modification of the obligation of dental carriers to report such information. The bill also requires the Commission to convene a work group of interested stakeholders to determine if any revisions are necessary to the Code of Virginia regarding ethics and fairness in dental carrier business practices and of health care providers of dental services. The work group is required to report its recommendations to the Chairs of the House Committee on Labor and Commerce and the Senate Committee on Commerce and Labor on or before October 1, 2024. This bill is identical to SB 257."
jurisdiction: "us/states/va"
legislature: "Virginia General Assembly"
session: "2024"
identifier: "HB 1132"
citation: "Virginia HB 1132 (2024)"
classification: ["bill"]
subjects: []
status: "enacted"
primary_sponsors: ["C.E. Cliff Hayes, Jr."]
version_count: 4
action_count: 35
vote_count: 7
first_action: "2024-01-10"
last_action: "2024-04-22"
source: "openstates"
source_identifier: "ocd-bill/709459d9-54d2-4787-9eb6-9a3e215b57b9"
source_url: "https://lis.virginia.gov/cgi-bin/legp604.exe?241+sum+HB1132"
source_hash: "493578c0f5870fd9a612b1351af655c4d8a7ceca4967ea05b76c4f6a2e6adb46"
vintage: "2026-07-01"
source_snapshot: "https://data.openstates.org/daily/2026-07-01/public.pgdump"
retrieved_at: "2026-07-06"
confidence: "reported"
tags: ["legislation", "bill", "us-va"]
---
# Virginia HB 1132 (2024) — Insurance; annual actual loss ratio report by dental carriers.
Insurance; dental carriers; annual report. Requires each dental carrier, beginning in 2025, to annually, on or before April 30, file with the State Corporation Commission a report that includes the actual loss ratio, defined in the bill, for the preceding calendar year and any such other information as the Commission may require. The bill requires the Commission to post such reports on its website. The bill requires the Bureau of Insurance to evaluate the effectiveness of informing the public on the information being reported and to make recommendations, if any, on the continuation or modification of the obligation of dental carriers to report such information. The bill also requires the Commission to convene a work group of interested stakeholders to determine if any revisions are necessary to the Code of Virginia regarding ethics and fairness in dental carrier business practices and of health care providers of dental services. The work group is required to report its recommendations to the Chairs of the House Committee on Labor and Commerce and the Senate Committee on Commerce and Labor on or before October 1, 2024. This bill is identical to SB 257.
## Version chain
The bill's text revisions, in order — the diff chain from filing to enrollment.
1. **CHAP0319** (committee substitute) — [source](https://lis.virginia.gov/cgi-bin/legp604.exe?241+ful+CHAP0319)
2. **HB1132ER** (committee substitute) — [source](https://lis.virginia.gov/cgi-bin/legp604.exe?241+ful+HB1132ER)
3. **Prefiled and ordered printed; offered 01/10/24 24104911D** (committee substitute) — [source](https://lis.virginia.gov/cgi-bin/legp604.exe?241+ful+HB1132)
4. **Printed as engrossed 24104911D-E** (committee substitute) — [source](https://lis.virginia.gov/cgi-bin/legp604.exe?241+ful+HB1132E)
## Votes
- VOTE: Block Vote Passage (99-Y 0-N) — **980** (pass) · lower
- Reported from Commerce and Labor with amendment (15-Y 0-N) — **150** (pass) · upper
- Subcommittee recommends reporting with amendments (7-Y 0-N) — **70** (pass) · lower
- Passed Senate with amendment (39-Y 0-N) — **390** (pass) · upper
- VOTE: Adoption (98-Y 0-N) — **970** (pass) · lower
- Reported from Labor and Commerce with amendment(s) (22-Y 0-N) — **220** (pass) · lower
- Constitutional reading dispensed (39-Y 0-N) — **390** (pass) · upper
## Sponsors
- C.E. Cliff Hayes, Jr. — primary (person)
## Timeline
The legislative action history — every referral, reading, and vote.
- **2024-01-10** Prefiled and ordered printed; offered 01/10/24 24104911D `filing, introduction`
- **2024-01-10** Referred to Committee on Labor and Commerce `referral-committee`
- **2024-01-23** Assigned L & C sub: Subcommittee #1 `referral-committee`
- **2024-01-24** Impact statement from SCC (HB1132)
- **2024-02-06** House subcommittee amendments and substitutes offered
- **2024-02-06** Subcommittee recommends reporting with amendments (7-Y 0-N)
- **2024-02-08** Reported from Labor and Commerce with amendment(s) (22-Y 0-N) `committee-passage`
- **2024-02-11** Read first time `reading-1`
- **2024-02-12** Read second time `reading-2`
- **2024-02-12** Committee amendment agreed to `amendment-passage`
- **2024-02-12** Engrossed by House as amended HB1132E
- **2024-02-12** Printed as engrossed 24104911D-E
- **2024-02-13** Read third time and passed House BLOCK VOTE (99-Y 0-N) `passage, reading-3`
- **2024-02-13** VOTE: Block Vote Passage (99-Y 0-N) `passage`
- **2024-02-14** Constitutional reading dispensed
- **2024-02-14** Referred to Committee on Commerce and Labor `referral-committee`
- **2024-02-16** Impact statement from SCC (HB1132E)
- **2024-02-26** Reported from Commerce and Labor with amendment (15-Y 0-N) `committee-passage`
- **2024-02-28** Constitutional reading dispensed (39-Y 0-N)
- **2024-02-29** Read third time `reading-3`
- **2024-02-29** Reading of amendment waived
- **2024-02-29** Committee amendment agreed to `amendment-passage`
- **2024-02-29** Engrossed by Senate as amended
- **2024-02-29** Passed Senate with amendment (39-Y 0-N) `passage`
- **2024-03-04** Senate amendment agreed to by House (98-Y 0-N) `amendment-passage`
- **2024-03-04** VOTE: Adoption (98-Y 0-N)
- **2024-03-08** Enrolled `enrolled`
- **2024-03-08** Bill text as passed House and Senate (HB1132ER) `passage`
- **2024-03-08** Signed by Speaker `passage`
- **2024-03-09** Signed by President `passage`
- **2024-03-11** Enrolled Bill communicated to Governor on March 11, 2024 `enrolled, executive-receipt`
- **2024-03-11** Governor's Action Deadline 11:59 p.m., April 8, 2024 `executive-receipt`
- **2024-04-02** Approved by Governor-Chapter 319 (effective 7/1/24) `executive-signature`
- **2024-04-02** Acts of Assembly Chapter text (CHAP0319)
- **2024-04-22** Impact statement from SCC (HB1132ER)
## Source
OpenStates / OpenCivicData bulk snapshot [2026-07-01](https://data.openstates.org/daily/2026-07-01/public.pgdump); origin `ocd-bill/709459d9-54d2-4787-9eb6-9a3e215b57b9`. Confidence: reported (aggregated from official Virginia legislature records).