Day: October 5, 2023

The Feasibility of Medical Loss Ratio for Dental Insurance for Patients and Consumers


WASHINGTON, D.C. – Today, the global consumer advocacy group Consumer Choice Center launched a policy primer on the feasibility of enforcing medical-loss ratios and rebates for dental insurance in order to benefit patients.

The primer examines how medical-loss ratio is used in other medical categories, international comparisons, and how it would lead to a more open and competitive dental insurance market that would unlock savings for patients.

Yaël Ossowski, deputy director of the Consumer Choice Center, explains:

“Medical-loss-ratio requirements of the Affordable Care Act for general health insurance were a welcome first step to a more competitive industry. Yet more should be done to contain costs, open markets, and subject healthcare and health insurance to real competition, and that should be translated to the dental insurance market as well,” said Ossowski.

“Efforts are ongoing across states to hold insurers accountable by removing state barriers to competition, and to enforce medical-loss ratios and rebates so patients can actually get the care they pay for and deserve.

“Large scale reforms aimed at decoupling insurance from employers, providing more direct-to-consumer options that eschew insurance, and removing red tape at both the state and federal level would be long overdue reforms to empower consumers within a competitive and thriving market for dental care.

“On that path, we believe medical-loss ratio requirements and rebates would be a quick and easy measure to keep insurance accountable, promote competition, and ultimately unlock savings for patients,” concluded Ossowski.

By passing state-level medical-loss-ratio requirements for dental insurers, legislators could ensure that consumers and patients profit from a competitive and affordable market. This would serve the following benefits:

  • Keep dental insurance accountable
  • Unlock benefit spending for patients
  • Promote competition among insurers



Yaël Ossowski, Deputy Director


The CCC represents consumers in over 100 countries across the globe. We closely monitor regulatory trends in Ottawa, Washington, Brussels, Geneva, Lima, Brasilia, and other hotspots of regulation and inform and activate consumers to fight for #ConsumerChoice. Learn more at consumerchoicecenter.org.

CCC feels disappointed that Generational Endgame is still being maintained and believes it could put consumers at risk

KUALA LUMPUR, 5th Oct 2023 – The Consumer Choice Center (CCC) is disappointed with the government’s decision to maintain the generational endgame in the Smoking Product Control Bill for Public Health 2023 which will be presented on Tuesday next week for the second reading.

Tarmizi Anuwar is disappointed because there are not many changes that will be made by the government in this bill despite having gone through the evaluation process twice at the special select committee level when maintaining the implementation of the generational endgame. 

He holds the view that the government should take into account the views of various parties in a serious and fair manner when the dealings are held and adopt a policy approach based on evidence. Consumers have given suggestions for improvement, but they are not taken seriously. 

With this implementation, of course, the effort to reduce smokers in Malaysia will be in vain because the implementation of this generational endgame will increase the demand for black market cigarettes in Malaysia. 

Until now, illegal cigarettes in Malaysia remained high at 55.3 percent in May this year, with only a slight decrease from 56.6 percent in 2022. Although it has been many years, there is still no serious and effective strategy to combat contraband cigarettes in the country.

In response to Commonwealth Medical Association President Dr Muruga Raj Rajathurai’s statement that if this bill is not passed then children will be exposed to vaping without restriction, Tarmizi said this is a misleading statement because vaping can be regulated without having to go through the generational endgame. 

We at CCC have long urged the government to immediately regulate vaping in a wise and coherent way. Otherwise, users will only continue to access unregulated products. 

To prevent underage vaping, we propose smart regulations and enforce strict age restrictions on vape devices and liquids at the point of sale and use modern authentication technology for online sales. 

This regulation can be done without the need to go through the generational endgame and has been successfully proven in Sweden. The first smoke-free country has succeeded in reducing the smoking rate from 15 percent to 5.6 percent in 15 years through a strategy of providing alternative products widely and well-informed. 

In addition, according to Tarmizi, the government’s proposal to introduce fines to buyers of either cigarettes or vapes who have reached the age of 18 in the GEG group will burden consumers. 

A big challenge is if those under the generational endgame category have started smoking cigarettes and want to quit smoking, but do not have access to alternative products.This will make it difficult for them to stop and at the same time continue to risk being fined if caught. This environment does not help the user to quit and is even more burdensome.

We believe that smokers should have access to viable alternative nicotine products with significantly lower negative health effects compared to cigarettes.

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